Find the Best Dental Insurance in Phoenix, AZ

How to choose dental insurance in Phoenix

There are many benefits to having dental insurance in Phoenix. Most plans cover preventive care, like exams, cleanings and X-rays, at 100 percent, making it more likely you catch problems early on before they require expensive treatment. If you do need treatment for tooth decay, tooth loss, gum disease or other dental conditions, dental insurance cuts down the out-of-pocket cost.

There are various types of Phoenix dental insurance plans. Here’s how they differ:

• Network of dentists: Some plans negotiate lower rates for services within a network of dentists. Some plans may strictly limit what dentists you can see; others will provide pricing incentives to stay in network. Some policies will let you visit any licensed dentist.
• Deductible: Plans may require you to spend up to a specified amount out of pocket before benefits kick in for certain services.
• Copay: Some plans specify a fixed amount you pay for each service you receive.
• Coinsurance: After you’ve met a deductible, the plan will cover a percentage of the cost of service. You pay the balance. A plan, for example, may cover 100% of preventive care (no deductible), 80% of basic services (e.g., fillings, emergency pain relief) and 50% of major services (e.g., crowns, root canals, dentures, oral surgery).
• Waiting period: Most plans have waiting periods of six to 12 months before benefits for basic and major services kick in.
• Annual maximum benefit: The insurance company will pay out up to a maximum amount in a calendar year.

Dental savings plans in Phoenix are another option. A dental savings plan is not the same as dental insurance. You pay a monthly or annual fee to benefit from discounted rates at select dentists. There is no deductible, copayment, coinsurance, annual maximum benefit or waiting period. But you are responsible for 100 percent of the cost of services.

How much is dental insurance in Phoenix?

The cost of dental insurance in Phoenix depends on your age, the level of coverage you choose, whether you are covering an individual or multiple people and if you use tobacco.

A single, 40-year-old male who doesn’t use tobacco will likely spend $20 - $50 per month for individual dental insurance in Phoenix. Dental savings plans are cheaper, costing on average between $100 - $180 per year.

When choosing dental benefits, you should consider the cost of premiums or membership, the number of dentists in the plan, how various services are covered and how much dental care you expect to receive during the year. Both dental insurance and dental savings plans have their respective advantages and are bound to save you money when put to use.