MetLife’s average premium is the lowest we found out of the six plans we reviewed in the two locations where we gatꦿhered quotes (Los Angeles and El Paso, Texas). 

Most dental insurance policies with no annual maximum are 澳洲幸运5开奖号码历史查询:HM🌠O (health maintenance organization) plans with no 澳洲幸运5开奖号码历史查询:waiting periods for services and no 澳洲幸运5开奖号码历史查询:deductibles, but you will need to make a copay for most services you receive. MetLife offers two such plans, D𓄧HMO - Low and DHMO - High. DHMO - Low has a lower premium and higher copays than the other plan.

However, even with the DHMO - Low, MetLife categorizes many services as preventive and charges a $0 copay for oral exams, bitewing and full-mouth X-rays, and flu🔜oride treatments. The copay for cleanings is only▨ $20.  

Copays for major care are also attractive. Prices𓃲 range from $350 for a crown to $525 for a 🐼complete set of dentures—about one-fourth of the average cost without insurance. 

However MetLife’s coverage for basic care, such as fillings, requires you to pay more out of pocket than man🌳y other insurers we reviewed. Also note that the DHMO - Low plan is only available to individuals in four states: California, Florida, New York, and Texas. Check your state for availaꦐble plans there.

MetLife also offers individual ♏澳洲幸运5开ꦕ奖号码历史查询:PPO (preferred provider organization) plans nationwide and through the NCD by MetLife program, buᩚᩚᩚᩚᩚᩚ⁤⁤⁤⁤ᩚ⁤⁤⁤⁤ᩚ⁤⁤⁤⁤ᩚ𒀱ᩚᩚᩚt those pl🦹ans do have maximum benefit caps.

MetLife began as a life insurance c🐲ompany in 1868 andꦇ now conducts business in more than 40 countries. Its headquarters is in New York City.

Besides Humana's high ranking in the J.D. Power survey, Humana’s complaint record is better than everyone else’s on this list except for Delta Dental’s. State insurance regulators received, on average, around one-third fewer customer complaints about Humana than expected for its size over a three-year period.  

Humana’s HMO plan (Dental Value) has no annual maximum and covers 澳洲幸运5开奖号码历史查询:preventive, basic, and major care. You’ll pay $0 for a preventive exam, cleaning, and most X-rays. The in-network copay for basic services ranges from $0 to $205, with $30 tꦗo $45 for an amalgam filling. 

For major services, copay pricing is slightly higher than MetLife’▨s, but still very competitive. A crown copay is $410, while a complete set of dentures costs $550. 

However, the Dental Value plan we gathered quotes for is only available in Florida, Georgia, Illinois, Kentucky, Missourꦬi, Ohio, Tennessee, and Texas. You may find other no-annual-max 🍌plans in other states.

Based in Louisville, Kentucky, Humana has been in business since 1961. The company sells individual dental, vision, and hearing insurance plans, as well as 澳洲幸运5开奖号码历史查询:Medicare Advantage and 澳洲幸运5开奖号码历史查询:Medicare Supplement (Medigap) plans.

For Delta Dental’s lowest-cost plan, known as DeltaCare USA, th🍌e copay fo🏅r basic, restorative dental care ranges from $25 to $120, which is lower than the copays any other plans require for similar services. 

Copays for in-networ💞k preventive care range from $0 to $85. That $85 is the highest preventive copay in our study but it’s for a space maintainer. Most preventive procedures ar🐟e no cost, and a routine cleaning will run you just $5. 

For in-netw𝕴ork major dental work, your cop𒈔ay could go as high as $725. 

Delta Delta has an excellent track record of pleasing customers, wi💧th the fewest complaints relative to the company’s size of any provider Investopedia studied. 

You can only get the DeltaCare USA plan in California, Florida, Maryland, Nevada, New York, Pennsylvania, Texas, Utah, and Washington, D.C. But no-annu🐲al-max plans are available in other states by other names, and they may be offered as PPOs. For example, the Clear and Clﷺear Plus PPO dental plans are available in Virginia, Washington, and Wisconsin. 

Delta Dental says it provides dental coverage to more Americans than any other insurer. The company sells dental insurance plans nationwide a♉nd in Puerto Rico through it💝s network of 39 independent Delta Dental companies. It was founded in 1954 and its national headquarters is in Oakbrook, Illinois.

If you’re looking for a PPO plan with no annual maximum benefit, you may want to consider Physicians Mutual. PPOs typically have larger networks than HMOs and allow you more flexibility to choose a provider, but their premiums are higher. Very few of them offer covera💫ge with no annual maximum.

Physicians Mutual’s lowest-priced no-annual-max plan in the ZIP🅠 codes we surveyed is called the Economy plan. It covers 100% of in-network preventive care, which includes a wide range of services such as cleanings, fluoride, and space maintainers. The plan has no deductible, so your coverage can begin right away.

The plan also stands out because it covers major care, but only 25% of costs and only after a 12-month waiting period. That seems stingy compared to the 澳洲幸运5开奖号码历史查询:best PPO dental plans with annual coverage limits, but it’s rare to find any PPO with no annual maximu𝄹m that covers major care. Other Physicians Mutual PPOs offer more extensive coverage, but their premiums are even higher than the already-high Economy plan’s.

Physicians Mutual was founded in 1902 to provide health insurance to doctors and surgeons. It has since expanded into other areas, including life insurance and 澳洲幸运5开奖号码历史查询:Medicare Supplement plans.

The company is based in Omaha, Nebraska.