Top-Rated Dental Insurance Providers in Texas

Here’s a detailed breakdown of the best dental insurance providers in Texas, including key features, pros, cons, and ideal users.

 Delta Dental of Texas

✅ Best For: Families & Comprehensive Coverage

Key Features:

• Offers PPO and HMO plans with varying coverage options
• Large network of Texas-based dentists
• Covers 100% of preventive care and up to 50% for major procedures
• Some plans include orthodontic benefits

Pros:
✔ Large provider network
✔ Strong customer service & reputation
✔ Orthodontic coverage available

Cons:
❌ Higher monthly premiums for full coverage
❌ Waiting periods may apply for major procedures

 UnitedHealthcare Dental

✅ Best For: Nationwide Coverage & Flexibility

Key Features:

• Offers PPO and HMO plans
• Includes no waiting period options for preventive care
• Coverage for implants, dentures, and orthodontics on select plans
• Bundling available with medical insurance

Pros:
✔ No waiting period options available
✔ Nationwide access to providers
✔ Can be bundled with health insurance

Cons:
❌ Higher copays for out-of-network dentists
❌ Some basic and major procedures may have waiting periods

 Ameritas Dental

✅ Best For: High Annual Maximums & Custom Plans

Key Features:

• PPO and indemnity plans available
• No waiting periods on select plans
• Annual maximums up to $2,500 for major services
• Covers implants, orthodontics, and dentures

Pros:
✔ No waiting period options available
✔ Higher annual maximums than many competitors
✔ Competitive premium rates

Cons:
❌ Limited availability for certain provider networks
❌ Higher deductibles on some plans

 Cigna Dental

✅ Best For: No Waiting Periods & Affordable PPO Plans

Key Features:

• Offers Cigna Preventive, Cigna Dental 1000, and Cigna Dental 1500
• Covers 100% of preventive services
• Low-cost PPO options with flexible networks
• Some plans do not require waiting periods

Pros:
✔ Immediate preventive care coverage
✔ Affordable monthly premiums
✔ Strong Texas provider network

Cons:
❌ Major services may have waiting periods
❌ Annual maximums are lower than some competitors

 Humana Dental

✅ Best For: Seniors & Long-Term Benefits

Key Features:

• PPO & HMO plans with tiered benefits
• Loyalty Plus Plan increases coverage over time
• Covers dental implants and dentures
• Preventive care covered 100%

Pros:
✔ Ideal for seniors & retirees
✔ Coverage increases over time
✔ Affordable preventive care plans

Cons:
❌ Lower annual maximums on some plans
❌ Waiting periods for major services

 Aetna Dental

✅ Best For: Budget-Friendly Plans & Discount Options

Key Features:

• Offers low-cost PPO plans and discount dental plans
• Covers preventive, basic, and major dental services
• Some plans offer no waiting periods

Pros:
✔ Affordable monthly rates
✔ Flexible plan options
✔ Discount dental plan available

Cons:
❌ Major services may have waiting periods
❌ Lower coverage for high-cost procedures

 MetLife Dental

✅ Best For: Military Families & Employer-Sponsored Plans

Key Features:

• Offers PPO and indemnity dental plans
• Provides TRICARE dental for military families
• Covers orthodontics and major services on select plans
• Extensive provider network

Pros:
✔ Excellent for military personnel
✔ Strong employer-sponsored options
✔ Nationwide provider network

Cons:
❌ Individual plan options are limited
❌ Higher premiums for full coverage plans