Best dental insurance plans with no annual maximum in 2021


Final verdict

There are many options to choose from for your discounted dental plan, but not all are created equal. From pricing to coverage and network, each dental insurance provider varies widely in what they have to offer you. Some companies like Delta and Guardian Direct are a fantastic choice when you don’t have time to wait, but others like Aetna and Humana may be better suited when looking for full coverage that includes additional services like root canals. and orthodontics.

Physicians Mutual is our choice for the best dental insurance plan with no annual maximum. Coverage covers the entire country with half a million dental providers, so most members have little trouble finding a provider nearby. With coverage for over 350 procedures, Doctors’ Mutual provides comprehensive coverage with no deductibles or waiting periods for preventive care, providing the comprehensive coverage that might work best for your family.

Compare the best dental insurance plans with no annual maximum

Society Plans Network providers Deductible Number of states available
Mutual of doctors

Best overall
3 500,000 Nothing 50
Delta Dental

The most affordable
5 155,000 $ 50 for PPO plans 50

Better coverage
5 260,000 $ 50 for individuals $ 150 for families 50
Direct tutor

Ideal for the elderly
3 100,000 Nothing 22

Ideal for major dental work
4 100,000 Nothing 48

Ideal for individuals
4 120,000 None for the reduction plan 50

Ideal for no waiting period
3 93,000 $ 50 for individuals $ 150 for families $ 0 for the preventive plan 50

How to choose the best dental insurance plans with no annual maximum

There is a lot to consider when looking for the best dental insurance plan with no annual maximum. These are some of the most important factors to consider when purchasing a new insurance plan.

  • Deductible: Before your insurer pays for coverage, there is usually a minimum deductible that you must pay first. Be sure to check which deductibles apply to your plan, as some plans may not charge any at all.
  • Coinsurance: Once you have paid your deductible, your coinsurance is the remaining amount that you and your insurer pay collectively.
  • Premium: This is the amount you pay for your plan. Depending on your insurer and the plan you have chosen, you can pay your premium every month or every year.

Frequently Asked Questions

Are you saving money with dental plans with no annual maximum?

When there is no annual maximum associated with your dental plan, you can benefit from an unlimited amount of coverage unless your plan provides otherwise. Monthly premiums may cost a little more than your average dental plan, but you could save thousands of dollars in the long run with discounted services and co-payments.

Can I get full coverage with dental insurance plans with no annual maximum?

There are two types of dental insurance plans that do not include an annual maximum. You can choose between a dental health maintenance organization (DHMO) or a discounted dental plan. While DHMOs limit service to their own networks, a dental diet uses group rates to provide the best discounts, usually through their employer.

How much do dental insurance plans cost without a maximum annual cost?

The price of dental insurance depends on several factors, such as your age, gender, and the plan you choose. For example, while Physicians Mutual’s plans start at around $ 30 per month, Careington’s plans start at $ 8.95 per month. Plans with additional facets like deductibles, co-payments, and waiting periods can all impact the price, so think carefully about what features are most important to you and the associated costs. An insurance agent can also help you review policy options so that you can be sure that you are finding the best dental insurance plan with no maximum annual cost to you.


We carefully weigh the major insurance providers today while taking into account critical factors such as coverage, price, network and area of ​​service. Our team compiles the latest policy information to provide expert insight into each provider and their offerings, simplifying the process for you and your family.


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