Delta Dental of Utah, MetLife Dental, Cigna Dental, Guardian Dental, and several others are among the top dental insurance providers in Utah for 2025. These companies offer a variety of plans that cover a broad scope of dental diseases and treatments, from preventive care to major dental procedures. Below is a professional overview of the top 11 dental insurance companies in Utah in 2025 and the dental disease coverage each typically provides.
Top 11 Dental Insurance Companies in Utah 2025
1. Delta Dental of Utah
Delta Dental is the leading dental insurer in Utah, known for its extensive network and comprehensive coverage. Their plans usually cover 100% of preventive care such as cleanings and exams. Basic treatments like fillings are covered at 50%-80%, and major procedures including implants and dentures are also covered, often at 50%-60% after deductibles and waiting periods. They offer both PPO and DHMO plans, including DeltaCare USA (DHMO) and PPO options. The plans cover a wide range of dental diseases including cavities, gum disease, and tooth loss, with orthodontic coverage available for children and sometimes adults. Delta Dental is highly rated for customer satisfaction and offers high annual maximum benefits, up to $2,000-$2,500.
2. MetLife Dental
MetLife provides flexible family dental plans with both PPO and HMO options. Coverage includes preventive care, basic and major dental services, and orthodontics. Their plans are designed to accommodate various needs, offering a large network of dentists and discounts for in-network services. They cover common dental diseases such as tooth decay, periodontal disease, and provide treatment for restorative and orthodontic needs.
3. Cigna Dental
Cigna’s family dental plans emphasize preventive care and basic dental services, with options to add coverage for major dental work. Their plans cover dental diseases like cavities, gum infections, and tooth damage. Cigna also offers a large dentist network and discounts for in-network care, making it easier to manage costs while receiving comprehensive dental treatment.
4. Guardian Dental
Guardian Dental offers plans that cover preventive, basic, and major dental services. Their coverage includes exams, cleanings, fillings, root canals, crowns, and orthodontics. Guardian plans are suitable for families and individuals looking for broad dental disease coverage, including periodontal treatment and oral surgery.
5. Medicaid Dental Coverage in Utah
Utah Medicaid provides dental coverage for children under 21, including preventive care, diagnostic services, fillings, and other treatments for dental diseases. For adults 21 and older, Medicaid dental coverage is limited, focusing mainly on emergency dental care and some basic services. The program covers dental diseases such as tooth decay and infections, especially for children, ensuring early intervention and treatment.
6. CHIP Dental Coverage
The Children’s Health Insurance Program (CHIP) in Utah covers dental care for children up to age 19 who do not qualify for Medicaid but come from families with limited income. CHIP covers exams, cleanings, x-rays, fillings, and other dental treatments addressing common pediatric dental diseases like cavities and early gum disease.
7. Aetna Dental® Direct Preferred PPO
Aetna offers PPO dental plans with an annual maximum benefit of $1,250. Their plans cover preventive care at 100%, basic procedures at 80%, and major procedures at 50%. Coverage includes treatment for dental diseases such as cavities, gum disease, and tooth loss, with access to a wide network of dentists in Utah.
8. Renaissance Dental Insurance Plan III
Renaissance Dental provides plans with an annual maximum of $1,000. They cover preventive services fully, basic services at 80%, and major services at 50%. Their coverage includes common dental diseases and treatments like cleanings, fillings, crowns, and root canals.
9. Humana Complete Dental Insurance
Humana’s plans start at about $60 per month with annual maximums increasing from $1,250 in the first year to $1,500 in subsequent years. They cover preventive care fully, and provide coverage for basic and major dental treatments, including periodontal therapy, restorative care, and oral surgery for diseases like gum disease and tooth decay.
10. EMI Health Complete Care DHMO Plan
EMI Health offers the Complete Care DHMO plan, a comprehensive dental program with no deductibles or annual maximums. It covers a broad range of dental services including diagnostic, preventive, restorative, endodontics, periodontics, prosthodontics, orthodontics, oral surgery, and TMJ treatment. This plan covers dental diseases comprehensively, including pre-existing conditions, making it suitable for individuals needing extensive dental care.
11. Anthem Dental (Blue Cross Blue Shield)
Anthem offers dental insurance plans with high coverage limits, up to $2,500 annually. Their plans cover preventive care at 100%, basic care at 60%, and major care at 30%. They cover dental diseases such as cavities, gum disease, and provide orthodontic coverage. Anthem’s plans are known for good coverage but come with relatively high premiums and are available in limited states including Utah.
Scope of Dental Diseases Covered by These Plans
Most top dental insurance plans in Utah cover a wide range of dental diseases and treatments, including:
Preventive Care: Routine exams, cleanings, fluoride treatments, and sealants to prevent dental diseases.
Diagnostic Services: X-rays and oral exams to detect dental issues early.
Basic Dental Care: Fillings, simple extractions, treatment of cavities, and minor gum disease management.
Major Dental Care: Root canals, crowns, bridges, dentures, implants, and treatment of advanced periodontal disease.
Orthodontics: Braces and related treatments, mainly for children but some plans cover adults.
Oral Surgery: Removal of impacted teeth, surgical extractions, and treatment of oral injuries.
Periodontal Treatment: Care for gum diseases including scaling and root planing.
TMJ Treatment: Coverage for temporomandibular joint disorders in some comprehensive plans.
Conclusion
Utah residents in 2025 have access to a variety of dental insurance companies offering plans that cover a broad spectrum of dental diseases. Delta Dental of Utah remains the leader with extensive coverage and a large provider network. Other top providers like MetLife, Cigna, Guardian, and EMI Health offer flexible and comprehensive plans tailored to different needs and budgets. Medicaid and CHIP provide essential dental coverage for children and limited coverage for adults, ensuring access to care for vulnerable populations.
