Dental insurance Arizona
As the Principal agent at Blake Insurance Group, I’ve had the privilege of helping countless Arizonans navigate the often complex world of dental insurance. Dental insurance is a crucial part of maintaining oral health, but understanding the ins and outs of your coverage can be challenging. In this article, we’ll delve into the types of dental coverage available in Arizona and provide tips on understanding and using your dental insurance effectively.
Types of Dental Coverage in Arizona
In Arizona, several dental insurance plans are available, each with unique features and benefits. The Dental Preferred Provider Organization (DPPO) plan is one of the most common types. These plans typically cover preventative exams, routine teeth cleaning, fillings, and x-rays. Some plans also cover more complex procedures such as periodontics, endodontics, dentures, bridges, root canals, and other surgical procedures.
DPPO plans allow you to choose any dentist, but you’ll save more if you choose one within the plan’s network. Arizona’s average dental insurance premium is $31.17 per month, but actual prices depend on factors such as location, age, gender, and coverage level.
Dental Health Maintenance Organization (DHMO) plans are also available in Arizona. These plans typically have lower premiums but require you to choose a dentist within the plan’s network for your dental care.
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Costs and Premiums
The average cost of dental insurance in Arizona is $31.17 per month. However, prices can vary based on several factors, including your zip code, age, gender, and the level of coverage you choose. For adults who purchase their own or family stand-alone dental coverage through the exchange, premiums range from $31 to $104 per month.
While these figures provide a general idea of what you might expect to pay, it is always a good idea to get personalized quotes to see what may be available. Insurance companies often maintain lower reimbursement rates to dentists by keeping premiums low, a business strategy that allows these corporations to retain more profits.
Understanding Dental Insurance
Understanding your dental insurance plan is crucial to maximizing your benefits. Here are some tips to help you navigate your dental insurance:
**Know Your Coverage**: Dental insurance plans typically cover a percentage of the cost of your dental care, up to a certain limit. Most plans cover 100% of preventive care, which includes exams, x-rays, and cleanings. For more extensive procedures, the coverage may be less, and you’ll be responsible for a portion of the cost.
**Understand Your Plan’s Limit**: Most dental insurance plans have an annual limit. The insurance company will only pay for treatment up to this amount each year. Any unused benefits do not carry over to the next year.
**Find a Network Dentist**: Using a dentist within your plan’s network can save you money. Out-of-network dentists may result in higher deductibles, copays, or coinsurance.
**Check Your Claims Status**: Most insurance providers offer online tools to check the status of your claims. This can help you keep track of your out-of-pocket costs and your annual limit.
**Read the Fine Print**: Before enrolling in any dental coverage, be sure to read the fine print to understand what you’ll be responsible for paying out-of-pocket, what’s covered versus what’s not, and what your deductible will be.
Navigating dental insurance can be complex, but with a bit of knowledge and understanding, you can make the most of your coverage. Remember, maintaining good oral health is an investment in your overall health. So, take the time to understand your dental insurance and use it to its full potential.
Dental Insurance for Families and Individuals
Dental insurance plans in Arizona typically cover the following services:
– **Preventative care (cleanings, x-rays)**: Most dental insurance plans, including regular cleanings and x-rays, cover preventative care. Preventative care is essential to maintaining good oral health and preventing more serious dental problems.
– **Basic procedures (fillings, extractions)**: Dental insurance plans also typically cover basic procedures like fillings and extractions. These procedures are necessary for treating cavities and other common dental problems.
– **Major procedures (crowns, root canals, orthodontics)**: Some dental insurance plans also cover significant procedures like crowns, root canals, and orthodontics. These procedures are more complex and expensive, so having insurance coverage can help make them more affordable.
– **Cosmetic dentistry (if covered)**: Cosmetic dentistry procedures like teeth whitening and veneers may be covered by some dental insurance plans, but this varies depending on the plan.
It’s important to note that not all dental insurance plans cover all these services, so it’s essential to read the plan details carefully and choose one that covers the services you need.
