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Dental Insurance Coverage for Individuals and Families

A dental plan through Hummingbird Insurance can help you take care of everything from the smallest dental issues to the most serious dental treatments, at an affordable price. We offer several options for your dental insurance coverage in North Carolina, including some not listed below. Ask us about any type of dental insurance coverage you don’t see on this page.

The Value of Dental Insurance

Dental insurance helps you protect your oral health with routine dental cleanings, sealant and fluoride treatments, and other preventative and restorative care procedures. Although taking care of your teeth and gums at home through routine brushing and flossing is great, using the services of a dental professional is crucial to restoring and maintaining your dental health and a healthy smile.

If you have no dental insurance you are probably less likely to visit a dentist for dental care. Also, waiting until a dental issue become a bigger problem will tend to result in the need for a more involved and more expensive dental solution. In addition, certain major health issues resulting from poor oral health, including diabetes and heart disease, are more likely to develop in individuals without dental insurance.

We Help You Get Dental Coverage That Fits Your Budget

We offer NC dental insurance plans that include various levels of benefits to help you find the best option to match your budget. Dental plans can help you reduce your dental care costs over the long term, because failing to receive routine dental cleanings and other treatments can result in much more expensive oral care down the road.

Get Dental Insurance in NC

Our team at Hummingbird Insurance is here to help you find the perfect dental plan to cover your oral health needs in North Carolina. For more information, or to arrange a consultation, give us a call today at 855.720.2473, or reach us by email at hello@hummingbirdins.com.

Hummingbird Insurance has several options for dental coverage, including some not listed below. Please ask us for anything that you don’t see.

Explore your options for dental coverage below:

Spirit Dental

Spirit Dental offers immediate coverages, including implants, and calendar-year building benefits. That is, ‘Year 2’ begins the very next January 1st (2018 currently). Benefits and the network are administered by Ameritas Dental, the 2nd largest network nationally.

Get a Spirit Dental quote or enroll

  • No Waiting Periods
  • Choose Your Own Dentist Option
  • Three Cleanings Per Year
  • Implants and Major Services Covered
  • Lifetime Deductible
  • Up to $5,000 Annual Maximum
  • 30 Day Satisfaction Guarantee
  • Every day effective dates
  • Optional Vision Insurance Available

Cigna Dental

Cigna Dental has affordable PPO (‘go where you want’) plans for individuals and families.
All plans include cleanings 2x per year and have an annual deductible.
Standard waiting periods of 0, 6 and 12 months apply without prior coverage.
Annual benefit limits of $1,000 or $1,500 per person.
Effective dates are the 1st of each month.
Orthodontia is covered; implants are not. 

Get a Cigna Dental quote or enroll online

Delta Dental of NC

Delta Dental of NC boasts the largest network nationally.

There are 4 plan options available, currently starting at $20.20/mo in WNC for an individual.

Get a Delta Dental of NC quote or enroll

Specific Benefits or Policy Questions?

Each carrier’s benefits department is knowledgable to the specific benefits of each policy.

Please contact us if you have any trouble getting the information you need.


A few Frequently Asked Questions (FAQs):

My current dentist is not a provider. Will the insurance company pay anything on my claim?

Each carrier has an extensive list of participating providers. Visiting a participating provider may help to reduce your out-of-pocket expenses. However if you choose to see a dentist who is not a participating provider or is out-of-network, you still may be eligible for partial reimbursement.

I have never used my plan before, how does it work?
Using your dental benefits is easy. Schedule an appointment with a listed network provider or your preferred dentist. When visiting network participating dentists, they will file the claims for you. We welcome the opportunity to help you learn what your benefit options are as well as help you locate a participating provider in your area.
Please contact Hummingbird Insurance directly with other questions.