Here in NH there are several insurers that market to individuals. According the NH Insurance Department there are 12 insurers that sell dental insurance to individuals and families in NH. See full list of NH Dental insurers and their contact info here.
3 Reasons that I suggest buying NH dental insurance off the exchange:
1. More Choices - In NH, on the exchange there are only 5 dental plan designs listed in Hillsborough County. Off exchange Delta offers individuals 6 different dental plans and Ameritas offers 9 dental plan designs.
2. In NH Annual Dental Insurance Maximums are Lower on the Exchange. For adults on the exchange the highest annual maximums are $1000 per person, however Off exchange insurers offers plans that have $2000 annual maximums.
3. More Insurers- On exchange there are only 2 dental insurers that market- off the exchange there are 12 different companies that sell individual NH dental insurance.
Overview of NH Dental Insurance
When it comes to dental insurance coverage there are three common classifications that insurers use:
Most insurers will include Oral Exams, Cleanings, Cancer Screenings and x-rays. Fluoride treatments and sealants for children are often covered in this category.
For most insurers, this category covers fillings, extractions,and emergency or palliative care.
Expect to find more costly items covered under the MAJOR category. These services will include gum disease treatment (perio), root canal therapy (endo), crowns, dentures and denture repair.
Two popular dental insurers in NH are Northeast Delta Dental and Ameritas. They offer dental plans to individuals, employer groups and even the Medicare population. To get quotes for individual NH dental insurance plans click on links below:
NORTHEAST DELTA DENTAL CLICK HERE TO GET QUOTE or APPLY
Ameritas Life CLICK HERE TO GET QUOTE or APPLY
Some of the Ameritas plans include VISION coverage for vision exams AND eyeglasses.
If you have questions about your NH Dental Insurance plan, or need help enrolling in a NH or MA Dental insurance coverage please contact Steve Donohue NH dental insurance specialist at 603-882-2909.