According to one study² the average cost of medical insurance premiums for one person is around $450 a month, and it can cost over $1100 per month to insure a whole family. But the average dental insurance premium is usually between $15 and $50³, a month, and may be slightly more to cover a whole family.

We award Delta Dental a final rating of 3 out of 5 stars. The carrier has several decades' worth of experience in the insurance industry and is highly rated by AM Best and the BBB. Their products are offered nationwide through independent agencies.

Budget-strapped state legislatures tend to think of dental care as expendable. Many Medicaid programs do not offer adult dental benefits or only cover a limited number of services. Fortunately, New Jersey does provide dental services to this population.

Horizon Family Grins provides comprehensive coverage for children — an Affordable Care Act (ACA) requirement — and their parents or guardians. Both Horizon Family Grins and Horizon Family Grins Plus offer access to the Horizon PPO Network, an extensive network of dentists.