Understanding Premiums, Deductibles, and Copayments
Dental insurance plans typically have premiums, deductibles, and copayments. Here’s what you need to know about each:
– **Premiums**: The premium is the monthly amount you pay for dental insurance coverage. The cost of premiums can vary depending on the plan you choose, your age, and other factors.
– **Deductibles**: The deductible is the amount you pay out of pocket before your insurance coverage kicks in. For example, if your plan has a $500 deductible, you’ll have to pay $500 for dental services before your insurance starts covering the cost.
– **Out-of-pocket costs and copayments**: Even after you’ve met your deductible, you may still have to pay out-of-pocket costs for dental services. Copayments are a fixed amount you pay for each service, while coinsurance is a percentage of the service cost you’re responsible for paying.
Factors that can influence premium rates include the type of plan you choose, your age, your location, and your overall health. It’s essential to choose a plan that fits your budget and provides the coverage you need.
In Arizona, several options are available for families and individuals seeking dental insurance. These include traditional individual dental plans and incentive-based individual dental plans.
For instance, Ameritas Dental is one of the nation’s leading dental care services providers. An Ameritas Dental Plan could be a good fit if you’re looking for an individual dental PPO plan that offers similar benefits to a group dental plan. It provides coverage for everything an employer plan would – preventive care coverage for cleanings and X-rays, crowns, bridges, and fillings.
Another option is the Spirit Dental Plan, which provides coverage for preventive care such as cleanings and X-rays, crowns, bridges, and fillings and has no waiting period. Plus, there are no copayments for office visits and a $3,500 annual maximum plan with no waiting periods.
Dental Insurance and Oral Health
Dental insurance is crucial in maintaining oral health and preventing dental disease. People with dental insurance are more likely to visit the dentist, receive preventive care, and experience better overall health. Regular dental visits help reduce the risk of more serious and costly problems down the line, such as tooth decay and gum disease. Dental insurance typically covers preventive services like exams, cleanings, and X-rays, which are essential for maintaining good oral health.
Network and Providers
Choosing a dental insurance plan with a vast network of dentists is essential for convenience and cost savings. For instance, Delta Dental of Arizona has the largest network of dentists nationwide. Visiting a network dentist can save you money, as they agree to charge discounted fees for their services. Out-of-network dentists may result in higher deductibles, copays, or coinsurance. Therefore, finding a dental insurance plan with a broad network is crucial to maximize your benefits and savings.
Enrollment and Eligibility
Individuals in Arizona can obtain dental insurance through various means, such as their employer’s health insurance plan, adding dental coverage to their health insurance plan, or purchasing a stand-alone dental insurance plan. The eligibility criteria for different plans may vary, so it’s essential to research and compare plans to find the one that best suits your needs.
Claims and Benefits
Dental insurance benefits significantly support individuals each time they visit the dentist by covering preventive care and making exams and cleanings affordable. Most dental insurance plans work on the 100/80/50 coinsurance model. This means that once you meet your deductible, you could get 100% coverage for preventive dental care, 80% coverage for basic dental procedures, and 50% coverage for major procedures if you receive care in your network. Preventive care includes treatments such as bi-annual dental cleanings and exams.
To use these benefits, you should make a dentist appointment, preferably with a dentist in your insurance network, which will save you the most money. After your treatment, you will pay your copay if you have one.
To check the status of your dental claims, you can follow the steps provided by your insurance provider. For instance, you can select ‘Claims’ and then ‘Claim status’ from the menu options with Guardian. Claims for the past 30 days will automatically display. To search for claims over 30 days old, enter the Advanced Search criteria for the claim and click Search. Other insurance providers like Aetna offer similar options to check claim status.
Choosing a Dental Insurance Plan
When choosing a dental insurance plan, evaluating your needs and learning about your options is essential. Consider factors such as the types of procedures covered by each type of plan, if there are annual limits, and if there is partial coverage for an out-of-network dentist.
You should also assess your and your family’s current and anticipated needs and the average amounts you’ve spent on dental care. Investing more in your dental insurance plan is best if you anticipate making more frequent visits.
