Best Dental Insurance Plans in New Hampshire: Review and Comparison

If you're looking for the best dental insurance in New Hampshire, you'll find a wide variety of choices. But then how do you determine which dental insurance plan is right for you?

We realize how difficult it may be to navigate through all of the many dental plans available. When you require dental care, however, having the appropriate dental insurance may drastically reduce your out-of-pocket costs. So, it's well worth your time to thoroughly investigate your possibilities before making a decision.

We've already done some of the effort for you by sifting through New Hampshire‘s dental insurance plans and creating this guide to help you choose the right dental insurance for your requirements.

We'll cover the following topics in this article:

• Types of dental insurance in New Hampshire
• Individual and family dental insurance
• Dental insurance for seniors
• Dental insurance plans with no waiting period

We hope that after reviewing the following information, you will be able to choose the most appropriate dental insurance for your needs.

Not from New Hampshire? Check out our nationwide dental insurance guide.

Different types of dental insurance in New Hampshire

We'll begin by discussing the various types of dental insurance available in New Hampshire.

PPO, DHMO, and dental discount plans

• PPO plans plans make up the vast bulk of dental insurance policies. They're popular because they give you the most choices when it comes to selecting a dentist. They also offer comprehensive coverage for a wide range of procedures.

• DHMO plans commonly provide cheaper dental insurance rates. But they give you less flexibility than PPOs. You may be obligated to choose one dentist who will handle all of your treatments.

• Dental discount plans: They're a viable approach to saving money if you require dental care right away because these dental plans have no waiting period. These plans aren't true dental insurance, and you'll have to pay the dentist out of pocket instead of filling out insurance paperwork. However, for a nominal monthly membership fee, you will get a membership card that entitles you to discounts of 20–50% on some procedures.

Dental insurance for seniors

Dental insurance for seniors basically functions in the same way as dental insurance for younger individuals. It does, however, focus on the dental services that seniors are more likely to require. While seniors are not the only ones who need these services, they are the people most likely to use them.

Individual dental insurance in New Hampshire

The only difference between individual dental insurance and employer-sponsored dental insurance is how it is bought. They both serve the same goal and have many of the same features and benefits.

What to consider when buying dental insurance in New Hampshire

Cost

When it comes to dental insurance in New Hampshire, many people base their decisions on price. Keep in mind, however, that the total cost of the dental plan is made up of many different components, as explained below:

• Premium: The premium is a set amount that you must pay either monthly or yearly, depending on the provider. You must pay this sum whether or not you need dental services.

• Annual maximum limit: The total amount your dental plan will pay for your treatment in any given plan year is known as the “annual maximum.”

• Deductible: The deductible is the amount you must pay out of pocket for dental care before your insurance plan starts paying for it.

• Copay: The copayment, also known as a copay, is a set cost that you must pay before obtaining a service or treatment that is covered by your dental insurance. Depending on the type of dental insurance plan, this might be a set amount or a percentage of the treatment's overall cost.

Coverage

Cleanings, x-rays, and exams are all covered in full by the majority of dental insurance plans in New Hampshire, but always verify that the one you choose does.

If you need costly dental services such as dentures, dental implants, root canals, or braces, you should opt for a higher premium plan with comprehensive coverage for these procedures.

Waiting period

Many dental insurance plans typically require you to wait a specific length of time before undergoing certain dental procedures, especially if they are costly.

Basic treatments usually have a three-month waiting period. For more complicated procedures like root canals and dentures, most dental insurance plans require a six-month waiting period. You may have to wait up to a year to get coverage for the most expensive procedures, such as implants and braces. There are, however, exceptions to this, and it mainly applies to PPO plans only.

If you require treatment right away and need dental insurance in New Hampshire with no waiting period, you have various possibilities:

• Sign up for a dental discount plan. These typically don’t have waiting periods.
• Check out the “Anthem BlueCross BlueShield Incentive Plan”

You might also consider traveling overseas for dental tourism if you need expensive treatments like dental implants and All-on-4/6/8. In particular cases, you may be able to save up to 50–75% off the cost of a dental procedure. More information is available in our dental tourism guide.

List of the best dental insurance companies in New Hampshire

If you don't qualify for Medicaid or other low-income dental insurance, look into the private dental insurance providers in New Hampshire. We've compiled a list of the top dental insurance plans in New Hampshire so you can start weighing your alternatives.

Anthem BlueCross BlueShield

Anthem BlueCross BlueShield offers a wide range of PPO plans in New Hampshire.

Anthem BlueCross BlueShield Bronze Plan

Anthem’s Bronze Plan covers preventive services, such as exams, cleanings, and x-rays, with 100% in-network and 80% out-of-network. These services have no waiting period. After three months, you get access to 50% coverage on fillings and extractions. The annual maximum is set at $1,000. A $50 deductible will be charged per person. However, the deductible is waived for preventive and diagnostic services.

Anthem BlueCross BlueShield Silver Plan

This dental plan, provided by Anthem New Hampshire, gives you an annual maximum of $1,000. Also, a $50 deductible will be charged per insured person. Preventive services are covered 100% in-network as well as out-of-network, but, if you go to an in-network dentist, the deductible will be waived.

