Dental Insurance Coverage & Quotes | HonorGuard Insurance Solutions
Dental Coverage

Dental Coverage Designed
for Every Stage of Life

From first cleanings to senior restorative care β€” the right dental plan protects your family's health and your household budget. Compare options, understand your benefits, and get a personalized quote in minutes.

No-Wait Plans Available PPO & DHMO Options Ortho Coverage Available Free to Compare
Coverage Comparison

How Dental Plans Actually Compare

See how the most common dental plan types stack up across six key dimensions β€” so you choose with confidence, not guesswork.

Plan Type Preventive Basic Services Major Services Waiting Period Annual Max Network
PPO Standardβ˜… PopularMost flexible PPO 100% in-network 80% covered 50% after wait 6 mo. major only $1,500–$2,000 Broad PPO
PPO Enhancedβ˜… Best ValueHigher annual max 100% in-network 80–90% covered 60% covered None on most $2,500–$3,000 Large PPO
DHMO BasicHMO-style network 100% covered 80% + copays 50% after 12 mo. 12 mo. major $1,000–$1,500 Restricted DHMO
Preventive OnlyEntry-level plan 100% covered Not covered Not covered None $500–$750 In-network only
Senior Dental PlanAge 65+ focused 100% covered 80% in-network 50–60% covered 6–12 months $1,500–$2,500 Senior PPO
Medicare Dental RiderSupplement add-on 100% covered Varies by plan Limited coverage 3–6 months $1,000–$2,000 Varies
Dental IndemnityUse any dentist 80% UCR fee 70–80% UCR 50% UCR 0–12 months $1,000–$2,000 Any dentist
Discount Dental PlanNot insurance Discounted fee 10–60% off 10–40% off None No max β€” no coverage Network only
Good coverage / favorable terms
Moderate / conditional coverage
Limited or no coverage
UCR = Usual, Customary & Reasonable fee schedule Β· Annual maximums are per person unless noted
Dental Education

3 Concepts That Change Everything

Before picking a dental plan, understanding these three factors will help you avoid unexpected bills β€” and choose the plan that actually fits how your family uses dental care.

Waiting Periods

Why coverage isn't always immediate

Most dental plans impose a waiting period before certain services are covered. This protects insurers from people who buy coverage specifically to pay for work they already need β€” but it regularly catches families off guard.

  • Preventive (exams, cleanings, X-rays) β€” typically no waiting period on any plan. Available from day one.
  • Basic (fillings, simple extractions) β€” usually 3–6 months on standard plans.
  • Major (crowns, bridges, dentures, root canals) β€” commonly 6–24 months. Budget plans often impose the longest waits.
  • Orthodontia β€” typically 12–24 months on plans that include it at all.

πŸ’‘ Advisor tip: If you have known dental needs, ask specifically about plans with reduced or waived waiting periods β€” they exist and may justify a slightly higher premium.

Annual Maximums

The cap most people discover too late

Unlike health insurance β€” which limits how much you pay β€” dental plans limit how much the insurer pays per year. Once you hit that cap, you pay 100% of remaining costs. Knowing this number before choosing is critical.

  • Entry plans ($500–$1,000): Can be exhausted by a single crown plus two cleanings. Rarely sufficient for families with active dental needs.
  • Standard plans ($1,500–$2,000): Covers routine care plus one or two major procedures. The most common tier for individuals.
  • Enhanced plans ($2,500–$3,000+): Better for families or seniors expecting crowns, bridges, or implants this year.
  • Rollover maximums: Some plans let unused benefits accumulate year-over-year β€” an underrated feature worth asking about.

πŸ’‘ Advisor tip: For a family of 4, a $1,500 per-person max = $6,000 of total annual coverage. If multiple members need significant work, a higher annual max often pays for itself in year one.

Network Restrictions

Can you keep your current dentist?

The type of dental network your plan uses determines whether you can see your current dentist β€” and what happens if you step outside the plan's approved list. This is often the single deciding factor for families with an established dental relationship.

  • DHMO: Must select a primary dentist from the network. Zero out-of-network coverage. Lowest premiums, most restricted flexibility.
  • PPO: Lower costs in-network, partial reimbursement out-of-network. Best balance of flexibility and affordability for most families.
  • Indemnity: Use any licensed dentist, anywhere. Plan reimburses based on a fee schedule. Maximum freedom, typically highest premium.
  • Discount plan: Not insurance. A membership with negotiated rates at participating dentists. No claims, no maximums β€” and no real coverage.

πŸ’‘ Advisor tip: Before locking in any plan, confirm your dentist participates. A HonorGuard advisor can check real-time provider directories across multiple carriers simultaneously β€” saving hours of research.

Request Your Quote

Ready for a Dental Plan That Actually Fits?

A licensed HonorGuard advisor will compare plans from multiple carriers β€” verifying your dentist's network status, matching your family's needs, and finding the right annual maximum for how you actually use care.

πŸ“… Schedule Consultation
Disclaimer: Plan details, coverage percentages, annual maximums, waiting periods, and network availability vary by carrier, state, and plan design. The comparison table on this page represents typical plan characteristics and does not constitute a quote or guarantee of coverage. HonorGuard Insurance Solutions is a licensed, independent insurance agency β€” not affiliated with or endorsed by Medicare, CMS, or any government entity. For accurate plan details and pricing, consult a licensed advisor.  Privacy Policy Β· Terms & Disclosures