Another key factor to consider is the cost of individual plans. Dental insurance can help lower the cost of dental care that you would have to pay on your own if you didn’t have the plan. You pay a premium, often monthly, for dental insurance. If you expect to need things like crowns, root canals, bridges, implants, etc., a dental plan that covers more specialized dental care and treatments may be better for you.
Lastly, consider the network size. When choosing the right dental insurance plan for you and your family, consider the dentists in the plan’s network and look for one conveniently near your home or workplace.
Dental Insurance Providers in Arizona
**Delta Dental of Arizona**
Delta is a popular choice for dental insurance among Arizona residents, largely due to its extensive network of dentists. They offer a wide range of dental insurance plans, including individual dental insurance, family dental plans, group dental insurance, and dental and vision plans.
One of their most affordable plans is the Cholla Plan, which is a Delta Dental PPO plan that leverages the PPO network. This plan is ideal for those who only need yearly cleanings, x-rays, and exams, and are seeking a plan that focuses on preventative treatment. While members can see any licensed dentist, they’ll have the lowest out-of-pocket costs when they see a PPO dentist. As of August 2021, the pricing for the Cholla Plan was $19.94 per member per month, although rates are subject to change and vary by plan.
**Humana Dental plans Arizona**
Humana is a notable provider of dental insurance plans in Arizona, offering a variety of options that are known for their budget-friendly monthly premiums and low office-visit copays. Humana’s dental plans are designed to fit a range of needs and budgets, with premiums as low as $19 per month.
They offer different types of plans including Dental PPO and Dental HMO, each with its own benefits and cost structures. For instance, Dental PPO plans offer the flexibility to use dentists and providers both in and out of network, while Dental HMO plans typically cost less with lower monthly premiums and less out-of-pocket costs, but require you to visit dentists within the HMO network.
Humana’s dental plans cover a variety of services, from preventive care like routine check-ups and cleanings to more complex procedures. They also offer dental discount plans as an affordable alternative to traditional dental insurance.
**Cigna Dental Plans Arizona:
Cigna is a well-known provider of dental insurance plans, recognized for its affordable annual premiums. They offer a variety of plans to cater to different needs, including the Dental Preventive Plan, Dental 1000 Plan, and Dental 1500 Plan.
The Dental Preventive Plan, starting at $19 per month, covers essential services like routine check-ups, cleanings, and limited X-rays. The Dental 1000 Plan, starting at $30 per month, and the Dental 1500 Plan, starting at $35 per month, offer more comprehensive coverage.
The Dental 1500 Plan, for instance, provides up to $1,500 in treatment coverage after deductibles and co-pays and includes orthodontic benefits of up to $1,000.
Cigna’s dental insurance plans are designed to be affordable, with average monthly premiums as low as $24 for high annual maximum plans. They also offer dental savings plans as an affordable alternative to traditional dental insurance.
**Guardian Direct Dental Arizona**
Guardian Direct is a dental insurance provider known for its comprehensive coverage, especially for major dental work. They offer a variety of dental insurance plans to cater to different needs.
Their plans range from essential to full coverage, covering preventive care such as checkups, cleanings, x-rays, and basic procedures like cavity fillings. More comprehensive plans cover major care such as root canals, crowns, bridges, and dentures.
One of their top-tier plans, the Guardian Diamond plan, offers 100% coverage for preventive care, 80% for basic services, and 50% for major services, with no waiting period for preventive and primary services.
Guardian Direct’s plans are relatively affordable and include 50% to 80% coverage for minor care, such as oral exams, fillings, and simple extractions, depending on your chosen plan. They also offer plans with no waiting period for preventive and basic care, ensuring immediate coverage upon approval.
**Ameritas Dental Insurance Arizona**
Ameritas is a prominent provider of dental insurance plans, particularly in Arizona, and is recognized for its comprehensive coverage and affordable premiums. Ameritas offers a variety of dental insurance plans, including the Advantage Network and Advantage Plus coverage levels, with a choice of a $1000 or $2000 annual benefit.
These plans are known for their simplicity and flexibility, providing coverage for preventive care such as exams and cleanings and more complex procedures like crowns, bridges, and fillings. Ameritas dental plans are designed to be affordable, with no enrollment fees and the option for next-day coverage.
