Virginia Dental Insurance Options

Costs: What Did We Find When Examining Virginia Dental Plans in 2023?

To provide some meaningful guidance to shoppers, DentalInsurance.com reviewed over two dozen dental plans offered in the State of Virginia. Price quotes were obtained for a hypothetical applicant who was 33 years old. The average monthly premium was $39.72 across all options (which included indemnity plans and a dental discount card alongside traditional PPO and HMO insurance), which is slightly more expensive than the average found for our 2022 study. The least expensive option was the dental discount card offered by Careington (Careington 500 Series Dental Savings). It had a monthly fee of $8.95. Among traditional dental insurance, a HMO dental plan was the least expensive. Dominion National Select Plan Basic charged only $13.51 a month for coverage (note that dental plan premiums can vary by region in a state). The least expensive PPO dental plan Ameritas’ Hollywood Smile Premier 1500, which had a monthly premium of $18.71.

At the other end of the price range, the most expensive option among the reviewed plans was Classic 2000 + VSP Premium from Nationwide. This was the only indemnity plan among the two dozen plans in the study. An indemnity plan does not restrict its enrollees to a dental network. This specific indemnity plan also adds vision benefits alongside its dental benefits. This plan cost $90.06 a month for the applicant details we provided.

Most plans reviewed had a deductible, an amount paid by the plan enrollee toward annual dental costs before insurance payments began. The average deductible for the coverage options reviewed in Virginia was $57.29. Three of the 24 plans reviewed had no deductible.

State Averages Vs Prices Your Area

You can compare your local rates to these broader state trends. The following link will get dental insurance quotes for plans available in your zip code. You can also review the bestsellers below, which are the top-selling Virginia dental plans on DentalInsurance.com.

Maximum Benefit

The limit on insurer spending during a plan year, called the “maximum benefit,” varied considerably among the dental plans under examination. Among the PPO and indemnity plans that did have a maximum benefit, the average annual limit in the first year of coverage was $1,771. In a few cases, the maximum benefit was increased across multiple years of enrollment. The plan with the highest maximum benefit was NCD Nationwide 5000 Plan with a $5,000 annual limit. The lowest limit, tied among several plans, was $1,000.

Neither dental HMO plans nor dental discount programs had a maximum spending limit on spending for dental care.

Dental Care Out-of-Pocket Costs

Even with dental coverage, a consumer should expect to pay out-of-pocket costs for dental care. Out-of-pocket expenses include copayments and coinsurance fees. For the 24 Virginia dental plans examined in 2023, fillings were covered by insurance at an average of 60 percent of the total cost, with the remaining 40 percent being the responsibility of the enrollee (HMO plans, in contrast, charged a fixed copayment amount rather than covering a percentage of the cost). This 60 percent average represents a slight improvement in cost-sharing as compared to the average for 2022 (59 percent). Root canals and crowns had lower contributions from insurance companies at 37 percent of the total cost, though over a third of the plans increased their contributions for loyal customers who stayed enrolled for a second and third year of continuous coverage. One Virginia plan, Anthem BlueCross BlueShield’s Essential Choice Bronze, did not have any coverage for crown or root canal procedures, though Anthem’s other plans in the study (such as the Essential Choice Gold and the Essential Choice Incentive) did cover these treatments.

Types of Privately Purchased Coverage

The main types of dental coverage purchased by consumers are individual and family coverage.

Individual Dental Coverage

Individual dental insurance refers to a dental policy purchased by a single individual. This type of dental coverage is contrasted to group dental insurance where an employer, union, or other organization purchases a dental policy to cover many people belonging to the organization. The state of Virginia has many insurance companies who offer dental coverage within the individual dental insurance market. Examples include Humana, Ameritas, MetLife, Nationwide, Renaissance, and Anthem BlueCross BlueShield.

Family Dental Coverage

Family dental insurance is distinguished from individual and group dental insurance by the following:

• While it is purchased by private citizens like an individual dental insurance plan, it covers multiple individuals belonging to the same family
• While it covers multiple individuals like a group dental insurance plan, the relationship among the individuals must be that of relatives, not a shared professional association

When applying for family insurance, an insurer requires that the applicant provide information (e.g. date of birth) on each family member who will be covered by the plan. Deductibles are normally higher for family coverage. Some plans charge a deductible (e.g. $50) per family member on the plan. In some cases, the maximum deductible a family can pay is capped (e.g. $150 per year).

State Averages Vs Prices Your Area

With the information provided in this study, you can compare your local rates to larger state trends. The following link will get dental insurance quotes for plans available in your zip code. You can also review the bestsellers below, which are the top-selling Virginia dental plans on DentalInsurance.com.