Best Dental Insurance in Nebraska: Dental Plans Review and Comparison

Looking for dental insurance in Nebraska? We know how hard it may be to sort through all the dental plans.

Fortunately, we’ve already done all of the hard work for you. In the article below, we’ve compiled information about the best dental insurance plans in Nebraska, including:

• Information on the different types of dental insurance in Nebraska
• How to find dental insurance in Nebraska with no waiting period
• Comparison of the best dental insurance plans

Take the time to properly research your alternatives before enrolling in a dental insurance plan, because choosing the ideal dental insurance may save you a lot of money in the long term. However, picking the incorrect dental insurance might only cause additional expenses.

We hope that after reading this article, you will be able to make an educated decision and choose a Nebraska dental insurance plan that matches your needs.

Not from Nebraska? Review our nationwide dental insurance guide.

Types of dental insurance you can purchase in Nebraska

We’ll start our article with an overview of the various types of dental insurance available in Nebraska.

Dental plans come in a huge variety, but they can be categorized into three main types:

• Dental discount plans: If you require dental care quickly, they’re an amazing approach to saving money. These dental saving programs are not dental insurance, as you have to pay the dentist directly. However, you’ll get 20–50% discounts for a small monthly subscription fee. The significant advantage of dental discount plans is that there is no waiting time and you have access to treatments right away.

• PPO plans: These dental insurance plans make up the vast majority of dental insurance policies. They’re very popular because they provide you with the most flexibility in selecting a dentist and offer comprehensive coverage for all types of procedures.

• DHMO plans typically have cheaper dental insurance premiums. You may, however, be obligated to choose a primary care dentist who will oversee all of your treatments. On the upside, there are often no waiting periods with these policies.

How to choose the best dental insurance in Nebraska

Cost

The most affordable dental insurance in Nebraska isn’t always the plan with the lowest premium. When evaluating the cost of a dental insurance plan, you must take into account all of the factors that go into the actual cost. The total cost of a dental plan is determined by these four cost considerations:

• Premium: The monthly, quarterly, or annual fee you pay for dental benefits, regardless of whether or not you make an insurance claim.

• Co-payment: The amount you must pay out of pocket for each treatment. This might be a set sum or a percentage of the overall cost, depending on the kind of dental insurance you have.

• Deductible: The amount you must spend on treatments in a calendar year before your insurance company starts to reimburse you.

• Maximum benefit: Certain procedures are usually subject to yearly or lifetime limits in most dental insurance policies. Once you surpass this limit, you are personally accountable for all expenses.

Coverage

Cleanings, x-rays, and exams are fully covered by the majority of dental insurance plans in Nebraska. However, always double-check to be sure.

If you need costly dental procedures such as root canals, dental implants, or orthodontics, you should opt for a higher-priced premium plan that covers these costs.

No waiting period

Most dental insurance plans may require you to wait a specific length of time before undergoing certain dental work, especially if the procedure is complicated and expensive. Waiting periods for major treatments can be anywhere from 3 months to a year. Make it a top priority to look for dental insurance in Nebraska with no waiting period if you need quick dental care.

Best dental insurance plans in Nebraska

Take a look at the private dental insurance plans available in Nebraska if you don’t qualify for low-income dental insurance like Medicaid. Every dental insurance provider has its own set of characteristics. We’ve put together a list of the best dental insurance plans in Nebraska so you can start comparing your alternatives.

BlueCross BlueShield

BlueCross BlueShield Nebraska provides a great variety of plans, including group dental insurance, individual and family dental insurance, Medicare Advantage Plans, supplemental dental plans, and health and dental insurance. However, we’ll only cover individual dental insurance plans in this post.

BCBS Dental Preventive Plus Plan:

This BlueCross BlueShield dental plan gives you a $1,000 annual maximum benefit. The deductible is $50 per person per calendar year. You get 100% coverage for preventive care with no waiting time, and the deductible will be waived when you go to in-network dentists.

Simple restorative dentistry, such as fillings, is covered at 80% in-network, and 70% out-of-network after a 6-month waiting period. After 12 months, you will get access to 50% coverage on crowns, bridges, dentures, and root canals.

