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Explore the best dental insurance options for your beautiful smile.

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As an independent dental insurance broker, we help you with your quality dental care.

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Skyline Benefit is an independent dental insurance broker offering major dental plans.
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Dental insurance helps reduce the cost of maintaining your oral health — from routine cleanings to major procedures like crowns or root canals.

Most dental plans include:

Preventive care (e.g., cleanings, exams, X-rays)

Basic procedures (e.g., fillings, simple extractions)
Major treatments (e.g., crowns, root canals, dentures)

Many plans cover preventive care at 100%, which encourages routine care and early treatment. Without coverage, dental bills can quickly add up.

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HMO

PPO

EPO

$0 deductible — no need to pay before coverage begins
No annual limit — no cap on how much the plan will pay
Free preventive care — cleanings, exams, X-rays, and sealants
No waiting periods for children
No office copays
Must choose from a limited network of dentists
Referrals required for specialists

If budget is your top priority and you don’t mind staying in-network, a DHMO can offer unbeatable value.

$50 deductible per adult, $75 per child
Free preventive care — including exams, cleanings, sealants, and X-rays
Partial coverage for out-of-network dentists
No referral needed for specialists
No deductibles for preventive/diagnostic services
No out-of-pocket maximum for adults

If you want more dentist options or expect to need specialist care, a DPPO gives you the flexibility without giving up coverage.

DHMO (Dental Health Maintenance Organization)

$0 deductible — no need to pay before coverage begins
No annual limit — no cap on how much the plan will pay
Free preventive care — cleanings, exams, X-rays, and sealants
No waiting periods for children
No office copays
Must choose from a limited network of dentists
Referrals required for specialists

If budget is your top priority and you don’t mind staying in-network, a DHMO can offer unbeatable value.

DPPO (Dental Preferred Provider Organization)

$50 deductible per adult, $75 per child
Free preventive care — including exams, cleanings, sealants, and X-rays
Partial coverage for out-of-network dentists
No referral needed for specialists
No deductibles for preventive/diagnostic services
No out-of-pocket maximum for adults

If you want more dentist options or expect to need specialist care, a DPPO gives you the flexibility without giving up coverage.

$50 deductible per adult, $75 per child
Free preventive care — including exams, cleanings, sealants, and X-rays
Partial coverage for out-of-network dentists
No referral needed for specialists
No deductibles for preventive/diagnostic services
No out-of-pocket maximum for adults

Best for people who don’t use vision services often, or want basic savings without a full policy.

If you want more dentist options or expect to need specialist care, a DPPO gives you the flexibility without giving up coverage.

Best for: More freedom to choose your dentist — with added flexibility for out-of-network care.

Preventive Care – Usually Covered at 100%

Routine preventive services help detect problems early and save you money long term.

Dental cleanings (usually twice a year)
Routine exams
Bitewing and panoramic X-rays
Fluoride treatments
Sealants (especially for children)

Most plans cover preventive care fully with no deductible.

Basic Services – Often Covered 70–80% After Deductible

These are minor procedures that treat common dental issues.

Fillings
Simple tooth extractions
Emergency exams
Periodontal maintenance (for gum disease)

Some plans have no waiting period for basic services — but check plan details.

Major Services – Typically Covered 50% After Deductible & Waiting Period

These higher-cost treatments usually require a waiting period (often 6–12 months).

Crowns and bridges
Root canals
Full or partial dentures
Surgical extractions

Waiting periods can vary by carrier — some plans may waive them with prior coverage.

Pediatric Dental Coverage (For Children Under 19)

Most dental plans include pediatric coverage as part of ACA requirements. These benefits often cover:

Preventive care (cleanings, exams, fluoride treatments)
Cavity treatments and sealants
Orthodontics (if medically necessary)
No waiting periods or deductibles for basic care

Many children’s dental needs are fully covered, especially when enrolled through family or Covered California plans. Coverage levels vary by carrier — we’ll help you compare.

Preventive Care – Usually Covered at 100%

Routine preventive services help detect problems early and save you money long term.

Most plans cover preventive care fully with no deductible.

Basic Services – Often Covered 70–80% After Deductible

These are minor procedures that treat common dental issues.

Some plans have no waiting period for basic services — but check plan details.

Major Services – Typically Covered 50% After Deductible & Waiting Period

These higher-cost treatments usually require a waiting period (often 6–12 months).

Waiting periods can vary by carrier — some plans may waive them with prior coverage.

Pediatric Dental Coverage (For Children Under 19)

Most dental plans include pediatric coverage as part of ACA requirements. These benefits often cover:

Many children’s dental needs are fully covered, especially when enrolled through family or Covered California plans. Coverage levels vary by carrier — we’ll help you compare.

Monthly Premiums

DHMO Plans: Usually the most affordable, with premiums as low as $10–$25/month
DPPO Plans: Offer more provider flexibility, typically $30–$50/month.

Deductibles

DHMO Plans: No deductible — you get coverage right away
DPPO Plans: Often $50/adult and $75/child, but preventive care is usually exempt.

Copays

DHMO: Most services have no office copay, especially preventive care
DPPO: Copays vary depending on the procedure; cleanings and exams are often free.

Annual Maximums

DHMO Plans: Often no annual benefit cap
DPPO Plans: Typically capped between $1,000 and $2,500/year per person.

Out-of-Pocket Maximums

Dental plans generally do not include an out-of-pocket max like medical insurance. You’re responsible for costs above the annual benefit cap.

How Much Does Dental Insurance Cost?

Dental coverage is more affordable than most people think — but costs vary depending on your plan, age, and family size. Here’s a breakdown of what to expect:

Monthly Premiums

Deductibles

Copays

Annual Maximums

Out-of-Pocket Maximums

Dental plans generally do not include an out-of-pocket max like medical insurance. You’re responsible for costs above the annual benefit cap.

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