Plan Name / Carrier

Annual Maximum

Waiting period?

Orthodontia?

Vision coverage?

Denali Dental & Vision Ridge Plan

Renaissance Life & Health Insurance Company of America

$750

$1,500

$2,000

$2,500

No waiting periods

No orthodontia

Add optional Vision

Denali Dental & Vision Summit Plan

Renaissance Life & Health Insurance Company of America

$1,200

$2,000

$3,500

$6,000

No waiting periods

Adult & Child

  orthodontia

Add optional Vision

Secure Network

Ameritas Life Insurance Corporation

$750

$1,000

$1,250

No waiting periods

Secure Choice

Ameritas Life Insurance Corporation

$750

$1,000

$1,250

No waiting periods

Core Network

Ameritas Life Insurance Corporation

$1,200

No waiting period

Child orthodontia

Add optional Vision

Core Choice

Ameritas Life Insurance Corporation

$1,200

No waiting period

Child orthodontia

Add optional Vision

Pinnacle Network

Ameritas Life Insurance Corporation

$1,200

$2,500

$5,000

No waiting periods

Child orthodontia

Add optional Vision

NCD 3000 Plan

Nationwide Mutual Insurance Company

$3,000

No wait for Preventive

No wait for Basic

12 months for Major

No orthodontia

Add optional Vision

Pinnacle Choice

Ameritas Life Insurance Corporation

$1,200

$2,500

$5,000

No waiting periods

Child orthodontia

Add optional Vision

Senior Preferred Network

Ameritas Life Insurance Corporation

$3,500

No waiting period

Senior Preferred Choice

Ameritas Life Insurance Corporation

$3,500

No waiting period

NCD 1500 Plan

Nationwide Mutual Insurance Company

$1,500

No wait for Preventive

No wait for Basic

12 months for Major

No orthodontia

Add optional Vision

NCD 5000 Plan

Nationwide Mutual Insurance Company

$5,000

No wait for Preventive

No wait for Basic

12 months for Major

No orthodontia

Add optional Vision

Plan Name / Carrier

Annual Maximum

Waiting period?

Orthodontia?

Vision coverage?

Premier Plan*

Physicians Mutual Insurance Company


*Contact us directly to enroll

No annual maximum (and No deductible)

No wait for Preventive

No wait for Basic

12 months for Major

No orthodontia 

(except in SC, as a result of cleft lip and cleft palate)

Add optional Vision

Preferred Plan*

Physicians Mutual Insurance Company


*Contact us directly to enroll

No annual maximum (and No deductible)

No wait for Preventive

No wait for Basic

12 months for Major

No orthodontia 

(except in SC, as a result of cleft lip and cleft palate)

Add optional Vision

Standard Plan*

Physicians Mutual Insurance Company


*Contact us directly to enroll

No annual maximum (and No deductible)

No wait for Preventive

No wait for Basic

12 months for Major

No orthodontia 

(except in SC, as a result of cleft lip and cleft palate)

Add optional Vision

Economy Plan*

Physicians Mutual Insurance Company


*Contact us directly to enroll

No annual maximum (and No deductible)

No wait for Preventive

No wait for Basic

12 months for Major

No orthodontia 

(except in SC, as a result of cleft lip and cleft palate)

Add optional Vision

The importance of good and regular dental care


Protecting your oral health is one of the keys to your overall health. The Mayo Clinic writes that problems in your mouth can affect the rest of your body. That's one big reason good, regular dental care is important to your life. Aflac quotes that people without dental coverage are 67% more likely to have heart disease. Fortunately, most people believe in the importance of good oral care. However, there is often a misconception that dental insurance is too expensive.


Some health plans include dental care, along with coverage for vision. Sometimes that included coverage comprises convenient standalone add-ons to the health plan. The plans offered here can be add-ons, or riders, to your employer-based health coverage or to your own self-purchased major medical insurance. They can also be completely separate standalone dental and/or vision coverage packages.


Eligible standalone dental insurance plans can also serve as secondary or supplemental dental coverage to help pay for what your primary plan does not.

  • Annual coverage limits - the maximum amount the insurance pays - might be from $1,000 to $5,000 or more per year.
  • Categories of dental work usually include preventive, basic, and major.
  • Coverage is often at different percentages for different levels of service. Most preventive visits are covered at 100%. Successively more expensive and involved procedures are usually covered at lower percentages.
  • Some plans have annual or lifetime deductibles, usually from $50 to $200.
  • Most plans offer individual, dependent, and family coverage.
  • Plans sometimes offer successively higher limits for each of the first few years of  continuous coverage.
  • Some plans offer child-only coverage options.
  • Preferred (lower) rates are charged and accepted as reimbursement by in-network providers. Provider networks tend to be very large.
  • Some plans or types of service have waiting periods after enrollment before benefits are paid on certain dental procedures and categories.
  • Sometimes waiting periods and even deductibles can be waived if you show evidence of continuous prior coverage.
  • Some plans cover orthodontia; however, it is often only for children.
  • Dental plans often include vision coverage or offer it for an additional fee.
  • Vision coverage ranges from regular exams to glasses and frames to complete eye health and procedures.

Important Factors in Choosing Dental Insurance

Dental Plans

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