Best Dental Insurance for Veterans (2024)

Dental insurance for veterans: 6 carriers for stand-alone plans

1. Denali Dental

Denali Dental is a great option if you want to go with a plan that will have a high annual maximum, as you might be able to get one that’s as high as $6,000. This means you can receive expensive dental care with less fear that you’ll hit the limit. Plans also provide coverage for four cleanings annually to help ensure your smile will be bright and beautiful. And Denali is a smart way to go if you want dental insurance for veterans with no waiting period.

2. Spirit Dental

Another wise choice when searching for dental insurance with a high annual maximum is Spirit. You might be able to enroll in a plan with a $5,000 max that could give you peace of mind in the event you need pricey treatments. Plus, you can find plans that don’t have waiting periods, cover three cleanings annually, and let you choose from a large network of dentists.

3. Delta Dental

Delta Dental is an insurance that many dentists accept, so it can be a good choice if you want to be able to select from a wide network of professionals. In addition to that, there are plans that provide benefits which increase each year, up to the third year. And, although there might be waiting periods for basic and major services, you may find plans with annual maximums as high as $2,000.

4. Renaissance Dental

Renaissance Dental plans may come with an annual deductible, but they might also come with a high annual max (up to $3,000). With no waiting periods, options to go out of network, and coverage for preventive cleanings and major services, you might be able to find a policy that suits your needs perfectly.

5. California Dental

If California Dental is available in your area, it’s worth checking them out because you might be able to get a plan with no deductible and a low copay. Other perks may include no waiting periods and an unlimited annual maximum that can help you get expensive care without worrying about being able to afford it all on your own.

6. Argus Dental

Argus is an option to consider when you’re on a budget, as you can find plans that come with an unlimited annual maximum and no deductible. If you have pre-existing conditions, you can enroll in plans without pre-existing condition exclusions, and you can find plans without waiting periods. Plus, with a fee schedule, you’ll know how much a trip to the dentist’s chair will cost before you go.

To receive dental benefits from the VA, you’ll need to qualify for them based on things like your health, income, and military service. The VA will tell you if you’re eligible for this type of coverage, so you need to get in touch with them directly.

The harsh reality is many veterans don’t meet the requirements for this outpatient care. For example, you might only be able to get this type of support if you were a prisoner of war or if you have a disability.

What is VADIP?

VADIP is a program that lets you buy private dental insurance at a discount if you’re a veteran who is receiving VA health care. Current or surviving spouses and dependent children of veterans who are enrolled in the Civilian Health and Medical Program (CHAMPVA) may also qualify.

You won’t qualify for this option if you don’t meet certain requirements. Also, with VADIP, you may have a premium and other out-of-pocket costs, such as a copay, to cover on your own.

Delta Dental for veterans and MetLife Dental for veterans are two companies that provide VADIP plans. You can select a policy and enroll directly.

Can you get high-quality dental for veterans from private insurers?

Absolutely! As discussed above, there are many providers you can choose from when searching for an insurance policy that will cover all of your needs. You might also be pleasantly surprised by the many options available at an affordable price. So, if you don’t qualify for VA dental benefits or VADIP, buying a plan on your own might be exactly what you need.