In the U.S. about 2 in 3 adults and 9 in 10 children have dental coverage. If you are considering buying dental insurance or joining a dental savings plan, it’s important to understand the costs and benefits and choose what’s best for your needs. Our partners at ConsumerAffairs researched the best dental insurance in Boise so visits to the dentist don’t chew up your bank account.
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Oral health and overall wellness are closely associated. Taking care of your teeth and gums reduces risk of disease, and your mouth often shows the first clues of systemic health issues.
To maintain oral health and save on costs, many Boiseans choose to purchase dental insurance. Dental insurance covers a portion of dental care expenses in exchange for a monthly premium.
As with health insurance, dental insurance commonly has deductibles, copayments, coinsurance and maximum out-of-pocket costs. Preventive services like routine exams, cleanings and X-rays are often covered 100 percent, but you’ll generally pay a higher percentage of the cost for procedures like fillings or crowns.
Dental insurance in Boise is often offered as “100 - 80 - 50” coverage, meaning the plan will cover 100 percent of preventive care, 80 percent of basic procedures like fillings and 50 percent of major dental procedures like root canals.
When choosing dental insurance in Boise, take note of which providers you’re allowed to use. An indemnity plan lets you choose any dentist, while a dental plan organization (DPO) or preferred provider organization (PPO) has a network of dentists contracted to provide services at reduced rates.
Alternatively, a dental savings plan is an option for Boiseans. You pay an annual fee up front and get savings when you visit any in-network dentist. A dental savings plan doesn’t reimburse a dentist like insurance; instead, you pay the dentist directly.
Dental insurance vs. dental savings plan
Type of plan
Method of payment
Typical individual cost
$120 - $360/year
More savings on expensive procedures; no or low cost for preventive services
Dental savings plan
$100 - $200/year
Costs less than insurance; no deductibles or copays; no waiting period; no annual benefit limit
Before choosing a plan for dental coverage in Boise, think about your and your family’s needs. Dental insurance may cost a bit more up front, but you may pay less in the long run if you have expensive procedures. On the other hand, if you are young and single and have low dental care needs, it may be cheaper to pay the discounted rate out of pocket as you go.
Check out the companies listed on this page for dental insurance and dental savings plans in Boise.
1Dental.com offers nationwide access to affordable and quality dental discount plans. Customers can search for a dentist online, choose the plan that best fits their needs and start receiving 15 - 60 percent savings on dental visits. Applying takes only five minutes. Reviews mention helpful customer service during sign-up.
DentalPlans.com, in business since 1999, is an online marketplace of over 30 cost-effective dental savings plans. Customers never have to worry about waiting periods, annual limits, paperwork or health restrictions. DentalPlans.com even has a Price Match Guarantee. Visit the website to compare plan offerings with a simple ZIP code search. Customers like the plan options and have documented substantial savings.
UnitedHealthcare has dental insurance to meet your needs and budget. The quote and application process is fast, with no maximum age limit for coverage. Preventive care is covered with no deductible and no waiting periods. Customers like that UnitedHealthcare has many dental plan options and that the insurance is accepted by many dentist offices.
Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.
Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.