Best Dental Insurance Plans in Arizona: A Detailed Comparison
Best Dental Insurance Plans in Arizona: A Detailed Comparison
As a licensed insurance agent at Blake Insurance Group, I understand the importance of having a reliable dental insurance plan that meets both your budget and oral healthcare needs. Whether you’re looking for a plan to cover routine cleanings or major dental procedures, selecting the right coverage can save you money and provide peace of mind. In this guide, we’ll explore Arizona’s best dental insurance plans, including coverage options, costs, and customer ratings.
Dental Insurance Cost Calculator
Overview of Dental Insurance
Dental insurance plays a crucial role in maintaining good oral health by covering preventive care, basic treatments, and major procedures. Most plans follow a tiered structure, providing different levels of coverage based on the type of service. Unlike medical insurance, dental policies typically have annual maximums and may require waiting periods for major treatments.
Criteria for Selecting the Best Dental Plans
When comparing dental insurance options in Arizona, it’s essential to evaluate several factors:
- Coverage Options – Does the plan cover preventive, basic, and major dental services?
- Network of Dentists – Are your preferred providers in-network to maximize savings?
- Premium Costs – Is the monthly premium affordable based on your budget?
- Deductibles and Co-Payments – How much will you need to pay out-of-pocket?
- Annual Maximums – Does the plan provide sufficient coverage limits for your needs?
- Waiting Periods – Are there waiting periods for major procedures?
Top-Rated Dental Insurance Providers in Arizona
Here’s a look at some of the best dental insurance providers offering coverage in Arizona:
Delta Dental of Arizona
✔ Coverage: Preventive (100%), Basic (80%), Major (50%)
✔ Network Size: Largest network in Arizona
✔ Annual Maximums: $1,000 – $2,000
✔ Waiting Periods: Varies by plan
✔ Customer Rating: Highly rated for its extensive provider network and claim processing
Cigna Dental
✔ Coverage: Preventive (100%), Basic (80%), Major (50%)
✔ Network Size: 90,000+ dentists nationwide
✔ Annual Maximums: $1,500 – $3,000
✔ Waiting Periods: Some plans have no waiting periods
✔ Customer Rating: Affordable, flexible plans with good customer satisfaction
MetLife Dental
✔ Coverage: Comprehensive options for individuals and families
✔ Network Size: Large nationwide network
✔ Annual Maximums: $1,000 – $2,500
✔ Waiting Periods: 6-12 months for major services
✔ Customer Rating: Positive feedback for employer-sponsored plans
Humana Dental
✔ Coverage: Preventive, Basic, and Major services
✔ Network Size: 270,000+ providers
✔ Annual Maximums: Up to $1,500
✔ Waiting Periods: Varies by plan
✔ Customer Rating: Affordable options with strong customer support
Aetna Dental
✔ Coverage: Preventive, Basic, and Major work
✔ Network Size: Extensive national network
✔ Annual Maximums: $1,250 – $3,000
✔ Waiting Periods: Some plans waive waiting periods
✔ Customer Rating: Competitive pricing and comprehensive coverage
UnitedHealthcare Dental
✔ Coverage: Preventive (100%), Basic (50%-80%), Major (50%)
✔ Network Size: 100,000+ dental providers
✔ Annual Maximums: Up to $3,000
✔ Waiting Periods: Some plans offer no waiting periods
✔ Customer Rating: Highly rated for flexibility and inclusion of orthodontic options in some plans
Coverage Options: Preventive, Basic, and Major Dental Work
Most dental insurance plans categorize services into three main groups:
🦷 Preventive Care – Exams, cleanings, X-rays (often covered at 100%)
🦷 Basic Services – Fillings, extractions, root canals (usually 70%-80% coverage)
🦷 Major Services – Crowns, bridges, dentures, implants (typically 50% coverage)
Cost Comparison and Affordability Analysis
Dental insurance costs vary by provider and coverage level. Here’s a general cost range for Arizona:
💰 Preventive-only plans – $15-$25/month
💰 Mid-tier plans (Basic + some Major services) – $30-$50/month
💰 Comprehensive plans – $50-$80/month
Balancing cost with coverage is key to ensuring the best value for your dental care needs.
Customer Reviews and Ratings
Arizona residents have shared their experiences with various dental plans:
- Delta Dental – Praised for its large network and smooth claims process.
- Cigna Dental – Noted for affordability and shorter waiting periods.
- UnitedHealthcare – Highly rated for plan flexibility and orthodontic benefits.
- Humana Dental – Popular among individuals looking for budget-friendly coverage.
How to Enroll in a Dental Plan in Arizona
📝 Compare Plans: Review options based on coverage, cost, and network.
📝 Check Provider Networks: Ensure your dentist accepts the plan.
📝 Get a Quote: Compare rates from multiple providers.
📝 Enroll Online or Through an Agent: A licensed agent can help you navigate your options and secure the best plan.
The cost of dental insurance in Arizona varies based on the provider and plan details. Here’s a brief overview:
Delta Dental: Plans start at around $23 per month for individuals
Smart Health Dental: Offers flexible plans with varying costs based on coverage levels.
Humana: Starts at approximately $18 per month for individuals.
Cigna: Plans begin at about $20 per month with comprehensive benefits
FAQs: Best Dental Insurance Plans in Arizona
- Basic preventive plans: $15–$25 per month
- Mid-range plans (Basic + some Major coverage): $30–$50 per month
- Comprehensive plans: $50–$80 per month
- Preventive care (100% coverage for cleanings, exams, X-rays)
- Basic services (Fillings, extractions, root canals – usually 70%-80% covered)
- Major procedures (Crowns, bridges, dentures, implants – typically 50% covered)
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Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
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Blake Nwosu
Owner & Principal Agent