Posted by We all know dental care is an important part of our overall health, and it can be really expensive without insurance. In Oklahoma, the average cost of dental checkups is about $125, tooth filling is about $250… This is why having dental insurance in Oklahoma is so important.
In this article, we will highlight over 10 best dental insurance providers in Oklahoma. Let’s get started.
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Understanding Dental Insurance in Oklahoma
We all know that dental insurance plays a crucial role in maintaining good oral health while minimizing out-of-pocket expenses. In Oklahoma, it’s essential to grasp the fundamentals of dental insurance before making an informed decision.
Firstly, do well to understand the key terms like premiums, deductibles, and copayments.
Also, familiarize yourself with the different types of dental insurance plans available in Oklahoma, such as Preferred Provider Organizations (PPOs) and Health Maintenance Organizations (HMOs).
Make sure you find time to assess the coverage for basic and major dental services, orthodontics, and cosmetic treatments as well. By having a solid understanding of dental insurance in Oklahoma, you can make an informed choice that meets your oral healthcare needs and budget.
Why Should You Have Dental Insurance in Oklahoma
Here are some benefits of dental insurance if you live in Oklahoma:
- Dental insurance can help you save money on preventive care, such as cleanings and checkups, as well as on more expensive procedures, such as fillings and crowns.
- Preventive care is covered at 100% by most dental insurance plans. This means that you will not have to pay anything for your cleanings, checkups, and X-rays.
- Basic care is covered at a percentage by most dental insurance plans. This means that you will have to pay a copayment or deductible for your fillings, crowns, and other basic care procedures.
- Major care is covered at a lower percentage by most dental insurance plans. This means that you will have to pay a higher copayment or deductible for your major care procedures, such as root canals and implants.
Factors to Consider When Choosing Dental Insurance in Oklahoma
Here are a few factors you should consider in order to choose the right dental insurance plan in Oklahoma:
- Coverage Options
Evaluate the coverage options provided by different plans, including preventive, basic, and major dental services.
- Preventive Care
A plan that emphasizes preventive care can help you maintain good oral health and prevent more costly treatments down the line.
- Network Coverage
Also do well to consider the network coverage as well, as some plans may restrict you to a network of dentists. Please always check out for this.
- Ensure that your preferred dentist is within the network and also evaluate the flexibility and costs associated with out-of-network providers.
- Take note of deductibles, copayments, and annual maximums, as they can significantly impact your out-of-pocket expenses.
- It’s also essential that you review waiting periods and any limitations related to pre-existing conditions.
- Lastly, assess the coverage for orthodontic treatment and cosmetic dentistry, if it’s applicable to your needs.
If you can carefully consider these factors, then you can choose a dental insurance plan in Oklahoma that suits your specific requirements.
10+ Best Dental Insurance in Oklahoma
The following are the 10 best dental insurance in Oklahoma:
- Humana
- eHealthInsurance
- BlueCross BlueShield of Oklahoma
- Delta Dental of Oklahoma
- HealthChoice Dental
- DentalPlans.com
- Health Insurance Organization
- Oklahoma State University
- Alpha Dental Plan
#1. Humana
Coverage Features: Health and Dental plans, PPO & HMO plans, No waiting period…
Humana is a Medicare Advantage HMO, PPO, and PFFs organization that offers quality dental insurance in Oklahoma. They currently don’t offer their services to people outside the US.
They offer one of the most affordable dental insurance plans in Oklahoma. Feel free to quickly check them out.
#2. eHealthInsurance
eHealthInsurance currently offers one of the best and cheapest dental insurance plans in Oklahoma such that with just $8.95 you can get started with a good dental plan.
Their plans will provide coverage for your basic and preventive dental care services. Feel free to learn more about them.
