Dental Plans how much does it cost and what it covers

In an effort to compare various dental plans (PPO and HMO), I've selected a few dental plans from various companies. PPO plans greatly differ from HMO dental plans, but I've included them both for comparison. The cost and rates are based on the average cost/rates in Bay Area as of May, 2016.

Rates are subject to change and vary among providers. Other terms and limitation might apply. Please request the detailed summary of benefits before purchasing any plans. We will be happy to assist with application or explanation of benefits for any of the above or any other dental or medical plans.

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	Cigna Dental Preventative	Blue Shield Enhanced Dental HMO	Blue Shield Dental HMO Plan	Delta Dental HMO	Blue Shield Dental PPO Plan	Delta Dental PPO (plan pays at max after 3 years)
	$26/month	$17.6/month	$21.80/month	$12/month or 91.8/year	$37.4/month	$34.34/month
Deductible	No deductible	No deductible	No deductible	No deductible	$50	$50
Calendar year max	n/a	n/a	n/a	n/a	$1000	$1000
Cleaning	$0	$0	$0	$20	$0	40%
Filling	$132	$20	$18	$25	$37	50%
Crown	$704	$350	$300	$325	$320	0% (first year, then it covers up to 50%)
Molar Root canal	u/k or unpublished	$355	$290	$240	$234	0% (first year, then it covers up to 50%)
Single tooth extraction	u/k	$40	$34	$30	$40	0% (first year, then it covers up to 50%)
Removal of impacted tooth- complete bony	u/k	$225	$125	$230	$113	0% (first year, then it covers up to 50%)
Adult Orthodontics	$4185	$2650	$2650	$2800	$2650	n/a
Child Orthodontics		$2350	$2350	$2600	$2350	n/a
Local anesthesia		$10	$0	$10	$0	u/k
Implants		n/a	$1375	n/a	$612	n/a
Caries Risk Management		$0	$0	$10	$0	60%
Waiting period	n/a	n/a	n/a	n/a	Subject to 6 or 12 month waiting period	Subject to 6 or 12 month waiting period

If you would like to see the detailed comparison of PPO dental vs. HMO dental, please see our post: http://allwealthcarefinancial.blogspot.com/2016/02/comparison-of-dental-hmo-vs-dental-ppo.html