Dental Insurance That Keeps Your Dentist In Network
Switching dental plans shouldn't mean switching dentists. Meet Med Plans checks provider network match first, so you can confirm your dentist is covered before you enroll, then compares plans covering cleanings, fillings, braces, and more.
What Does Dental Insurance Cover?
Dental insurance is typically structured in three tiers — Preventive, Basic, and Major — each covered at different percentages:
Preventive Care (Usually 100% covered)
Routine cleanings (2x per year), annual dental exams and X-rays, fluoride treatments, sealants for children, and oral cancer screenings.
Basic Restorative (Usually 70–80% covered after deductible)
Fillings (composite and amalgam), simple tooth extractions, periodontal treatment for gum disease, and emergency dental exams.
Major Procedures (Usually 50% covered after deductible)
Crowns, bridges, and inlays. Dentures (full and partial). Root canals and endodontics. Oral surgery and complex extractions. Dental implants available on select plans.
Orthodontics (Varies by plan)
Braces for children and adults, Invisalign and clear-aligner discounts, retainers and post-treatment care. Typically covered up to a lifetime maximum set by the plan.
Dental Insurance vs. Dental Discount Plans — What's the Difference?
Dental insurance operates like traditional health insurance: you pay a monthly amount and the plan pays a percentage of your dental bills after your deductible is met, up to an annual maximum set by the plan. Dental discount plans are membership-based programs where you pay a flat monthly fee and receive pre-negotiated discounts (typically 20–50%) when you visit in-network dentists. There's no deductible, no annual maximum, and no claims process — just a discount card. Meet Med Plans helps you determine which option — or which combination — makes the most financial sense for your dental care usage.
What to Know About Dental Plan Rates
The right dental plan for you depends on how much dental work you typically need each year, whether you have children (orthodontic coverage matters), and whether your preferred dentist is in-network. Your Meet Med Plans advisor will show you exact rates for every plan available in your area.
Finding In-Network Dentists
Meet Med Plans works with dental plans that include some of the largest dentist networks in the country — including Delta Dental, Cigna Dental, Humana Dental, Aetna, MetLife, and Guardian. Most plans give you access to thousands of dentists nationwide, making it easy to find a top-rated dentist near your home, office, or your children's school.
Ready to see your options?
Answer a few quick questions and a licensed advisor will email your personalized plan options within one business hour. 100% free, no obligation.