Dental insurance costs

Dental insurance costs represent the total expenses you pay for dental coverage, including monthly premiums, deductibles, copays, coinsurance, and annual maximums. Premiums average $20–$50 per month for individual plans from providers such as Delta Dental and Cigna, per the findings of YourInsuranceInfo.

Deductibles usually range from $50–$100 per year for plans like Humana and Guardian. Copays commonly run $15–$50 per visit for services at networks including UnitedHealthcare and Aetna.

Coinsurance rates typically cover 50%–80% of major procedures after meeting your deductible; examples include fillings at 80% coverage or crowns at 50% coverage. Annual maximum benefits often cap at $1,000–$2,000 according to MetLife and Renaissance Dental data.

Family dental insurance policies generally cost $50–$150 monthly depending on member count and provider network breadth. Out-of-network dental services frequently incur higher out-of-pocket costs, averaging an extra 20%–40% compared to in-network charges by insurers like Blue Cross Blue Shield.

Standalone pediatric dental plans required under the ACA tend to cost about $25–$70 monthly for children under 19. Marketplace dental plan premiums rose by 2% on average in 2023 based on Healthcare.Gov statistics.

Employer-sponsored dental insurance deducts group rates from paychecks, often reducing employee premium contributions to $10–$30 per month compared to private plans.