Best Dental Insurance Plans For Individuals in Montana

What’s the deal with dental insurance in Montana? What does it cover? Are there limits? Is it even worth getting? Is there a better alternative?

Dental insurance can be daunting and full of questions. Don’t worry, we’re here to help answer them for you. Keep reading below and you’ll get the inside scope on the best dental insurance plans available for individuals and families in Montana.

:Dental Plans Our Partner
  • No limit to your spending
  • Save between 10-60% on most dental services
  • Plan is active within 72 hours of purchase
  • Can pay for basic or restorative care, orthodontics, dentures, implants, and more
  • Plans as low as $120 per year
Cigna Our Partner
  • Every patient accepted, no limitations on pre-existing conditions
  • Save an average of 37% on most dental services
  • 110,000 participating locations nationwide
  • $0 preventive care
  • 24/7/365 support
Aetna Dental Access Our Partner
  • No pre-authorizations before getting treateds
  • Save between 15-50% on most dental services
  • 213,000 participating locations nationwide
  • Coverage that can fit nearly any budget
  • Dental Indemnity Plans available, allowing you to visit any dentist
Spirit Dental Our Partner
  • Coverage available within the first month
  • Acceptance guaranteed
  • Coverage for most major procedures (like dentures or implants)
  • Choose your own dentist
  • Three cleanings permitted per year

mum and daughter brushing their teeth

Questions & answers

How does dental insurance work?

Dental insurance helps pay for some or all of the cost of a dental service, from basic cleanings to more complicated necessary procedures. The user pays a monthly premium in exchange for certain benefits, like free or low-cost dental services (as long as the user first pays a certain amount for dental services).

How much is dental insurance coverage?

Typically, the most basic dental insurance plan costs around $20 per person per month.

But then there’s a deductible (the amount you must pay before the policy covers anything), which can range from $50 to $200, depending on the plan you have. Once you’ve met your deductible, insurance pays for 20-80% of the bills (in more rare cases, 100% of the bill).

And then there is a yearly maximum, which is the amount your insurance will pay for services in a policy year. Usually, maximums range from $750 to $2,000.

What is covered by dental insurance?

Not all dental services are covered by insurance. Dental procedures fall into one of three different categories: basic, preventative, and major. Most dental insurance policies will cover 100% of the cost of preventative care (like dental cleanings or X-rays).

Basic procedures would be things like gum disease treatment, tooth extractions, or fillings. Usually, dental policies cover 70-80% of these procedures.

Major procedures — like bridges, dentures, braces, and crowns — are usually partially covered, but the patient will end up paying a lot more than the policy will pay.

And cosmetic procedures are not usually covered by insurance policies. These would be things like teeth whitening or veneers.

Are dental implants covered by insurance?

Yes, but only partially. Dental implants would fall into the “major” category, so insurance may help out, but the patient ends up having a high co-payment.

What is the waiting period for dental insurance plan?

Nearly every dental insurance plan has a waiting period that ranges from 6 months to a year, and waiting periods for bigger procedures can take up to two years.

Is there any dental insurance with no waiting period?

Dental insurance policies typically have a waiting period of 6-12 months.

However, there are things called dental discount plans that have no waiting period. You apply online, get approved right away, and start getting discounts of up to 60% on every single dental service.

Who has the best dental insurance?

It’s hard to say who has the best dental insurance as every person or family’s situation is different. Everybody has different needs, preferences, and budgets, so the decision is up to you. However, we have presented in the above chart what we think are the best insurance plans.

How can I sign up for a Montana dental insurance?

The best way to get dental insurance for Montana residents is to check out our table above. You can choose the best plan for you, apply online (which involves entering your basic personal info and contact info), and wait to be approved.

Call now to see which dental plan is right for you: