This Is the Top-Rated Dental Insurer in America

Dental patient
Photo by Prostock-studio / Shutterstock.com

Slipping customer service and bad experiences with reimbursement have left consumers slightly less satisfied with dental insurance plans, according to J.D. Power’s 2020 U.S. Dental Plan Satisfaction Report.

However, one provider of such plans — DentaQuest — still gets relatively high marks from customers. It finished as the most highly rated plan in the report.

DentaQuest also stands out in that it largely provides government plans, whereas most dental plan providers included in J.D. Power’s 2020 ranking typically provide coverage through the customer’s employer.

In ranking dental insurance plan providers for overall customer satisfaction, J.D. Power considered five factors. Listed in order of importance, they are:

  • Coverage
  • Cost
  • Communications
  • Customer service
  • Reimbursement

The average overall customer satisfaction score among dental plan providers in the 2020 ranking was 771 out of 1,000 points, which is a 1-point decline from the 2019 average.

Three plan providers earned above-average overall customer satisfaction. The top plans in the report are:

  • DentaQuest: 801
  • Aetna Dental: 791
  • HumanaDental: 774

Five other plan providers earned below-average scores for overall customer satisfaction. They are:

  • Cigna: 767
  • UnitedHealthcare Dental: 760
  • MetLife Dental: 757
  • United Concordia Dental: 742
  • Guardian Access Dental/Premier: 711

The report was based on responses from more than 1,100 dental plan members.

Should you buy dental insurance?

Before shopping for a new dental plan, it’s worth considering whether it makes sense to purchase coverage at all.

Dental insurance that you obtain through an employer is usually a good deal. As Money Talks News founder Stacy Johnson says, if you are offered such coverage, “take it and run.”

However, a plan that you purchase on your own often is not a great deal. As Stacy points out, dental insurance typically offers limited coverage for things such as filling cavities or more complex procedures. It also may limit coverage to something like $1,000 a year. Stacy adds:

“Dental insurance typically has an exclusionary period. In other words, maybe you think, ‘I’m going to need a bridge. I’ll get dental insurance for $350, then get my bridge free.’ Nope. This insurance often excludes even simple things like fillings for six months, and some procedures for 18 months.”

So, Stacy encourages you to think things through before plunking down your hard-earned cash. For more on his take, check out “Should I Buy Dental Insurance?

If you decide dental insurance is not for you, check out some of your other options by reading “10 Alternatives to Dental Insurance.”

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Read Next
10 Colleges That Offer Free Tuition for Seniors
10 Colleges That Offer Free Tuition for Seniors

These schools let retirement-age students study, tuition-free, while earning college credit.

14 Uses for WD-40 That Save Money, Time or Headaches
14 Uses for WD-40 That Save Money, Time or Headaches

WD-40 is handy in a lot more situations than you likely realize.

It’s Worth Paying More for These 7 Things
It’s Worth Paying More for These 7 Things

Sometimes, the difference in quality makes it worthwhile to open your wallet a little wider.

7 Things I Never Buy at Costco
7 Things I Never Buy at Costco

A bulk buy isn’t always the best buy.

8 Products That Make It Easier to Get Fit
8 Products That Make It Easier to Get Fit

Amazon reviewers give high marks to these tools that can help you get in shape without a gym.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Most Popular
10 Things Frugal People Never Buy
10 Things Frugal People Never Buy

If you’re a true tightwad, the mere thought of spending money on these items gives you the willies.

10 Useless Purchases You Need to Stop Making
10 Useless Purchases You Need to Stop Making

You might as well flush your money down the loo if you spend it on these things.

The 16 Cars Most Likely to Last 200,000 Miles
The 16 Cars Most Likely to Last 200,000 Miles

One automaker takes half the spots on a list of the longest-lasting vehicles.

7 Social Security Rules Everyone Should Know by Now
7 Social Security Rules Everyone Should Know by Now

Confusion over Social Security is a shame, considering how many of us will need this money badly.

9 Shopping Mistakes to Avoid at Costco
9 Shopping Mistakes to Avoid at Costco

Are you missing out on serious savings at your favorite warehouse club?

If You Find This Thrift Shopping, Buy It
If You Find This Thrift Shopping, Buy It

They don’t make coffee makers like this anymore.

11 Products Now in Short Supply Due to the Pandemic
11 Products Now in Short Supply Due to the Pandemic

Many goods we take for granted have become tough to find in 2021.

7 Kirkland Signature Items to Avoid at Costco
7 Kirkland Signature Items to Avoid at Costco

Even if it seems you save a bundle buying Costco’s Kirkland Signature brand products, they may not be the bargain they appear to be.

14 Things You Should Stop Buying in 2021
14 Things You Should Stop Buying in 2021

These convenient household products come with hidden costs that you might not have considered.

3 Ways to Get Microsoft Office for Free
3 Ways to Get Microsoft Office for Free

With a little ingenuity, you can cut Office costs to zero.

Is Writing a Check Still Safe?
Is Writing a Check Still Safe?

Every time you pay by check, you hand your bank account numbers to a stranger.

6 Ways to Protect Your Retirement Accounts From Hackers
6 Ways to Protect Your Retirement Accounts From Hackers

Imagine having $245,000 stolen from your retirement account — and not being reimbursed.

8 Things You Should Replace to Improve Your Life Today
8 Things You Should Replace to Improve Your Life Today

Being frugal isn’t smart if you put off replacing these items.

This Is the Most Dependable Car Brand in the U.S.
This Is the Most Dependable Car Brand in the U.S.

This brand’s vehicles are least likely to give drivers repair headaches, according to J.D. Power.

13 Amazon Purchases We Are Loving Right Now
13 Amazon Purchases We Are Loving Right Now

These practical products make everyday life a little easier.

7 Hidden Sections of Amazon Every Shopper Should Know
7 Hidden Sections of Amazon Every Shopper Should Know

These little-known departments of Amazon are gold mines for deal-seekers and impulse shoppers alike.

7 Income Tax Breaks That Retirees Often Overlook
7 Income Tax Breaks That Retirees Often Overlook

Did you realize all these tax credits and deductions exist — or that they apply to retirees?

7 Social Security Benefits You May Be Overlooking
7 Social Security Benefits You May Be Overlooking

There’s more to Social Security than retirement benefits.

The 6 Best Investing Apps for Beginners
The 6 Best Investing Apps for Beginners

If you’re looking to ease into investing in the coronavirus economy with just a little money, check out these easy-to-use tools.

View More Articles

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Add a Comment

Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.