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Best Dental Insurance in Arizona: Comparison and Plan Review

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dental insurance plans arizona
Looking for the best dental insurance in Arizona?

Are you looking for the best dental insurance in Arizona? Because there are so many dental insurance companies in Arizona, finding the perfect plan for you might be confusing. However, getting the right dental insurance may significantly reduce your out-of-pocket dental costs, so it's well worth the effort to thoroughly research your alternatives.

In this post, we'll go through several dental insurance plans offered in Arizona, including:

  • Individual dental insurance plans
  • Dental insurance for seniors
  • Dental insurance in Arizona with no waiting period
  • Dental and vision insurance

In this Arizona dental insurance review, we'll explain the many possibilities and assist you in comparing the best dental plan providers in the state. We hope that this information helps you to find the ideal dental insurance plan for you.

For a comprehensive guide to dental plans nationwide, check out our resource here.

Types of dental insurance plans in Arizona

Differences between DHMO, PPO, and dental discount plans

PPOs make up the vast majority of dental insurance policies. They're really popular since they give you a lot of options. Premiums and deductibles are higher, but you may also be eligible for extra benefits such as savings on dental implants, braces, and cosmetic treatments.

DHMO plans: These are the most affordable dental insurance plans in Arizona, and they commonly provide free preventative treatment. You may, however, be forced to choose a primary care dentist from a select group of dentists.

Dental savings plans: These are not the same as the dental insurance plans mentioned above. It's a membership program in which you pay a monthly or annual fee and get a discount card that allows you to save money on dental treatments.

individual dental insurance arizona
Individual dental insurance plans in Arizona

Individual dental insurance Arizona

The individual dental insurance and employer-sponsored dental insurance differ primarily in how they are purchased. Both achieve the same result and offer the same features.

Dental insurance for seniors in Arizona

Dental insurance for seniors is similar to that of younger people, with the exception that it focuses on treatments that seniors are more likely to require. Root canals, dentures, crowns, and tooth replacements are among the treatments available. Although these procedures are not exclusive to seniors, the elderly are more likely to need them.

Supplemental dental insurance

Supplemental dental insurance may be purchased to complement an individual's current dental coverage. It may be used as a fallback if the main insurance plan's yearly spending limit is exceeded or if the policy does not cover required or recommended dental services.

Dental and vision insurance

Some healthcare providers also offer dental and vision insurance, enabling clients to get all of their coverage in one spot. This might be a good way to save money on your insurance. If you want to buy dental and vision insurance in Arizona, Delta Dental, Humana, or Ameritas might be good options for you.

How to find the best dental insurance for your needs

It takes more than a price comparison to find the best dental insurance in Arizona. The most affordable dental coverage isn't necessarily the most cost-effective or wisest choice. You should also pay attention to the following factors:

dental insurance arizona no waiting period
Looking for the best dental insurance in Arizona with no waiting period?

Cheap vs full-coverage

If your teeth are in overall great shape, a low-cost insurance policy with a higher deductible and co-payments may be appropriate. If you think you will need a lot of treatments, however, paying a higher premium but with lower co-payments might be more cost-effective.

No waiting period

If you need dental care right now and want to save money, look into Arizona dental insurance plans with no waiting period.

Comparison of the best dental insurance plans in Arizona

We've compiled a list of the top dental insurance plans in Arizona to help you compare your choices.

delta dental arizona
Delta Dental of Arizona

Delta Dental insurance Arizona

Delta Dental of Arizona offers a wide range of dental insurance plans. They provide individual dental insurance, family dental plans, group dental insurance, and dental and vision plans.

Delta Dental Arizona: Cholla Plan

This is Delta Dental's most affordable dental insurance plan in Arizona. It is ideal for those who only need yearly cleanings, x-rays, and exams and are seeking a plan that focuses on preventative treatment. You may go to any dentist, but if you go to a Delta Dental PPO in-network dentist, your out-of-pocket costs will likely be lower.

Delta Dental Arizona: Agave Plan

This Delta Dental plan features a $1,000 yearly cap and shorter waiting periods. It's great for those who want a full-coverage plan that's comparable to an employer-sponsored plan.

Delta Dental Arizona: Saguaro Plan

This Delta Dental of Arizona plan includes similar benefits to the one mentioned above, except it has a $1,500 annual maximum benefit.