Fillings and extractions are covered by 50% after a three-month waiting period. Root canals, dentures, teeth whitening, and deep cleanings are also covered at 50% but require a six-month wait.

Anthem BlueCross BlueShield Gold Plan

The Gold plan provides a $1,500 annual maximum benefit. The deductible requirements are the same as with the previously mentioned dental plans. Preventive care is covered 100% in-network and 80% out-of-network after the deductible. Fillings and extractions are covered at 80% in-network and 60% out-of-network after a three-month waiting period. After six months, you get access to 50% coverage on crowns, root canals, dentures, deep cleanings, and teeth whitening.

Anthem BlueCross BlueShield Platinum Plan

All of the treatments covered by the Gold plan, as well as dental implants and orthodontics for children, are covered by the Anthem Platinum PPO plan. It also comes with a $2,000 yearly maximum benefit. This dental plan provides you with the same coverage in-network and out-of-network, which gives you maximum freedom when choosing a dentist.

Preventive care is fully covered. Fillings and extractions have 80% coverage after three months, and crowns, root canals, dentures, deep cleanings, implants, and teeth whitening are covered at 50% after a six-month waiting period.

Braces are covered at 50% after paying a $150 lifetime deductible and a 12-month waiting period.

Anthem BlueCross BlueShield Incentive Plan

Anthem's Incentive plan is a dental insurance plan with no waiting periods on any services. Even orthodontics has no waiting period. Although this dental insurance plan has a higher premium, it can be good dental insurance for braces if you already know your child will require them. This dental plan provides you with a generous $2,500 annual plan maximum and an additional $1,000 lifetime maximum benefit on orthodontics.

Preventive services are fully covered. All other treatments have increasing benefits from year one to three. Fillings and extractions are covered by 60–80%, and major services such as crowns, root canals, dentures, deep cleanings, implants, and teeth whitening are covered by 30–50%.

Delta Dental

Delta Dental Family Low Plan

This Delta Dental plan of New Hampshire requires a $30 copayment for every office visit and a $150 yearly deductible. However, these fees only apply to basic and major treatments, not to preventive care.

Preventive and diagnostic services are fully covered, while fillings are covered by 40% and all major services by 50%. Major services include crowns, dentures, implants, root canal therapy, treatment of gum disease, and extractions.

Delta Dental Family High Plan

The Delta Dental Family High Plan requires a $15 copay for every office visit and a $50 deductible per person per calendar year. This applies only to basic and major services, just like with the Low plan.

Preventive services, such as cleanings, exams, x-rays, topical fluoride, and sealants, are fully covered. Fillings and extractions are covered by 80% after a three-month waiting period. After a six-month waiting period, you get access to 50% coverage on crowns, dentures, implants, root canals, and gum disease treatment. The plan dollar maximum of this Delta Dental insurance plan is $1,000 per person per calendar year.

Humana

Humana New Hampshire provides one PPO plan in the state.

Humana Preventive Plus Plan

This plan from Humana New Hampshire gives you a $1,000 calendar-year maximum benefit. There’s a $50 deductible to pay per calendar year; however, it doesn’t apply to preventive in-network services.

Exams, cleanings, and x-rays are covered 100% in-network and 70% out of network after the deductible. After a six-month waiting period, you have access to fillings and extractions with 50% coverage in-network and 30% out-of-network. Major services are not covered in this Humana dental insurance plan, but you can get discounts.

Comparison of dental plans in New Hampshire

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

It might be difficult to determine which dental insurance in New Hampshire offers the maximum value. Whatever dental insurance provider you pick, keep the following in mind while looking for the best dental insurance in New Hampshire:

• Always read the conditions of the dental insurance policy carefully, regardless of which dental insurance provider in New Hampshire you choose, to ensure that you fully understand what you're committing to.
• It's important to take advantage of preventive procedures, especially if your dental insurance plan covers them entirely. Regular cleanings may help you avoid major dental treatments, which are typically very expensive and sometimes not covered by dental insurance plans in New Hampshire.
• If your teeth are in good shape and you just expect to require preventative care and fillings, a low-cost premium plan is a good fit.
• However, should your teeth be in pretty bad shape and you suspect you'll require dental implants, crowns, root canal therapy, or other expensive treatments, paying a higher premium but getting extra coverage is a good investment.

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

FAQs

What is the best dental insurance in New Hampshire? 

Everyone's needs are different, so there is no one correct answer. Healthy individuals may only need preventive care coverage, while others may need better coverage for major treatments.

We investigated the top dental insurance carriers in New Hampshire and verified that they were available in the state's major cities, including Manchester, Nashua, and Concord. However, other dental insurance carriers, such as Metlife, Ameritas, Guardian Direct, Renaissance Dental, NCD Dental, or Nationwide, may be available depending on where you reside.

Dentalinsurance.com can assist you in identifying the best dental insurance to meet your requirements. You may start your search for dental insurance plans in New Hampshire by entering your ZIP code and date of birth. Simply click the button below to get started.