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.
Dentalinsurance.com makes comparing Arizona dental insurance coverage simple. Finding and enrolling in the best plans in your state is quick and uncomplicated with our online marketplace.
To check what plans are available in your area, just enter your zip code and date of birth, or call 888-626-0057 to talk with one of their representatives.
Table of contents
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.
There's another option that you might not be as familiar with — dental savings plans.
With a dental discount (savings plan), there are no annual maximums, no deductibles, and no waiting period. You just get discounts on your dental treatment — it's as simple as that.
Dentalinsurance.com can also help you find a dental discount plan.
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:
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 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
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
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 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.
Get a quote for insurance near you
We know it can be difficult to wade through the plethora of plan options. That's why we've created this easy-to-use insurance comparison tool. Just enter your DOB and zipcode, and in seconds you'll see the best plans in your area.
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.
If you want to read about the best insurance option in any other state, please select from the list below.
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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.