Delta Dental Arizona: Mesquite Plan

This is the most costly Delta Dental plan in Arizona. It does, however, provide you with a limit of $2,000 every year. The features are comparable to those plans listed above, except that the majority of the treatments have no waiting periods.

MetLife dental insurance
MetLife dental insurance plans

Metlife

Metlife dental insurance in Arizona provides three PPO plans. They have a low, medium, and high plan. All three Metlife plans fully cover preventive care with no waiting periods, whether you go to an in-network or an out-of-network dentist.

Metlife dental insurance plan

Metlife Low Plan

Metlife Medium Plan

Metlife High Plan

Preventive coverage

100%

No waiting period

100%

No waiting period

100%

No waiting period

Fillings and extractions

50% with a 6-month waiting period

70% with a 6-month waiting period

80% with a 6-month waiting period

Crowns, root canals, and dentures

Not covered

50% with a 12-month waiting period

50% with a 12-month waiting period

Implants, and deep cleanings

Not covered

70% with a 12-month waiting period

80% with a 12-month waiting period

Braces / Orthodontia

Not covered

Not covered

50% with a 12-month waiting period

Deductible

$75 per person

$50 per person

$25 per person

Annual maximum

$750 per year

$1,500 per year

$2,000 per year

Details correct at time of writing; check with insurer for current and complete policy details.

Cigna insurance
Cigna dental insurance

Cigna

Cigna dental insurance in Arizona provides three plans.

Cigna dental plan

Cigna Dental Preventive

Cigna Dental 1000

Cigna Dental 1500

Preventive care

100% covered

100% covered

100% covered

Restorative treatments

Not covered

Covered up to $1,000

Covered up to $1,500

Orthodontia

Not covered

Not covered

Covered up to $1,000

Deductible

Individual: None

Family: None

Individual: $50

Family: $150

Individual: $50

Family: $150

Details correct at time of writing; check with insurer for current and complete policy details.

Humana dental insurance Arizona

Humana offers two PPO plans in Arizona.

humana dental insurance arizona
Humana dental insurance

Humana Bright Plus Dental Plan

The Bright Plus plan allows a spending limit of up to $1,250 every year. Individuals will be charged a $50 deductible, while families will be charged $150. Cleanings, examinations, and x-rays, for example, have no waiting time and are fully covered by in-network dentists. After a 3-month waiting period, fillings and extractions are covered at 60% in-network and 30% out-of-network.

This plan does not cover crowns, root canals, dentures, implants, thorough cleanings, or braces. There is a $100 allowance for teeth whitening.

Loyalty Plus

The Humana Dental Loyalty Plus plan provides loyal members with annual benefits that grow over the years. The yearly increasing benefits include the coverage of treatments like fillings, root canals, and crowns. Besides the yearly increasing maximum benefit, members are also rewarded with a one-time deductible, no copayments, and no waiting periods.

Conclusion

Types of plans offered

Advantages

Delta Dental

PPO, combination plans

Access to a large network of dentists; Individual and group dental insurance; dental and vision insurance plans

Metlife

PPO, DHMO

Flexible and affordable dental insurance; same benefits in-network and out-of-network

Cigna

PPO

Affordable plans with good coverage

Humana

PPO

Annually increasing loyalty benefits

Details correct at time of writing; check with insurer for current and complete policy details.

When it comes to dental insurance in Arizona, you have a number of options.

It can be tough to determine which dental plan will offer you the most benefits. Before you buy dental insurance, read the policy carefully to make sure you know what you're getting yourself into.

FAQ

What is the best dental insurance in Arizona?

There is no such thing as a one-size-fits-all solution because everyone's needs are different. Depending on the required treatments, a low or high premium can be better.

We researched the top dental insurance plans in Arizona and verified their availability in the state's main cities, including Phoenix and Tucson. Depending on your location, dental insurance from Aetna, BlueCross BlueShield, Secure Care, Tasc, Ameritas, or Guardian Direct may be available.

Dentalinsurance.com can assist you in locating the best dental insurance for your needs. You may compare the top dental insurance plans in Arizona by entering your ZIP code and date of birth. To get started, just click the button below.

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Contributors:
Natalie used to work as a Community Health Worker and Health Insurance Navigator. She continues to follow her passion for connecting people with the healthcare they need by writing informative content about dentistry and medicine.