Dental Insurance in Minnesota – Top Options and Resources

BY Dr. McDowell  |  May 12th, 2021
Dr. McDowell
Dr. McDowell has always been focused on using the latest technology to improve the patient experience. From radiation-free imaging to laser dentistry, he has always been ahead of the curve and is dedicated to improving the practice of dentistry one ..

When it comes to dental work, finding the right insurance can really help you save money and ensure that you get the right coverage. Dental work can be very expensive, but with the right insurance and a trustworthy dentist, you won’t have to worry about paying an arm and a leg to get your teeth cleaned.

At Wayzata Dental, we understand that dental work can be expensive, and we want to offer the best care we can for the lowest cost possible for our patients. That’s why we’re breaking down everything you need to know about dental insurance today!

Best Dental Insurance in Minnesota

Is Dental Insurance Required in Minnesota?

First off, it’s important for you to know whether or not you’ll be required to have dental insurance in Minnesota. You might like to know that dental insurance isn’t required in the state of Minnesota as of right now. Because dental insurance isn’t required, almost 25% of Americans have chosen not to pay for it.

This has caused dental providers to get creative with how they offer dental care to both kids and adults. If dental practices want more patients to come to their practices, they’ll need to offer payment plans and options for those who can’t afford insurance.

Best Dental Insurance in Minnesota

Here’s a list of some of the best dental insurance providers throughout the state of Minnesota. Note that most of these providers don’t just offer dental insurance but instead combine dental with health insurance.

Delta Dental

Delta Dental is one of the nations leading dental insurance providers. They provide plans for individuals, families, small and large businesses, and retirees. At Delta Dental, their mission is to ensure that America gets the dental care that they need.

Be sure to check out their website because they offer a number of great resources, including a tool that helps you find the average cost of procedures based on your location.

Guardian Direct

Guardian Direct has been around for over 160 years. That’s a long time for any insurance provider but especially for dental insurance. Guardian Direct is not only one of the longest-standing insurance companies in the United States, but it’s also one of the cheapest. Some of their plans start at just $20 a month. That’s only $240 a year for dental insurance. Some of their less involved plans can even go for less than $10 if you qualify.


As one of the larger health insurance providers in all of the country, UnitedHealthcare has been providing health and dental insurance for years. Many of those that benefit from these plans have spoken highly of the service this insurance company provides.

Check out their website for a number of different insurance options.


As a smaller company, Cigna is able to offer great rates to its customers. Some dental plans start at as low as $19 per month per person. And with access to over 297,000 convenient locations throughout their nationwide network, there are few reasons not to give Cigna a try.


Ameritas offers a number of different insurance options, plans, and investment plans so that you can build a successful future for your family. Ameritas insurance plans are great for companies and employee benefits. If you’re looking for an insurance plan that is all-encompassing, then be sure to look into Ameritas.

Renaissance Dental

Offering health, vision, and dental insurance, Renaissance is giving back to its customers by offering great service. They also have many great charitable outlets where they can assist children, seniors, and veterans who wouldn’t otherwise have the healthcare they need.

Spirit Dental

Spirit Dental only offers dental and vision making them a specialized service for those that are looking to add dental, vision, or both to their current health insurance coverage.

Both dental and vision can be a huge benefit to those that choose to use purchase it. There are several situations where it can really pay off to have dental and vision insurance. And, if you’re someone that needs this care often, it will also save you a lot of money.

Humana Dental Insurance

Human offers great dental insurance at a budget-friendly rate with low office-visit copays. Their plans are customizable based on your needs, age, and state. You’ll be able to choose three different plans that offer different benefits based on your desired dental care and visit frequency.

The right dental plan is out there for you. Finding it might seem like a challenge at first, but one of the best things that you can do is reach out to your friends and family members for referrals.

Insurance coverage can seem confusing at first, but never be afraid to ask questions in order to learn more about what the plans offer for you.

Dr. McDowell
Dr. McDowell has always been focused on using the latest technology to improve the patient experience. From radiation-free imaging to laser dentistry, he has always been ahead of the curve and is dedicated to improving the practice of dentistry one ..

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