Denali Dental Plans Review

Top10.com StaffByTop10.com StaffMar. 28, 2019

In a Nutshell

Denali Dental offers coverage for all the dental work you might need, including preventative, diagnostic, and both basic and major services. Backed by incredible reviews from long-time users and high ratings online from everything from Google Reviews to an A+ BBB rating, Denali Dental really sounds like a good deal. But what are the prices like, the downsides involved, and the caveats to consider? Find out below.

pros

  • Annual caps increase every year
  • In- and out-of-network dentists covered

cons

  • First-year coverage can be low
  • Pricing structure is a little confusing

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Best for

  • People who need coverage right away
  • People who have a dentist they already use and like

Top Features

Denali Dental strives to make dental insurance as affordable and convenient for as many people as possible. With 13.1 million customers, it seems like it’s doing a good job. Denali Dental offers several coverage plans to choose from and has some of the highest yearly limits around. The best part is that your annual coverage grows every year you are with Denali Dental. That means you’ll receive more coverage for the second year than you did in the first year, more coverage in the third year than you did in the second, etc., up to $6,000 in the fourth year (and following years).

  • Good coverage

What’s more, Denali Dental provides much broader coverage than some services. For example, many other dental insurance providers cap your cleanings each year at 1 or 2, but Denali Dental lets you get up to 4 cleanings each year covered by the insurance. It also covers child and adult orthodontics, and other lesser-covered procedures.

  • Out-of-network dentists

The biggest perk for some people though is the out-of-network coverage. This allows customers to go to their regular dentists and still enjoy insurance coverage for many of the procedures. The insurance will be less than if you went to an in-network dentist, but for families who already have a dentist they enjoy working with, this is a big benefit.

  • Lifetime deductible

Easily the most attractive perk for most people will be the lifetime deductible cap. The way it works with other dental insurance providers is with a recurring deductible. This means you’ll have to pay a certain amount of money before your insurance kicks in. This might be a per-visit charge or an annual fee, but the deductible is always required before you can get coverage from your insurance. Denali Dental does something dramatically different. It charges you a lifetime deductible. That means once you’ve paid your dues, you’ll never have to pay again for the entire time you have coverage with Denali Dental. Deductibles are between $100-$250 depending on the plan and dentist being used, but that’s a one-time fee. That is really generous.

Here are some of their excellent features:

  • Guaranteed acceptance
  • Out-of-network dentists covered
  • Lifetime deductibles
  • Immediate coverage plans
  • Includes orthodontic services
  • A+ with the Better Business Bureau
  • Four cleanings per year
  • No waiting periods
  • Vision care bundles available

Who is Eligible?

Another major benefit of using Denali Dental is the eligibility policy. This dental insurance provider guarantees coverage to anyone who applies. It makes no difference how old (or how young) you are, what kind of medical conditions you are coming in with, or how bad your teeth are. Denali Dental has got you covered.

What it Covers

Denali Dental covers all of the usual dental treatments along with a few extras. Here is a list of dental procedures you can expect to get covered by your plan:

  • Basic treatments
  • Preventative treatments
  • Root canals
  • Dentures
  • Bridges
  • Implants
  • Child orthodontics
  • Basic fillings
  • Prosthetic services
  • Restoration services including inlays, onlays, and crowns
  • Periodontic services
  • Endodontic treatment
  • Oral surgery
  • X-rays including panoramic, full, or bitewing
  • Extractions
  • Space maintainers
  • Sealants
  • Topical fluoride treatments

In addition, vision care is also available for all plans at an additional fee.

Why it’s Good for Families

Aside from the fact that Denali Dental is a family-oriented company (started and run by a father and son team), this dental insurance provider makes family dental plans affordable. Instead of making you pay per person covered under your plan, Denali Dental offers a family plan that keeps the monthly premiums low and individual dental visits reasonable. Since raising a family can require frequent visits to the dentist, this is a major benefit.

Why it’s Good for Students and Seniors

Denali Dental is ideal for seniors because it is affordable and can even be paid for on a limited budget. What’s more, there is no age limit when it comes to these plans; everyone gets coverage. Denali Dental also covers certain dental procedures that often get left off of the benefits list with other providers. For example, orthodontics, both children and adults, are covered under these policies. This is helpful for seniors who need to get bridges, dentures, and other orthodontic work done. The no-wait period is also helpful for seniors who are in need of assistance immediately.

Students will appreciate that they can be covered under their parent’s dental plans. This way, they can take care of their teeth and focus on their studies instead of worrying about how to pay for a pricey dentist visit.

Which Areas is it Available in?

Denali Dental has dentists all across the country. You can get dental care in one of the more than 300,000 locations. Check with your local dentist to find out if they take Denali Dental.

Policy Types and Prices

Denali Dental offers 3 comprehensive dental plans that can work with different budgets and needs. In terms of the industry, Denali Dental is really competitive. Plus, the lifetime deductibles and max coverages put these plans way at the top of the charts.


Summit
Peak
Ridge
Single Adult Plan
$44.84-$104.23
$33.22-$80.41
$27.95-$57.30
Couples Plan
$87-$202.93
$63.40-$154.56
$53.86-$110.40
Family Plan
$149.82-$346.71
$99.95-$244.49
$89.65-$188.77
Deductible
$100 lifetime in-network
$200 lifetime out-of-network
$250 lifetime

$100 lifetime in-network

$200 lifetime out-of-network

Preventative Services
100%
80%
100%
Diagnostics Services
50%, 75%, 90%
50%,60%, 70%, 80%
50%, 60%, 70%, 80%
Basic/Major Services
30%, 40%, 50%, 60%
30%, 40%, 50%, 60%
10%, 25%, 40%, 50%

Maximum coverage increase with every year that you have a plan with Denali Dental. For the first year, you’ll have a max coverage of $1,200. This isn’t as much as you’ll get with some programs, but it’s more than you’ll get with others. Plus, the second year it already almost doubles to $2k. By the third year, you'll get a max coverage of $3,500, and the fourth year entitles you to a whopping $6,000. So Denali Dental provides a staggering amount for your dental needs.

Application Process

Denali Dental has a simple online application form. Fill in your details, choose the plan you want, enter your payment details, and that’s it. You’re automatically accepted thanks to the eligibility guarantee. Coverage begins as soon as your policy is approved (either on the 1st or the 15th of the month).

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Customer Service

Denali Dental offers both email and phone support available during normal business hours. You can fill out the online contact form or call 1-844-TEETH-40. What’s surprising though is that Denali Dental even has live chat available during business hours as well.

Bottom Line

Denali Dental comes with over 60 years of experience in the dental insurance industry. That’s a lot of time to build a reputation for delivering solid dental coverage at affordable prices. With low lifetime deductibles, high annual coverage, and wider coverage than most of the competition, it’s easy to see why millions of Americans choose Denali Dental.

Top10.com StaffByTop10.com StaffJun. 18, 2019
Our editorial staff is comprised of writers who are knowledgeable about consumer financial services. We specialize in simplifying the process of choosing a dental plan provider.
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