Best Dental Insurance With No Annual Maximum Benefit

Why You Should Trust Us

Investopedia staff editors and researchers pore over data from insurance providers and other credible sources to provide objective, comprehensive reviews and analysis. For the list of the best dental insurance companies with no annual maximum, we considered six plans and 34 criteria that are important when choosing a dental insurance policy. After collecting 204 data points related to premiums, waiting periods, coverage amounts, deductibles, and much more, we scored and weighted the data to determine the best providers. 

Investopedia has been a trusted source for financial information since 1999 and has been helping readers find the best dental insurance since 2020. 

How We Chose the Best Dental Insurance Companies With No Annual Maximum

Investopedia’s process for finding the best providers starts with narrowing the field of companies to consider. For that, we combed through business and industry data about market share and trends and tapped Google reviews to understand consumer sentiment about the industry and specific insurers. We did not consider plans that have to be bought with health insurance through a state or federal marketplace.  

This analysis narrowed our focus to five key companies offering six dental plans with no annual maximum for preventive, basic, and major care to individuals. While most of these plans are HMOs, two are PPOs, and we included one on this list for people who prefer to choose from a wider network of dentists.

We collected data from the National Association of Insurance Commissioners (NAIC), a regulatory support organization that maintains a database of customer complaints. We also gathered data directly from companies via websites, media contacts, and existing partnerships. The data collection process took place between Oct. 9, 2023 and Dec. 23, 2023. 

We then developed a quantitative model that scored each dental insurance provider based on 34 criteria that fall into six major categories and are crucial in evaluating the company’s offerings and benefits. We weighted the five categories as follows for this article:

• Coverage: 50%
• Cost: 25%
• Customer Satisfaction: 10%
• Plan Availability: 10%
• Customer Service Features: 5%
• State Availability: 5%

To learn more about our process for finding the best dental insurance companies, read our full methodology.