Dental insurance is essential for managing the costs of dental care, which can range from routine cleanings to complex procedures. In Virginia, several dental insurance providers offer plans that cover a wide scope of dental diseases and treatments. This article introduces the top nine dental insurance companies in Virginia for 2025, highlighting the extent of dental disease coverage each offers. The goal is to help consumers make informed decisions about dental insurance options that best fit their needs.
Top 9 Dental Insurance Companies in Virginia 2025
1. Delta Dental of Virginia
Delta Dental is widely recognized as the leading dental insurance provider in Virginia and across the United States. It offers a variety of plans, including individual, family, and employer-sponsored options. Delta Dental plans typically cover preventive care (cleanings, exams, X-rays) at 100%, basic restorative services (fillings, root canals) at 50-80%, and major restorative services (crowns, bridges, implants) at 50% after deductibles and waiting periods are met.
Scope of coverage:
- Preventive and diagnostic services
- Basic restorative care such as fillings and root canals
- Major restorative procedures including crowns, bridges, and implants
- Orthodontics, especially for children and medically necessary cases
- Periodontal treatments for gum diseases
Delta Dental is noted for its high annual maximum benefits ($2,000 to $2,500), extensive provider network, and relatively low complaint rates, making it a top choice for comprehensive dental coverage.
2. Anthem Blue Cross Blue Shield
Anthem offers individual and family dental insurance plans in Virginia, covering preventive care like cleanings and exams, basic procedures such as fillings, and major treatments including crowns and root canals.
Scope of coverage:
- Preventive care at 100%
- Basic services at approximately 60%
- Major dental care at around 30-50%
- Orthodontic coverage for children up to age 19, including medically necessary treatments
Anthem’s plans often feature competitive coverage limits, with some plans offering annual maximums up to $2,500.
However, premiums can be higher compared to other providers, and availability may be limited to certain regions.
3. United Concordia (University of Virginia Dental Plan)
United Concordia administers the University of Virginia Dental Plan, which offers two options: Basic Dental and Enhanced Dental. Both provide 100% coverage for preventive and diagnostic services without requiring a deductible. The Enhanced Dental option includes orthodontic benefits and higher coverage for major restorative services like crowns and bridges.
Scope of coverage:
- Preventive and diagnostic care at 100%
- Primary services such as fillings and periodontal care
- Major restorative services with enhanced coverage in the higher-tier plan
- Orthodontics available in the Enhanced Dental plan, primarily for children and adolescents
This plan is tailored for university employees and affiliates, offering broad coverage with an emphasis on preventive care.
4. EMI Health
EMI Health offers several dental plans through the Virginia Health Insurance Marketplace. Their PPO plans vary in coverage levels and waiting periods but generally cover preventive services at 100%, basic services at 50-80%, and major services at 25-50% depending on the plan selected.
Scope of coverage:
- Preventive services including exams and cleanings
- Basic procedures like fillings and simple extractions
- Major restorative services such as crowns and dentures
- Orthodontics for children, with coverage varying by plan
EMI Health plans feature deductibles and waiting periods for basic and major services but provide no waiting periods for preventive care.
5. Aetna Student Health Dental Plan (Virginia Tech)
Aetna offers a student dental plan for Virginia Tech students, covering diagnostic and preventive care at 80%, and basic restorative care at 60%. Orthodontic treatments are not covered under this plan.
Scope of coverage:
- Diagnostic and preventive services (exams, cleanings)
- Basic restorative care such as fillings and root canals
- Limited coverage for periodontal services
- No orthodontic coverage
This plan is designed for students, focusing on essential dental services with moderate coverage limits.
6. Careington Dental Discount Plan
Careington provides a dental discount card rather than traditional insurance, with a low monthly fee and no deductible. It offers discounts on a wide range of dental services including preventive care, fillings, crowns, and orthodontics.
Scope of coverage:
- Discounts on preventive and diagnostic services
- Discounts on restorative and major dental procedures
- Orthodontic treatment discounts for eligible members
This plan is suitable for individuals seeking affordable access to dental care without insurance premiums or waiting periods.
7. DentaQuest
DentaQuest offers PPO dental insurance plans in Virginia with coverage that includes 100% preventive care, 50% for basic care, and 30-50% for major care after deductibles. The annual maximum benefit is typically $1,250, with an 18-month waiting period for major procedures such as root canals.
Scope of coverage:
- Preventive services fully covered
- Basic restorative care including fillings
- Major dental procedures with partial coverage
- Orthodontic coverage varies by plan and location
DentaQuest is known for good customer satisfaction and reasonable premiums, though coverage limits are lower than some competitors.
8. Renaissance Dental
Renaissance Dental offers PPO plans with premiums on the higher end but provides comprehensive coverage for preventive, basic, and major dental services. Their plans often include orthodontic benefits and have annual maximums comparable to other top insurers.
Scope of coverage:
- Preventive care at 100%
- Basic and major restorative services with substantial coverage percentages
- Orthodontic treatment for children and medically necessary cases
This provider is suited for those seeking extensive dental coverage and willing to pay higher premiums.
9. Ameritas
Ameritas provides PPO dental plans such as the Hollywood Smile Premier 1500, which offers competitive premiums and coverage. Preventive care is covered fully, with basic and major services covered at varying percentages depending on the plan.
Scope of coverage:
- Preventive care including cleanings and exams
- Basic restorative procedures like fillings and root canals
- Major dental services including crowns and dentures
- Orthodontic coverage for eligible members
Ameritas plans balance affordability with broad coverage, making them a popular choice in Virginia.
Conclusion
Choosing the right dental insurance in Virginia depends on your specific dental care needs, budget, and preferences. Delta Dental stands out for its extensive coverage and high annual maximums, making it ideal for comprehensive care including implants and orthodontics. Anthem and United Concordia also offer strong coverage with various plan options. For students, Aetna provides tailored plans focusing on essential care. Discount plans like Careington offer affordable alternatives without traditional insurance structures.
Understanding the scope of dental diseases and treatments covered by each insurer helps consumers select plans that protect against common dental issues such as cavities, gum disease, root infections, and the need for orthodontics or implants. Comparing premiums, deductibles, waiting periods, and maximum benefits is crucial to finding the best value in dental insurance in Virginia for 2025.
