Illinois – Individual Dental Plans

Dental Insurance for Families

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Dental Insurance for Seniors!

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 Sprit Individual Dental Plans

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Dental Insurance Overview

If you don’t have dental coverage from an employer, you will find that most insurance companies do not offer individual dental insurance plans.

Many companies claim to offer individual dental insurance when they are actually selling discount plans that only provide discounts for dental services at participating providers and do not provide actual insurance benefits.

The plans from Ameritas Dental, Aetna, Humana Dental, Spirit Dental, and Primestar Dental below are individual and family dental insurance plans, not dental discount programs.


Ameritas Dental Plans

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Ameritas is one of the nation’s leading providers of dental care services with 3.5 million insured members nationwide. If you’re looking for an individual dental PPO plan that offer similar benefits to a group dental plan, an Ameritas Dental Plan is for you. It provides coverage for everything an employer plan would – preventive care coverage for cleanings and X-rays, crowns, bridges, and fillings.

Freedom to Use Any Dentist with Confidence

The Ameritas Dental Plans allow you the freedom to use any dentist and reimburse non-network providers at the 90th percentile of usual & customary prices (i.e. 9 out of 10 dentists do not charge more than Ameritas’ reimbursement amount).

No Waiting Periods if Transitioning from Group Plan

Ameritas dental plans offer previous group dental participants a waving of any waiting periods if they transition to one of their plans within 30-days. This is the only individual plan that has this feature. If you are not transitioning from a group plan, they have waiting period of 6-months for minor work and 12-months for major dental work. There is no waiting period for preventive care on any plan.

  • lillysedrick

    Finding a good dental plan can definitely be a lot of work. That is why it is so important that you do your research to try to find a plan that is best for you. You want to make sure that you find a plan with the best possible coverage. I think that it is a really good idea to know what you are looking for specifically before you start doing research.