Find the Best Dental Insurance in Milwaukee, WI

How to choose dental insurance in Milwaukee

No matter the condition of your teeth and gums, having dental insurance in Milwaukee is a smart idea. Most plans cover 100 percent of preventive care, including regular exams and X-rays. If you need dental treatments or procedures, you’ll share the costs with the insurer.

Most people in Milwaukee get dental insurance through an employer, and another sizable segment get it through public programs. If neither is an option for you, it’s possible to buy an individual or family policy from an insurer.

Dental insurance in Milwaukee works similarly to health insurance, with some exceptions. Below are some terms you’ll come across as you look at different policies.

Pay attention to how plans categorize different dental services, and how that affects your out-of-pocket costs. A popular type of plan, known as a preferred provider organization (PPO), often pays for 100 percent of preventive care (with no deductible) and a share of the cost for basic and major services (after a deductible is met). A dental health maintenance organization (DHMO) plan, on the other hand, has fixed copayments for services.

Most dental insurance in Milwaukee has waiting periods ranging from six to 12 months before certain coverages kick in, so don’t wait until you need a filling or root canal to buy a policy.

Before signing up for dental insurance, be sure to check out dental savings plans, an alternative to traditional dental insurance. Members pay a monthly or annual fee and, in return, get cash discounts ranging from 10 - 60 percent at a nationwide network of dentists. With a dental savings plan in Milwaukee, there is no cost-sharing; you are responsible for 100 percent of the bill.

How much is dental insurance in Milwaukee?

In Milwaukee, an individual policy for a 40-year-old who doesn’t smoke costs between $16 and $50 per month. A family of four can expect to pay between $60 and $160 monthly. Dental savings plans in Milwaukee start at $100/year for an individual and $170 for a family.