If your teeth are in good shape and you usually just go to the dentist for preventive check-ups and cleanings, this might be a good dental plan for you.

BCBS Dental Enhanced Plan:

The plan is very similar to the above-mentioned Preventive Plus. The only difference is the higher annual maximum of $1,500 and the higher deductible of $100 per person per calendar year.

This plan may be a suitable match if you have cavities or a tooth that has to be extracted.

BCBS Dental Premier Plan:

This Nebraska BlueCross BlueShield dental plan provides you with a $2,000 annual maximum. All other plan specifications are equal to the Enhanced Plan.

This may be the most cost-effective dental plan for you if you have complicated dental issues and may need crowns, root canal procedures, or dentures.

Delta Dental

Delta Dental of Nebraska provides two PPO plans to match different requirements.

Delta Dental Elite 1000

This Delta Dental plan gives you a plan year maximum of $1,000. The deductible is $100 per person. On this dental insurance plan, all services are covered by 50%. Cleanings, exams, sealants, and fluoride are covered immediately.

After a 6-month waiting period, you have access to periodontal gum care, white fillings, root canals, oral surgery, crowns, dentures, bridges, and implants.

Delta Dental Elite 3500

This dental insurance plan is similar to the Elite 1000; however, you will get a plan year maximum of $3,500. The deductible is only $50 per person. Preventive services are covered at 100% and don’t count toward the annual maximum. Furthermore, the deductible is waived for preventive in-network services.

Metlife

Metlife Nebraska provides three dental insurance plans.

Metlife TakeAlong Dental Low

Metlife’s cheapest dental insurance plan has a $750 annual limit per person. Regardless of whether you visit an in-network or out-of-network dentist, preventive treatments such as examinations, cleanings, and x-rays are completely covered with no waiting period.

After a 6-month waiting period, fillings and extractions are covered with 50%. The deductible is $75 per calendar year per person.

Metlife TakeAlong Dental Medium

With the Medium plan, you just have to pay a $50 deductible, and you are provided a $1,500 annual maximum limit. After a 6-month waiting period, fillings, extractions, and thorough cleanings are covered at 70% of the cost. Crowns, root canals, dentures, and implants are covered at 50% after a 12-month waiting period.

Metlife TakeAlong Dental High

Metlife’s most costly dental insurance plan has a $2,000 yearly coverage limit. Preventive care is fully covered. On the other hand, fillings, thorough cleanings, and extractions are covered up to a level of 80%. All major services are covered by 50%.

This Nebraska dental insurance plan also gives you 50% coverage on braces. There is, however, a 12-month waiting period and a $1,000-lifetime cap on orthodontics.

Nebraska dental insurance comparison

We know it can be difficult to wade through the plethora of plan options. That’s why we’ve created this easy-to-use insurance comparison tool. Just enter your DOB and zipcode, and in seconds you’ll see the best plans in your area.

Conclusion

Finding the ideal dental plan might be difficult. Whatever dental insurance provider you go with, keep the following in mind when looking for the best dental insurance in Nebraska:

• If your teeth are in good shape and you just require preventative care and fillings, a less expensive premium plan is the best option.
• Switch to a higher plan if you need dental implants, braces, or other expensive treatments.
• Read the medical provider’s policy carefully to ensure that you understand what you’re agreeing to.

If you want to read about the best insurance options in any other state, please select from the list below.

FAQs

What is the best dental insurance in Nebraska?

We looked into the top dental insurance plans in Nebraska, including BCBS, Delta Dental, and Metlife, and verified that they were accessible in the state’s major cities, such as Omaha, Lincoln, and Bellevue.

Depending on where you live, various other dental insurance providers such as Humana, Ameritas, Careington, Guardian Direct, Renaissance Dental, NCD Dental, or Nationwide may be available.

Dentalinsurance.com can assist you in finding the best dental insurance for your requirements. By entering your ZIP code and date of birth, you can begin your search for dental insurance options in Nebraska. To get started, just click the button below.