Oral health is vital to the overall wellness of all Milwaukeeans. To keep dental costs to a minimum, many people carry dental insurance, which lowers out-of-pocket spending for everything from cleanings to restorative services. Choosing the right plan can be overwhelming, so our partners at ConsumerAffairs researched the best dental insurance in Milwaukee to simplify your decision.
No matter the condition of your teeth and gums, having dental insurance in Milwaukee is a smart idea. Most plans cover 100 percent of preventive care, including regular exams and X-rays. If you need dental treatments or procedures, you’ll share the costs with the insurer.
Most people in Milwaukee get dental insurance through an employer, and another sizable segment get it through public programs. If neither is an option for you, it’s possible to buy an individual or family policy from an insurer.
Dental insurance in Milwaukee works similarly to health insurance, with some exceptions. Below are some terms you’ll come across as you look at different policies.
Dental insurance feature
What it is
The monthly amount you pay for coverage
How much you pay out of pocket before coverage starts
Fixed amount you pay for a covered service
The amount you owe for a covered service, in terms of percentage; varies by type of service
A group of dentists who have negotiated discounted rates with the insurer; depending on the plan, you may pay lower out-of-pocket costs if you stay in network
A capped dollar amount the insurance company will pay out in benefits over a year
Pay attention to how plans categorize different dental services, and how that affects your out-of-pocket costs. A popular type of plan, known as a preferred provider organization (PPO), often pays for 100 percent of preventive care (with no deductible) and a share of the cost for basic and major services (after a deductible is met). A dental health maintenance organization (DHMO) plan, on the other hand, has fixed copayments for services.
Most dental insurance in Milwaukee has waiting periods ranging from six to 12 months before certain coverages kick in, so don’t wait until you need a filling or root canal to buy a policy.
Before signing up for dental insurance, be sure to check out dental savings plans, an alternative to traditional dental insurance. Members pay a monthly or annual fee and, in return, get cash discounts ranging from 10 - 60 percent at a nationwide network of dentists. With a dental savings plan in Milwaukee, there is no cost-sharing; you are responsible for 100 percent of the bill.
How much is dental insurance in Milwaukee?
The cost of dental insurance in Milwaukee depends on your age, tobacco habits, the level of coverage and how many people are on the policy.
In Milwaukee, an individual policy for a 40-year-old who doesn’t smoke costs between $16 and $50 per month. A family of four can expect to pay between $60 and $160 monthly. Dental savings plans in Milwaukee start at $100/year for an individual and $170 for a family.
1Dental.com has two dental savings plans available for Milwaukee residents. Sign up and begin saving 15 - 60 percent on visits to a large network of top-quality dentists. Members get unlimited use of benefits, including for orthodontics. 1Dental.com includes a vision plan as well. Reviewers like the company’s friendly service and policies, like its 30-day money-back guarantee.
Over 1 million customers have used dental savings plans from DentalPlans.com since 1999. In Milwaukee, customers can choose from over 20 plans for individuals or families and start saving 10 - 60 percent right away. DentalPlans.com matches competitor prices and lets you switch your plan anytime. Reviewers have documented significant savings and appreciate the company’s customer service.
UnitedHealthcare is a leading health insurer in the U.S. also offering stand-alone dental insurance. Find a plan that meets your needs and budget, and get a fast quote. Preventive care is available immediately with no deductible. Basic and major services are also covered. Customers like that regular visits for checkups are covered 100 percent.