Delta Dental Insurance continues to be a dominant force in the dental insurance market in Louisiana for 2025, offering comprehensive plans that cover a wide range of dental procedures including tooth extraction, crowns, and treatment for gum disease. This article provides a detailed overview of the top 7 dental insurance companies in Louisiana for 2025, highlighting their key features, coverage options, and how they address common dental needs such as tooth extraction, gum disease management, and restorative treatments like crowns.
Introduction to Dental Insurance in Louisiana 2025
Dental insurance is a critical component of healthcare that helps individuals and families manage the costs of routine and complex dental care. In Louisiana, the demand for quality dental insurance plans is growing, driven by the need for coverage that includes preventive care, treatment for gum disease, tooth extraction, and restorative procedures such as crowns.
Selecting the right dental insurance plan can significantly reduce out-of-pocket expenses and improve access to dental care providers. The top dental insurance companies in Louisiana for 2025 offer a blend of affordability, extensive provider networks, and comprehensive coverage tailored to meet diverse dental health needs.
Top 7 Dental Insurance Companies in Louisiana 2025
1. Delta Dental Insurance
Delta Dental Insurance is widely regarded as the best standalone dental insurance provider in Louisiana. It offers PPO plans that provide 100% coverage for preventive care, including exams and cleanings, with no waiting periods. Basic procedures such as tooth extraction and treatment for gum disease are typically covered at 80% after deductible, while major services like crowns are covered at 50%. Delta Dental’s extensive network ensures access to a wide range of dental specialists and general dentists across Louisiana.
Coverage Highlights: Preventive care at 100%, basic services including tooth extraction and gum disease treatment at 80%, major services such as crowns at 50%.
Network: Large PPO network with flexibility to visit any licensed dentist, though savings are maximized with in-network providers.
Waiting Periods: No waiting period for preventive care; 6 months for basic services; 12 months for major services.
Annual Maximum: $2,000 per year.
Deductible: $50 individual / $150 family.
Special Features: Coverage includes specialty procedures like crowns and root canals, with additional savings on LASIK and hearing benefits.
Delta Dental’s plans are ideal for those seeking comprehensive coverage with strong benefits for tooth extraction, gum disease management, and restorative dental work.
2. Smart Health Dental
Smart Health Dental is known for its no waiting period policy and offers multiple dental insurance and non-insurance plan options. It has a vast network of over 200,000 licensed dental providers nationwide, including many in Louisiana. Smart Health Dental plans cover preventive care at 100%, and provide competitive coverage for basic and major dental procedures such as tooth extraction and crowns. Their plans are particularly attractive for individuals who want immediate coverage without delays.
Best For: No waiting periods and immediate coverage.
Coverage: Preventive care fully covered; basic and major services covered with varying copays.
Network: Extensive national network.
Additional Benefits: Easy enrollment and customer support during business hours.
Smart Health Dental is a strong choice for Louisiana residents who want quick access to dental care without waiting periods.
3. Careington
Careington offers dental savings plans rather than traditional insurance, providing discounts of 20% to 60% on dental procedures including tooth extraction, crowns, and orthodontics. The 500 Savings Plan is popular for its immediate coverage and no age limits. While it is not insurance, Careington’s plan allows access to a large network of participating dentists at reduced fees, making it a cost-effective option for those who want to save on dental expenses without waiting for insurance approvals.
Best For: No annual maximums and immediate savings.
Coverage: Discounts on exams, cleanings, root canals, crowns, and orthodontics.
Network: Large network of participating dentists.
Additional Perks: Unlimited access to eDocAmerica for dental questions.
Careington is ideal for those seeking affordable dental care with flexible access to providers and no waiting periods.
4. Blue Cross and Blue Shield of Louisiana (BCBSLA)
BCBSLA offers stand-alone dental plans with comprehensive coverage for preventive, basic, and major dental services. Their plans cover tooth extraction and crowns, with options for both PPO and HMO networks. BCBSLA is known for its strong customer service and extensive provider network within Louisiana.
Coverage: Preventive care at 100%, basic services including tooth extraction at 80%, major services such as crowns at 50%.
