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Best Dental Insurance in Missouri: Comparison and Plan Review

Simon Frers
Simon Frers
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Looking for the best dental insurance in Missouri?

If you're looking for a Missouri dental insurance guide to find the best affordable plan, you're in the right place.

We've sifted through the top dental insurance plans in Missouri and put together this resource to help you get the best dental insurance for your needs.

You'll find a range of options while searching for the best dental insurance coverage in Missouri, including:

  • Individual dental insurance
  • PPO and DHMO plans
  • Combination dental and vision insurance

If you’re looking for dental insurance in Missouri with no waiting period, we've got you covered.

Are you from another state? Take a look at our complete guide to dental plans nationwide.

Types of dental insurance plans in Missouri

Dental discount plans, DHMOs, and PPOs

PPOs make up the vast majority of dental insurance plans. The premiums are higher, but you may also have the best coverage and qualify for discounts on major treatments such as dental implants, braces, and cosmetic procedures.

DHMO policies are the most affordable dental insurance plans in Missouri. Often, these plans provide free preventive care, but you may have fewer options when it comes to choosing a dentist.

Dental discount plans are not the same as the above-mentioned dental insurance policies. It's a monthly or yearly membership program that allows you to save money on dental treatment.

dental insurance missouri no waiting period
Find the best dental insurance plans in Missouri with no waiting period

Dental insurance for seniors in Missouri

Dental insurance for seniors is similar to that for younger people, with the exception that it focuses on treatments that seniors are more likely to need. These may include dentures, crowns, and tooth replacement, for example.

Dental and vision insurance

Dental and vision insurance is a common healthcare combination in Missouri. Purchasing both dental and vision insurance from the same provider might help save you money. If you're looking for a dental and vision insurance plan, you may want to look at the options Delta Dental has to offer.

Dental insurance plans in Missouri with no waiting period

Most dental plans may have you wait a set amount of time before you can use certain treatments. However, there are some options available if you need certain treatments right away. If having immediate access to dental services is important to you, make it a top priority to find dental insurance in Missouri with no waiting period.

If you require major services immediately, the Humana DHMO plan might be the right choice for you. It’s different from a PPO plan, and you'll need to pay co-payments, but this dental insurance plan has no waiting period.

How to find the most affordable dental insurance in Missouri

It takes more than a price comparison to find the best dental insurance in Missouri. Dental insurance that is the cheapest may not be the most cost-effective or smart option.

If your teeth are in overall good condition, a low-cost premium with a higher deductible and co-payments can be ideal. If you anticipate a high number of treatments, paying a higher premium with lower co-payments may be more cost-effective.

List of the best dental insurance providers in Missouri

Many companies offer dental insurance in Missouri. We've compiled a list of some of the most popular dental plans so you can get a sense of what's available and begin narrowing down your choices.

Delta Dental

delta dental insurance
Delta Dental of Missouri

Delta Dental offers a range of dental insurance plans in Missouri that suit every need and budget. All plans offer full coverage for preventive services, which include exams and cleanings, full mouth x-rays, space maintainers, emergency pain treatment, fluoride, and sealants.

Bronze plan

Delta Dental's Bronze plan has a $75 deductible. The annual maximum is $500 the first year and $750 the second year.

Basic services are covered at 50%. This includes fillings, pulpotomy, non-surgical extractions, scaling, root planing, and periodontal maintenance cleanings. Major services, which are covered at 25% on the Bronze plan, include root canals, oral surgery, crowns and restorations, bridges, dentures, and implants.

Silver plan

Delta Dental's Silver plan covers the previously mentioned basic services at 80% and major services at 50%. The deductible is $50 and the annual maximum is $1,000 per year.

Gold plan

The Gold plan covers both basic and major services at 50%. The annual maximum is $1,250 (second year, $1,500), and the deductible is $75.

Platinum plan

With Delta Dental's Platinum plan you get a yearly maximum of $1,500 the first year and $2,000 the second year. The deductible is only $25. Basic services are covered with 80% and major services with 50%.

In addition to these plans, Delta Dental also offers health care combinations, such as dental and vision insurance.

BlueCross BlueShield dental insurance Missouri

bluecross blueshield dental insurance
Blue Cross Blue Shield dental insurance Missouri

BlueCross BlueShield in Missouri offers a wide range of PPO plans.

Bronze plan

BlueCross BlueShield's cheapest dental insurance plan in Missouri gives you a $1,000 annual plan maximum. Preventive services such as exams, cleanings, and x-rays have no waiting period and are fully covered. Basic services like fillings and extractions are covered with 50% and have a 3-month waiting period. Major services are not covered in this Missouri dental insurance plan.

Silver plan

This dental insurance plan covers everything from the bronze plan. However, it also covers crowns, root canals, dentures, deep cleanings, and teeth whitening at 50% after a 6-month waiting period.

Gold plan

The Gold plan gives you a $1,500 yearly maximum. The coverage is similar to the Silver plan, but fillings and extractions are covered at 80%.

Platinum plan

The platinum plan covers everything from the Gold plan. However, with this Missouri dental insurance plan, you have additional coverage for braces and orthodontics. Also, you get a $2,000 annual maximum benefit.

Incentive plan

This BlueCross BlueShield dental insurance plan has an annual maximum of $2,500 and a deductible of $50 per person. Basic and major services are incentivized, which means that your coverage percentage increases the longer you stick with this plan.


humana insurance missouri
Humana dental insurance Missouri

Dental Value Plan HI215 (DHMO):

This plan is a good choice if you don’t like hidden costs because every treatment has a fixed co-payment. There are no deductibles, no annual maximums, and no waiting periods.

Bright Plus (PPO):

The Bright Plus gives you an annual maximum of $1,250. Preventive care is fully covered with no waiting period. Basic services like extractions and fillings are covered at 60% with a 90-day waiting period.

Loyalty Plus (PPO):

This Humana dental insurance plan offers you a one-time deductible for as long as you stay on the plan. The annual maximum and the coverage percentages are also incentivized and increase every year. In addition, basic and complex services, such as x-rays, fillings, extractions, crowns, root canals, dentures, and deep cleanings, have no waiting period.

If you are looking for a dental insurance plan in Missouri with no waiting period, then this can be a great option.

Type of plans offered


Delta Dental

PPO, combination plans

Wide range of plans for every budget and requirement; Large network of dentists

Blue Cross Blue Shield


A large variety of plans; Incentives



Yearly increasing maximum benefit and coverage levels

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

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.

Dentaly insurance

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It might be challenging to choose which dental insurance in Missouri offers the best value. Read the terms carefully to ensure you understand what you're agreeing to.

A cheaper dental insurance policy is the ideal option if your teeth are in good health and you just need preventive treatment and fillings. You should pick a higher premium plan if you want orthodontic coverage and other major procedures.

We checked the availability of Missouri's best dental insurance plans in the state's biggest cities, like Kansas City, St. Louis, and Springfield. Depending on your location, several dental insurance companies such as Metlife, Nationwide, Renaissance Dental, Guardian Direct, or Ameritas may also be available. can assist you in locating the most appropriate dental insurance for your requirements. You may compare the top dental insurance plans in Missouri by entering your ZIP code and date of birth. To get started, just click the button below.

If you want to read about the best insurance options in any other state, please select from the list below.

Best Dental Insurance in Missouri: Comparison and Plan Review
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