Top Dental Insurance Plans with PPO Options for 2024

July. 06,2025

Discover the top PPO dental insurance plans for 2024 from leading providers like Aetna, Cigna, and Humana. These plans offer comprehensive coverage for preventive, basic, and major dental services, with flexible options suited for different budgets. Learn about plan features, costs, and coverage limits to make an informed decision and maintain healthy teeth and gums. Get details on premiums, deductibles, and network access to choose the best plan that fits your dental care needs and financial situation.

Top Dental Insurance Plans with PPO Options for 2024

Leading PPO Dental Insurance Options for 2024

Rising healthcare expenses have made it essential to secure insurance coverage that includes both general health and emergency treatments. Unfortunately, many insurers exclude dental coverage, prompting the need to explore providers offering dedicated dental plans that cover preventive, basic, and specialized orthodontic care.

Companies such as Aetna, Cigna, and Humana stand out with diverse dental insurance offerings.

Aetna Dental® Coverage
Aetna’s standalone Dental® plans provide comprehensive coverage without requiring medical plan membership. These plans cover routine checkups and essential preventive services, reducing out-of-pocket costs.

Leading PPO Dental Insurance Plans for 2024

Two primary PPO plans are available:

Aetna Dental® Preferred PPO
For this plan, a $50 individual or $150 family deductible applies. Preventive services like exams and X-rays are fully covered with no coinsurance. The plan offers an annual maximum benefit of $1250 per person, covering cleanings, fillings, extractions, crowns, dentures, root canals, and bridges.

Aetna Dental® Core PPO
This plan maintains consistent deductibles and coinsurance rates for individuals and families, with a lower premium cost for most services. The annual benefit cap is set at $1000 per person, covering preventive, basic, and major dental work. Service availability may vary based on location and provider.

Cigna Dental Insurance
Cigna provides extensive dental coverage through a network of over 90,000 dentists nationwide, offering affordable premiums and flexible plans.

Cigna Dental 1500
At $35/month, this plan offers a maximum annual benefit of $1500 for restorative care and $1000 for orthodontic treatments (certain conditions apply). Preventive visits are fully covered with no extra cost, and deductibles are capped at $50/person and $150/family.

Cigna Dental 1000
Costing $30/month, this plan covers preventive and basic restorative services with a $1000 annual cap. Orthodontics are not included, but in-network discounts are available. Deductibles remain at $50/person and $150/family.

Cigna Dental Preventive
For just $19/month, this basic plan covers essential preventive care with no deductibles or coinsurance, ideal for minimal coverage needs. Orthodontic and restorative services are not included.

Humana Dental Insurance
Humana offers affordable plans with access to over 260,000 dental providers, capturing a broad national network. Monthly premiums start as low as $17.99, varying by state and coverage options.

Humana Preventive Value PPO
For $17.99/month, receive preventive care without annual caps, with $50/individual and $150/family deductibles. This plan covers a limited list of services focused on prevention.

Humana Bright Plus PPO
At $21.36/month, this plan maintains standard deductibles and coinsurance, with an annual maximum benefit of $1250 per individual for basic and major procedures.

Humana Dental Savings Plus
Costing only $7.99/month, this plan provides discounts on dental services without deductibles or maximum benefits, suited for those primarily seeking savings on dental visits.

Note: Prices and coverage specifics are based on the state of New York. Actual costs and available services may vary based on your location and local regulations. Obtain a personalized quote for your area online.