Best Life Insurance is more than a life insurance provider. While the company’s name reflects its origins in life coverage, it has built a significant presence in the dental insurance market as well.
Through employer-sponsored benefits, broker-distributed plans, and enrollment via public exchanges, Best Life delivers dental coverage designed to meet the everyday needs of working individuals and their families.
Comprehensive Coverage Design
Best Life dental insurance is structured to help manage both routine and unexpected dental expenses. At the foundation is preventive care. Cleanings, exams, and diagnostic X-rays are often covered in full when members use in-network providers. By eliminating or greatly reducing cost barriers for these services, Best Life encourages early intervention and consistent oral health maintenance.
Coverage then extends into basic services, which typically include fillings, simple extractions, and periodontal maintenance. These are usually covered at a partial rate, with the member responsible for a portion of the bill through coinsurance or copayments. Major services, such as crowns, bridges, dentures, or complex oral surgery, are reimbursed at a lower percentage.
Some plans also include orthodontic benefits, especially for dependents. These benefits often come with separate annual or lifetime maximums. Cosmetic procedures, such as whitening, are generally not included, though coverage depends on the specific employer or broker offering.
PPO Structure and Flexibility
Best Life primarily delivers dental benefits through PPO (Preferred Provider Organization) plans. This means members have the flexibility to see any licensed dentist, but they save the most when they choose in-network providers who have agreed to discounted rates. That discount applies before insurance coverage is calculated, further lowering out-of-pocket costs.
For families who already have a trusted dentist, PPOs provide an important balance: freedom of choice combined with meaningful cost savings. Out-of-network care remains an option, though reimbursement rates are typically lower and members bear more of the bill.
Cost-Sharing and Plan Features
Like most dental insurance, Best Life uses a cost-sharing model. Members pay a monthly premium, and then share costs with the insurer through deductibles, copays, and coinsurance. Preventive services often bypass the deductible, which makes it easier to stay current with cleanings and checkups. Basic and major services apply the deductible first, after which the insurer pays a percentage of the cost.
Employers frequently bundle Best Life dental coverage with life insurance options during open enrollment, presenting employees with a side-by-side choice of benefits. Brokers can also match individuals or families with standalone dental plans. Once enrolled, members have access to online tools where they can review benefits, check claims, estimate treatment costs, and locate in-network dentists.
The Takeaway
Best Life Dental Insurance is structured to make oral healthcare more predictable and affordable. By emphasizing preventive coverage, offering flexibility through PPO networks, and providing support for everything from fillings to crowns, Best Life positions its dental plans as both practical and accessible. Members gain not only financial protection against high-cost procedures but also the tools to maintain long-term oral health.
For individuals reviewing benefits at work or through a broker, the message is simple: dental insurance from Best Life helps you manage everyday expenses while protecting against the unexpected. It is a product built for today’s needs, with an eye toward a healthier tomorrow.