Best Dental Insurance In Georgia For Individuals & Families (Rates from $28/month!)
Even though Georgia is ranked number #19 in the nation for overall dental health. Some 74% of Georgia residents still blame cost as the main reason they haven’t visited a dentist in the last year.
But guess what, if you’re looking for the best cheap dental insurance in Georgia to help you save money on your oral health costs, you’ve come to the right place!
We’ve compiled the top individual dental insurance plans available in Georgia and put them into one post for you.
We also discuss the average cost of dental insurance in Georgia and show you how to get compare dental insurance and coverage online in minutes.
Best Overall & For Major Work
Guardian Direct is a subsidiary of Guardian Life Insurance Company of America, which is a major mutual insurance company based in the United States. Guardian was founded in 1860 and provides a comprehensive list of services, including dental insurance.
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More Of The Best Dental Insurance Companies In Georgia Below:
Best For Braces & Orthodontics
Delta Dental is the largest dental benefits insurance company in the U.S. and is our #2 pick.
Click below to get an accurate quote.
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Best For No Waiting Periods
Spirit is backed by Ameritas Life, offers dental insurance quotes, and is our #3 pick.Click below to get an accurate quote.
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Best Dental Insurance Alternative
1Dental offers one of the largest dental discount plan selections and is our #4 pick.
Click below to get an accurate quote.
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How Much Does Dental Insurance Cost In Georgia?
In Georgia, the average cost of dental insurance is $28 per month or about $339 per year. However, the final price will be determined by your choice of dental benefits, tobacco usage, the number of people covered on your policy, and location.
What Factors Influence The Cost Of Georgia Dental Insurance Plans?
When determining the cost of a dental policy, insurance providers consider several factors. We’ll go through some of the most crucial ones below, which are:
Your Location – One of the most essential elements that insurance providers consider when setting your dental insurance rates is where you reside.
Coverage Levels – If you’re purchasing a policy for the first time, you’ll notice that each insurance company will allow you to choose from several deductibles, co-pay, and yearly maximum options.
Overall Dental Health – Dental health is a significant factor in insurance and cost. Because the better your dental health, the less you need to use your policy and coverage, it’s essential to maintain good dental hygiene.
Annual maximums – A policy’s annual maximum is the most your plan will pay out for coverage in a plan year. This means that the lower your annual maximum, the higher your out of pocket expenses will be.
THE SIMPLY INSURANCE WAY
Dental Insurance made easy.
Agents not required.
Get quotes and sign up online without talking to an agent. But, we are here if you need us.
Unbiased, expert advice.
Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.
GET INSTANT QUOTES
Coverage in minutes.
You can get a dental insurance policy within minutes of getting your quotes and applying online.
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Is Dental Insurance Required By Law In Georgia?
Dental insurance isn’t required by law, but purchasing dental insurance in Georgia is advisable because you never know when you’ll need it. If you don’t have dental coverage, paying for dental costs might be extremely difficult, if not impossible.
Do I Have To Use A Health Insurance Marketplace To Buy Georgia Dental Plans?
You do not have to use the Marketplace to get dental plans in Georgia; however, if you want to add dental coverage to a Marketplace Health policy, you can only add it during open enrollment and when choosing your policy.
Types of Dental Insurance Plans In Georgia
Several dental insurance policies are available, whether you’re purchasing Georgia dental insurance for yourself or your entire family. The most popular types of dental insurance coverage are DHMO (Dental Health Maintenance Organization) and PPO dental plans (Preferred Provider Organization).
A Dental HMO (Dental Health Maintenance Organization) Plan
A DHMO may be a more cost-effective dental insurance coverage. You pay less on premiums but must use dentists in the plan’s provider network. If your dentist is already in-network, this could be an excellent choice.
A Dental PPO (Preferred Provider Organization) Plan
This is typically the most expensive choice, but it comes with more choice and the opportunity to pick a dentist you prefer. If you require specialist care, you won’t need to see your regular dentist for a referral (like you would in an HMO).
What Does Dental Insurance Cover In GA?
Georgia’s dental insurance plans cover preventative exams, routine teeth cleaning, fillings, and X-rays. Dental insurance policies may also include periodontics, endodontics, dentures, bridges, root canals, and other surgical treatments. Make sure to compare the coverage of the plan you’re considering so that you know what to expect in terms of out-of-pocket costs.
Limitations of Dental Insurance Plans In Georgia (Annual Maximums)
Every dental insurance plan has a limit on what it will pay out each year, and for many people, that amount is low. All expenses over that amount are charged to you. If your plan has a yearly cap of less than $1,500, you’re responsible for all costs over $1,500. It’s easy to reach your maximum if you require a crown or root canal surgery. There may also be waiting periods for specific treatments depending on the plan you choose.
What Does Dental Insurance Not Cover In Georgia?
Dental insurance does not cover aesthetic dentistry, which is the treatment of teeth for cosmetic purposes. Because they are not considered “medically required,” cosmetic treatments are never covered by insurance. Teeth whitening and veneers are examples of esthetic procedures. These therapies improve a person’s appearance rather than replacing damaged teeth.
INSURANCE WHERE YOU LIVE
Dental Insurance by state.
Are There Any Dental Insurance Alternatives In Georgia?
The most popular alternative to Georgia dental insurance is a dental discount plan or a prepaid dental plan.
What Is A Dental Discount Plan?
Dental Discount Plans, also known as Dental savings plans, are designed for individuals, families, and groups looking to save money on their dental care needs. Plan members save 10-60% on the typical cost of dental care and treatments at a nationwide network of usually more than 100,000 dentists. This type of coverage is not considered insurance but more a membership program.
THE SIMPLY INSURANCE WAY
Dental Insurance made easy.
Agents not required.
Get quotes and sign up online without talking to an agent. But, we are here if you need us.
Unbiased, expert advice.
Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.
GET INSTANT QUOTES
Coverage in minutes.
You can get a dental insurance policy within minutes of getting your quotes and applying online.
GET INSTANT QUOTES
How To Get Free Dental Insurance Quotes In Georgia?
There is no reason to go without dental insurance coverage in Georgia, especially when it’s so easy to find a plan that suits your needs and budget!
The best approach to finding affordable dental plan rates in Georgia is to compare numerous quotes from multiple companies online.
All you have to do is click here or on one of the above buttons to get free individual & family dental insurance quotes. Best of all, you can get covered in minutes.
Frequently Asked Questions About Dental Insurance Georgia
How does dental insurance work in Georgia?
Although dental insurance has a monthly premium similar to health insurance, many plans have a coinsurance structure. A Dental PPO plan is most often covered under a 100/80/50 coinsurance ratio. That breaks down as follows:
Preventive care including cleanings, exams, and X-rays at 100% Basic dental procedures, such as fillings at 80%. Major procedures, such as crowns and dentures at 50%
How much is dental insurance per month for one person in Georgia?
The average monthly cost of dental insurance in Georgia for one person is $28, or approximately $339 per year. However, remember that the final price will be determined by your choice of coverage levels if you are a smoker, where you live, and the number of people covered.
What is the most popular type of dental insurance in Georgia?
Georgia’s most popular dental plan is a preferred provider organization (PPO) plan. PPOs, in fact, account for the vast majority of dental insurance plans purchased throughout the United States.
Is Delta Dental Insurance good?
Delta Dental is a decent insurance provider with decades of expertise in the dental insurance sector and a solid reputation from AM Best and the Better Business Bureau. Delta Dental’s dental services are available across the country through independent agencies. However, keep in mind that not every insurance company is appropriate for everyone, so it’s always a good idea to shop around.
