What's the best dental insurance plan for me and/or my family?
If you need information about Dental Health Insurance for Arizona residents, then you’ve come to the right place.
As a trusted health insurance broker with three decades of experience in Arizona, Southwest Health Insurance Experts maintains strong relationships with the most trusted names in the industry.
We take the time to learn about the unique needs of each of our clients, so we offer you the lowest rates on the region’s best Dental and Vision health insurance plans.
Without a good dental plan, a couple of unexpected root canal procedures could cost as much as your summer vacation. Even with coverage, it’s easy to rack up some major dentist bills when major work is performed.
Let’s take a closer look at the dental plans being offered today by Arizona health insurance companies.
Managed Care Dental Plans
Instead of a one-size-fits-all dental plan, many providers are now offering Dental HMOs or DHMOs. Similar to a regular HMO, these managed care plans require the selection of a primary in-network dentist, and allow patients to get basic treatments for free and pay predetermined co-payments for more advanced procedures.
A PPO (Preferred Provider Organization) also involves a network of dentists, but here the participating dentists discount their fees. Some procedures may be free, while others will be covered based on agreed-upon percentages.
In this type of dental plan, premiums are paid to the insurance company and employees are reimbursed in accordance with a simple formula that usually includes a one-time deductible of about $50 per year.
After the deductible is met, routine cleanings and preventive care are free. In the average plan, the insurer pays 80% for fillings and other dental work and 50% for major procedures.