Network: Large in-state network with PPO and HMO options.
Additional Benefits: Pediatric dental coverage compliant with ACA requirements.
BCBSLA is a reliable choice for Louisiana residents seeking a balance of coverage and network access.
5. Humana Dental Insurance
Humana provides dental insurance plans with a focus on preventive care and treatment for gum disease. Their plans cover routine cleanings, exams, and periodontal maintenance, which is essential for managing gum disease. Humana also covers basic procedures like tooth extraction and major services including crowns, with competitive premiums and a large provider network.
Coverage: Preventive care at 100%, basic services including tooth extraction at 80%, major services such as crowns at 50%.
Gum Disease Treatment: Coverage includes periodontal cleanings and maintenance.
Network: Extensive national network with many providers in Louisiana.
Additional Features: Educational resources on gum disease treatment and prevention.
Humana is well-suited for individuals focused on maintaining gum health alongside general dental care.
6. Renaissance Dental
Renaissance Dental offers a variety of dental insurance plans with broad coverage for preventive, basic, and major dental services. Their plans include coverage for tooth extraction, crowns, and treatment for gum disease. Renaissance is known for its large provider network and flexible plan options, making it a competitive choice in Louisiana.
Coverage: Preventive care fully covered; basic and major services covered with copays.
Network: Large network with many participating dentists.
Additional Benefits: Plans available through the health insurance marketplace.
Renaissance Dental is a solid option for those seeking comprehensive dental coverage with flexibility.
7. Guardian Dental Insurance
Guardian offers dental insurance plans with strong coverage for preventive care, tooth extraction, crowns, and gum disease treatment. Their plans include access to a large network of dentists and provide benefits that support both routine and complex dental procedures.
Coverage: Preventive care at 100%, basic services including tooth extraction at 80%, major services such as crowns at 50%.
Network: Extensive provider network.
Additional Features: Orthodontic coverage available on select plans.
Guardian is a dependable choice for Louisiana residents looking for well-rounded dental insurance coverage.
Key Dental Procedures Covered by Top Louisiana Dental Insurance Plans
Tooth Extraction
Tooth extraction is a common dental procedure often required due to decay, infection, or gum disease. Most top dental insurance plans in Louisiana, including Delta Dental, cover tooth extraction as a basic service, typically reimbursed at 80% after the deductible. Coverage ensures that patients can access necessary extractions without prohibitive out-of-pocket costs.
Gum Disease Treatment
Gum disease, or periodontal disease, is a leading cause of tooth loss in adults. Effective treatment includes regular cleanings, scaling and root planing, and sometimes surgery. Leading insurers like Humana and Delta Dental provide coverage for periodontal maintenance and treatment, often classified under basic services with 80% coverage after deductible. Early treatment coverage helps prevent progression and costly complications.
Crowns
Crowns are restorative dental procedures used to repair damaged or decayed teeth. They are generally covered as major services by dental insurance plans, with coverage levels around 50% after deductible. Delta Dental and other top insurers include crowns in their major services category, helping patients restore function and aesthetics affordably.
Why Delta Dental Insurance is a Top Choice in Louisiana
Delta Dental’s combination of comprehensive coverage, extensive provider network, and high customer satisfaction makes it the top dental insurance company in Louisiana for 2025. Its plans cover essential procedures such as tooth extraction, gum disease treatment, and crowns with competitive reimbursement rates and manageable deductibles. The flexibility to visit any licensed dentist, along with no waiting periods for preventive care, enhances its appeal.
Conclusion
Choosing the right dental insurance in Louisiana for 2025 requires careful consideration of coverage options, network size, premiums, and specific dental needs such as tooth extraction, gum disease treatment, and crowns. The top 7 dental insurance companies—Delta Dental, Smart Health Dental, Careington, Blue Cross and Blue Shield of Louisiana, Humana, Renaissance Dental, and Guardian—offer a range of plans that cater to diverse budgets and dental care requirements. Delta Dental Insurance stands out for its comprehensive benefits and strong network, making it the preferred choice for many Louisiana residents seeking quality dental coverage.
