Best Dental Insurance in Virginia: Plan Reviews 2022

What is the best dental insurance in virginia

Looking for the best dental insurance in virginia? Because Virginia has so many dental insurance providers, selecting the right plan for you can be challenging. Getting the right dental insurance, on the other hand, can substantially reduce your out-of-pocket expenses when you need dental care, so it pays to properly research your options.

we will go over the various dental insurance plans available in virginia in this article, including:

  • individual dental insurance plans
  • private dental insurance
  • dental insurance for seniors
  • virginia dental insurance with no waiting period

We hope this information will help you choose the best dental insurance in Virginia for your specific requirements.

Do you live in another state? See our comprehensive guide to national dental insurance for more information.

types of dental insurance plans in virginia

advantages of dhmo, ppo and dental discount plans

ppo plans: the vast majority of dental insurance plans are ppos. they are quite popular as they provide a lot of flexibility. Although PPO plans have higher premiums and deductibles, you may be eligible for additional benefits, such as discounts on dental implants, braces, and cosmetic treatments.

dhmo plans: This type of dental insurance generally has the lowest cost and often includes free preventive care. however, you may need to choose a primary care dentist from a limited network of dentists.

Dental Discount Plans: Dental savings programs are not the same as the dental insurance plans listed above. this is simply because it is not an actual insurance policy. is a membership program where you pay a fee and get a discount card that saves you money on dental procedures.

virginia individual dental insurance

Individual dental insurance and employer-sponsored dental insurance differ primarily in how they are purchased. both achieve the same result and offer the same features.

dental insurance for seniors in virginia

Dental insurance for seniors is equivalent to that for younger people, except that it focuses on treatments seniors are most likely to need. Procedures offered include root canals, dentures, crowns, and tooth replacements. Although these treatments are not limited to the elderly, they are more likely to be necessary for the elderly. Cigna, Humana, Delta Dental, and Medicare (if eligible) are known to provide dental insurance for seniors in Virginia, but there may be many more options.

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complementary dental insurance

Supplemental dental insurance can be purchased to supplement an individual’s current dental coverage. can serve as a bridge if the annual spending limit is reached in the primary insurance plan or if the policy does not cover necessary or recommended dental procedures. If you’re looking for supplemental dental insurance in Virginia, consider BlueCross BlueShield or Delta Dental. however, there may be other alternatives.

insurance combinations

Some health care companies now provide vision and dental insurance, allowing customers to purchase all of their policies in one place. “medical and dental” or “health and dental insurance” are also popular combinations. If you need both, this could be an effective way to lower your insurance costs. If you’re looking for dental and vision insurance in Virginia, Human, Delta Dental, and Anthem are good options.

what to consider before buying dental insurance in virginia

Finding the ideal dental insurance in Virginia requires more than a price check. dental insurance that is the cheapest is not always the best possible or most cost-effective solution. You should also consider the following aspects:


When it comes to dental insurance in Virginia, cost is the most important consideration for most people. several factors intervene in the total cost of the plan:

  • premium: a flat fee paid monthly or annually, regardless of how often you get dental care.
  • copayment: a co-payment is a fixed cost or a percentage of the total amount you must pay to the dentist at the time of treatment.
  • deductible: the amount you must pay from out of pocket before your insurance kicks in and pays the cost of services.
  • Maximum Limits: The maximum amount a policy will pay, either annually or over the lifetime of the policy. you are responsible for anything over that amount once you have exceeded it.


When it comes to coverage, you need to think about the services you’ll need. a plan that includes preventive care is, of course, excellent. these services are usually covered by most insurance policies. however, more advanced dental services such as implants, orthodontia, and teeth whitening are not always covered. If you need complex or major treatments, look for a virginia dental insurance plan that covers them.

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dental insurance without deficiency

Some plans will require you to wait a specific amount of time before receiving certain services. others do not have a timeout. If having immediate access to dental treatment is vital to you, be sure to prioritize this as you search for the best dental insurance in Virginia.

comparison of virginia dental insurance plans

To help you compare your options, we’ve compiled a list of the best dental insurance plans in Virginia.

delta dental insurance in virginia

Individuals and families can choose from several dental insurance plans offered by Delta Dental of Virginia.

basic delta dental plan

this is delta dental virginia’s most affordable plan. covers preventive care, fillings and extractions. plan maximum is set at $1,000 per person per year. A $15 copay will be charged at each office visit, but there is no deductible fee.

clearplus dental delta plan

With this delta dental plan, there’s no guesswork. each treatment already has a fixed copay. This dental insurance plan does not have a waiting period. It also has no annual maximum or deductible.

classic dental delta plan

the maximum benefit under this virginia delta dental plan is $1,000 per person per year. the deductible is $50 per person. preventive care is covered at 80%; fillings, crowns, root canals, extractions, deep cleanings and implants are covered at 50%.

dental delta progressive plan

the delta dental progressive plan works differently than the one mentioned above. coverage for select services increases each year. In addition, the annual maximum is staggered and increases each year for 3 years. the annual deductible is $50 per person.

anthem blue cross blue shield

all anthem insurance plans in virginia provide 100% in-network coverage for preventive and diagnostic services with no waiting time.

anthem bcbs bronze plan

This plan offers free preventive care, as already mentioned. basic procedures like fillings and extractions are covered at 50% after a 3-month waiting period. there is a deductible of $50 per person and a plan maximum of $1,000.

bcbs anthem silver plan

This anthem blue cross blue shield plan provides the same services as the bronze plan. however, it also covers crowns, root canals, dentures, deep cleanings, and teeth whitening at 50% with a 6 month waiting period.

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bcbs anthem gold plan

This dental insurance plan includes all the benefits of the silver plan and has a higher plan maximum of $1,500. in-network coverage for fillings and extractions is 80%.

anthem bcbs platinum plan

This virginia dental insurance plan covers a maximum of $2000 per year. includes all the benefits of the anthem gold plan, plus 50% coverage for braces/orthodontia after a 12-month waiting period.


more preventive

If you are looking for a low cost ppo dental plan, this is a good option. fully covers cleanings, x-rays and exams. fillings and extractions are covered at 50% after a 6-month waiting period. there are no copays for office visits.

loyalty plus

humana dental’s “loyalty plus” plan provides loyal members with ever-increasing benefits. Pay less out of pocket for fillings, root canals, crowns and other procedures; an increase in annual highs; a one-time deductible for as long as you’re in the plan; and there are no copays or waiting periods between increasing benefits.


If you’d like to read about the best insurance option in any other state, select from the list below.

frequently asked questions

what is the best dental insurance in virginia?

Because everyone’s demands are different, there is no one-size-fits-all solution. If you think you’ll need major treatment, like implants, you’ll need to choose a plan that covers them. In addition, it is beneficial to find a dental insurance plan with no waiting period for these treatments.

We search for the best dental insurance plans in Virginia, then check availability in major cities across the state, including Virginia Beach, Arlington, Norfolk, and Richmond.

Various dental insurance companies may be offered, including metlife, guardian, aetna, kaiser, dominion national, and nationwide, depending on your area. can help you find the ideal dental insurance for your specific requirements. By entering your zip code and date of birth, you can compare the best dental insurance plans in Virginia. just click the button below to get started.

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