![7+ Best Dental Insurance in Arizona [2024]](https://cdn.prod.website-files.com/5fee3fd14df42836719a4aa2/66dfe3eaa13bb15abf78276a_Screenshot%202024-09-10%20021431.png)
If you’re an Arizona resident wondering if dental insurance is worth the expense, you’re not alone. For many people, dental insurance premiums don’t fit in their household budget. That being said, preventative care is essential for your health and wellbeing. If you have a tooth infection or need a root canal, for example, it’s important to be able to access quality dental care.
Stand-alone Arizona dental insurance for adults, when purchased through the Arizona exchange, can cost anywhere from $10 to $56 per month.
When considering whether or not to get a dental insurance plan, you should consider not just the expense of monthly premiums but also each plan’s coverage. The cost of insurance premiums varies based on what plans cover, their annual maximums, and out-of-pocket costs. You’ll spend more than just the $10 to $56 premium, depending on a plan’s deductible, the amount of coverage for each service, and the types of dental care you need.
Don’t have dental insurance? No need to panic! There are many options for accessing affordable dental care, with or without insurance. Let’s take a look at some of your top options for affordable dental services.
It’s worth asking your current dentist about in-house payment plans or other options for affordable dental care, as they may be able to provide resources to help. They may offer free or low-cost dental care on certain days of the year, or they may have a membership-based dental savings plan for a yearly fee.
If you have a major dental procedure on the horizon, dental financing is another option that can help manage the cost. Some loan servicers offer personal loans to cover the costs of such procedures; they may advertise them as dental loans specifically or as medical loans.
If you take out a personal loan to finance your dental procedure, your loan servicer will set an interest rate and monthly payment, allowing you to access the care you need without delay. Before applying for a loan, determine what monthly payment you can make, compare loan servicers, and get pre-qualified with your bank or loan servicer.
Government and private dental grants offer low-income patients the opportunity to access the medical care they need at no cost. Once granted, there’s no need to pay back a loan servicer or make room in your already tight budget. Grants are often geared toward specific groups or dental procedures, so you’ll need to research the eligibility criteria for various grants to find one that might work for you.
If you’re looking for dental insurance in Arizona, here is a list of the top dental insurance providers in the state.
Delta Dental of Arizona is an insurance provider offering traditional dental insurance plans. They offer accessible dental benefit programs with the aim of promoting oral health for as many people as possible.
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Smart Health Dental is an insurance company dedicated to providing quality dental care to help subscribers save on dental services. They offer multiple insurance and non-insurance plans to help policyholders achieve good dental health.
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Cigna offers plans for medical, medicare, dental, vision, hearing, and supplemental health insurance. Their choices for dental coverage include high annual maximum plans, low-deductible plans, and bundled dental, vision, and hearing plans.
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Humana offers stand-alone insurance plans (i.e., plans not connected to health insurance plans), with plans starting at $18 a month. Potential subscribers can enroll online, and Humana offers customer service application support via phone.
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Ameritas is an insurance provider offering affordable dental, vision, and hearing plans. They offer policyholders access to the Ameritas Dental Network offering 25 to 50% savings on out-of-pocket costs.
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Physicians Mutual offers dental, life, cancer, and pet insurance as well as medicare supplement plans. They offer four dental insurance plans and allow bundling of dental, vision, and hearing coverage.
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Blue Cross Blue Shield Arizona offers a range of dental insurance coverage, from preventative to in-depth care. Subscribers can choose from PPO, HMO, and Prime plans, which are affordable plans offering comprehensive coverage.
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The services dental insurance in Arizona covers depends on the type of plan you have and the insurance company you choose. Some plans only cover preventative services, without more expensive basic and major care coverage. Other plans cover significant portions of the costs for major services, but those plans often require higher monthly premiums.
We know you still have questions about dental insurance in Arizona - and we have answers. Learn more about dental insurance coverage in Arizona as you decide on your best path for affordable dental care.
There are several reputable dental insurance companies that offer plans in Arizona, but if you can’t afford insurance premiums right now, you have other options.
You can ask your current dentist’s office if they offer any discounts or no-cost dental services. Financing, or taking out a loan, is another option to spread out payments for major services over time, or you may be eligible to apply for dental grants.
Many of the top dental insurance companies in Arizona offer more affordable plans. The best and most affordable plan depends on your budget. It’s important to consider all elements of the plans you’re considering, like monthly premiums, what services are covered at that cost, annual deductibles, and annual maximum cost.
Some of the major insurers offering dental coverage in Arizona include:
Check out a breakdown of each of these servicer’s benefits above to learn what services they cover and how much premiums cost.
The best way to save money on dental care is to stay on top of your preventative care visits, but even those services can be out of many people’s budgets. That’s why many plans offer preventative service coverage to varying degrees, so their policyholders can maintain good dental hygiene.