Ameritas also boasts one of the largest dental networks nationwide, with over 400,000 access points and 100,000 in-network dentists. This extensive network allows policyholders to enjoy discounted fees, typically 30% below average charges in their community.
**United HealthCare Dental Arizona**
UnitedHealth is a dental insurance provider known for its short waiting periods for major dental work. They offer a variety of dental insurance plans to cater to different needs. Some of their plans have no waiting period for all types of care, while others may have a waiting period of 4 to 12 months for basic and major services.
United HealthCare Dental offers plans that cover preventive care, basic services, and major services. For instance, their Premier Max plan shortens the waiting period for basic services such as fillings and extractions to four months. For major services like crowns, root canals, oral surgery, and bridges, the waiting period is reduced to six months, which is shorter than the typical 12-month waiting period offered by most dental insurance providers.
United HealthCare Dental is underwritten by Golden Rule Insurance Company, which offers a variety of dental plans designed to fit nearly any budget. The costs will depend on the level of coverage you choose, with budget-friendly plans that cover the basics and more comprehensive plans that cover more services.
**DentaQuest Arizona** is a 
dental insurance provider recognized for its affordable premiums and various dental insurance plans to cater to different needs. They offer plans that cover preventive care at no cost to the clients, which includes services like dental exams and cleanings.
One of their most affordable plans is the Personal Dental Plan Preventive, which offers 100% coverage for preventive and diagnostic services, including two yearly dental exams, cleanings, and x-rays.
Plus, for those needing more complex dental services such as crowns, oral surgery, and more, DentaQuest offers the Personal Dental Plan Plus. This plan benefits more complex dental services and has a high benefit maximum of $1250.
DentaQuest also offers plans without waiting periods for preventive care, ensuring immediate coverage upon approval.
**Spirit Dental Arizona** is 
a dental insurance provider known for its no waiting periods policy, meaning your dental coverage is active as soon as your application is approved. This is particularly beneficial for those who need immediate dental care, as it eliminates the need to wait weeks or months before you can take care of emergency dental procedures.
Spirit Dental offers a variety of plans to suit different needs, including dental insurance that covers implants, major restorative care, orthodontic services, and even three dental cleanings per year. They also provide high annual maximums (up to $5,000), which can be extremely helpful when paying for the most expensive dental procedures.
Spirit Dental is a product offered by Ameritas Life Insurance Corp., a company with a rich heritage dating back to the late 1880s. This means that when you invest in their products, you benefit from a long history of expertise and customer service.
When choosing a dental insurance plan, it’s essential to consider factors such as the types of procedures covered, the size of the provider network, and the plan’s cost. It’s also crucial to ensure that the dental insurance provider of your choice offers coverage in your ZIP code. Always remember to compare the level of coverage to anticipate potential out-of-pocket costs and weigh your current and anticipated dental care needs against plan premiums.
Alternatives to Traditional Dental Insurance in Arizona
In Arizona, there are alternatives to traditional dental insurance that can help individuals and families access affordable dental care. One such alternative is dental savings plans, which provide discounts on dental services for a low yearly fee. These plans are cost-effective and easy to use, giving plan members access to an extensive network of participating dentists who provide discounts on most procedures. Dental savings plans do not have waiting periods, annual limits, or pre-existing condition restrictions, unlike traditional dental insurance.
Another alternative is dental discount plans, which offer savings on dental care procedures for a yearly membership fee. These plans provide access to a network of participating dental offices that offer quality dental services at affordable and predictable prices. Dental discount plans have no waiting periods, claim forms, pre-existing exclusions, yearly maximums, employment requirements, or age restrictions.
Some dental providers, such as Dental Care of Anthem Crossroads, offer membership programs that provide preventive care, members-only advantages, and discounts on other treatments for an annual subscription fee. These transparent programs can be a suitable alternative to traditional dental insurance for uninsured patients.
Frequently Asked Questions - Dental Insurance in Arizona
Blake Nwosu
Owner & Principal Agent
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed