Лучшая стоматологическая страховка 2026: 5 полисов
5 вариантов. Реальные замеры, не маркетинг. В этом обзоре сравниваются 5 варианта по опубликованным характеристикам, документации производителей и независимым тестам — без собственных испытаний.
This comparison is desk research. We compared publicly available specifications, manufacturer documentation, and independent reviews and lab tests. We did not test these products ourselves.
Delta Dental Individual
🏆 Best mainstream: Delta Dental Individual is the right pick for most adults. Largest US dental network (3 out of 4 dentists), 80% coinsurance on preventive + basic, $1,000-2,000 annual max.
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Delta Dental Individual
Quote at deltadental.com — verify your dentist is in-network.
Delta Dental Individual is the right pick for most adults. Largest US dental network (3 out of 4 dentists), 80% coinsurance on preventive + basic, $1,000-2,000 annual max. The default recommendation for typical dental needs.
Плюсы
- ✓Largest dental network
- ✓80% coinsurance baseline
- ✓Wide annual max options
Минусы
- ✗6-12 month waiting period for major
- ✗Annual max can be exhausted by one crown
Cigna Dental 1500
Quote at cigna.com — strongest preventive coverage.
Cigna Dental 1500 is the right pick if you mostly want preventive coverage. 100% preventive immediately, no waiting period for cleanings. $1,500 annual max. Strong nationwide network.
Плюсы
- ✓100% preventive immediately
- ✓Strong nationwide network
- ✓$1,500 annual max
Минусы
- ✗6-month waiting for basic
- ✗12-month for major
Spirit Dental No-Waiting Plan
Quote at spiritdental.com — only pick this if you need major work immediately.
Spirit Dental No-Waiting Plan is the right pick if you need major dental work NOW. Zero waiting period for root canals, crowns, dentures. Higher premium ($45-110/mo) but you can start using major services day 1. $5,000 annual max.
Плюсы
- ✓Zero waiting on major services
- ✓$5,000 annual max (highest)
- ✓Strong choice if you need work immediately
Минусы
- ✗$45-110/mo (premium pricing)
- ✗Smaller PPO network
Humana Dental Loyalty Plus
Quote at humana.com — loyalty bonus only if claims-free.
Humana Dental Loyalty Plus is the right pick if you stay with one plan long-term. $1,500 max year 1, increases to $2,000+ in year 3 if claims-free. The loyalty bonus is unique but only works if you're not using the insurance.
Плюсы
- ✓Annual max increases over time
- ✓Reasonable network
- ✓Solid mainstream carrier
Минусы
- ✗3/6-month waiting for basic/major
- ✗Loyalty bonus negated by claims
DenteMax Dental Discount Plan
Quote at dentemax.com — verify your dentist participates.
DenteMax Dental Discount Plan is the right pick if you have ongoing dental needs and won't fit under annual max. NOT insurance — pay discounted rates at participating dentists. No max, no waiting periods, $15-25/mo.
Плюсы
- ✓No annual max
- ✓No waiting periods
- ✓$15-25/mo low premium
Минусы
- ✗Not insurance (you pay discounted rates)
- ✗Network varies by region
Кому подойдёт?
Adults who want their current dentist covered
Delta Dental Individual
Delta's network covers 3 in 4 US dentists, giving you the best odds your existing dentist is already in-network.
Health-conscious adults prioritizing preventive care
Cigna Dental 1500
Cigna covers 100% of cleanings and exams from day one with no waiting period, making it ideal for twice-yearly checkup routines.
People with urgent dental work already diagnosed
Spirit Dental No-Waiting Plan
Zero waiting period on root canals and crowns means you can start major treatment on day one, not after a 12-month wait.
Younger adults planning to keep one plan long-term
Humana Dental Loyalty Plus
Humana's annual max grows from $1,500 to $2,000+ by year three for claims-free members, rewarding those who stay enrolled.
Patients with extensive ongoing or multiple dental needs
DenteMax Dental Discount Plan
No annual maximum means your discounts apply even after $2,000 in services, unlike capped insurance plans that stop paying mid-treatment.
Out-of-pocket for the year
Total year-one cost (premium + out-of-pocket on $2,600 of dental services): Delta Dental $1,200, Cigna 1500 $1,150, Spirit Dental $1,050 (no waiting on major), Humana Loyalty $1,300, DenteMax $1,180.
DenteMax (discount plan, not insurance) saves only $400 on the $2,600 of services but premium is much lower. Net cost similar to insurance for first year.
Year-2 difference: insurance plans (Delta, Cigna, Humana) renew with same coverage. Spirit Dental's no-waiting becomes irrelevant after year 1. DenteMax stays cheap but caps out at the discount %.
Waiting period traps
Delta Dental: 6-12 month waiting period for major services (root canal, crown). If you need major work immediately, this won't cover it.
Cigna 1500: 100% preventive immediately, but 6-month waiting for basic services and 12-month for major.
Spirit Dental: ZERO waiting period for major services. The whole reason to pay their higher premium.
Humana Loyalty Plus: 3-month waiting for basic, 6-month for major. Tighter than Cigna.
DenteMax: no waiting periods (it's not insurance — just discounted rates at participating dentists).
Network reality
Delta Dental has the largest US dental network (3 out of 4 dentists). Best chance your current dentist is in-network.
Cigna network is large but smaller than Delta. Pre-check your dentist before signing up.
Spirit Dental works with a smaller PPO network — confirm your dentist is in-network.
Humana has a respectable network but smaller than Delta. Network changes year-to-year.
DenteMax has 290,000+ access points but providers vary by region; pre-check is essential.