#3. BlueCross BlueShield of Oklahoma
Coverage Features: Dental and Vision plans, Health and Dental plans…
BlueCross BlueShield of Oklahoma offers you their BlueCare Dental Plans which is also a great family dental insurance plan. The BlueCare Dental Plans provides coverage for your preventive services including:
- Checkups
- Cleaning
- Basic X-rays
And also dental procedures like:
- Fillings
- Bridges, and
- Crowns
#4. Delta Dental of Oklahoma
Coverage Features: Dental and Vision plans, No waiting period…
Delta Dental is one of the renowned dental insurance providers in the US. They have offered one of the best and cheapest dental plans. To get your insurance quote, you can write to them at P. O. Box 54709, Oklahoma City, OK 73154-1709.
You can also check them out here
#5. HealthChoice Dental
If you are a member of HealthChoice, your dental plan’s deductible on combined basic and major restorative services will be $25, and for your own family, it would be $75. Their plans also have a calendar year maximum of $2500.
The following preventive services are covered up to 100%
- Routine oral examination
- Cleanings
- Bitewing X-rays
The following restorative services are covered up to 100%
- Extraction
- Root Canals
- Fillings
- Oral Surgeries
We also observed that they also offer dental implants in this plan. Use the button to learn more.
#6. DentalPlans.com
Coverage Features: No waiting period, Affordable plans…
DentalPlans.com offers one of the most affordable dental savings plans in the whole of Oklahoma. According to their policy, you can save up to 10-60% on your dental care services. The cost of their plans starts from $79.95, and most of their plans include free cleaning.
Other benefits include: No annual limits, no waiting periods, cosmetic dentistry savings, and many more, feel free to check them out.
#7. Health Insurance Organization
With this organization, you can get a family plan for yourself and your loved ones for as low as $41 per month. Feel free to check them out.
#8. Oklahoma State University
Oklahoma State University currently offers dental insurance coverage through Delta Dental. They offer 3 dental plans:
- The Low
- High, and
- Platinum dental plan.
If you or any of your loved ones are eligible for dental benefits at OSU, they will be freely elected to one of the three dental plans. Also, if your dependents are eligible, they will also be covered, otherwise if not covered, employees will pay for the full cost.
Feel free to check them out and make other inquiries.
#9. Alpha Dental Plan
Coverage Features: No waiting period, Orthodontics treatments, Affordable plans…
This is also one of the best dental insurance in Oklahoma that offers very affordable dental plans. They have a low monthly starting cost of about $8.95 a month with no age limits.
We also observed that their members have access to well-credentialed dentists in Oklahoma, and there is also no waiting period.
They also have dental options for orthodontics… You may love to check them out.
#10. UnitedHealthcare
UnitedHealthcare is one of the few amazing dental insurers in Oklahoma that offer dental and vision plans as well as other comprehensive health and dental insurance plans.
They also have individual and family plans that should suit your needs. Feel free to check them out.
Frequently Asked Questions on Dental Insurance in Oklahoma
Dental insurance plans in Oklahoma often have waiting periods before certain treatments or services are covered. Waiting periods vary by plan and may apply to major procedures or orthodontic treatment. However, preventive services like routine check-ups and cleanings are typically available immediately or with minimal waiting periods.
While many dental insurance plans prioritize coverage for preventive and necessary dental treatments, however some plans in Oklahoma may provide limited coverage for cosmetic dentistry procedures.
In Oklahoma, individuals may have opportunities to change their dental insurance plans during designated open enrollment periods or qualifying life events. Open enrollment periods typically occur annually and allow individuals to make changes to their coverage. Can I use my dental insurance immediately after purchasing a plan in Oklahoma?
Are there any dental insurance plans in Oklahoma that offer coverage for cosmetic dentistry?
Can I change my dental insurance plan in Oklahoma if I'm not satisfied with my current coverage?
Important Recommendations
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- 7+ Best Health and Dental Insurance Plans in Ontario
- 6+ Best Health and Dental Insurance in Alberta
- 4+ Best Dental Insurance in Quebec
Conclusion
The importance of having dental insurance coverage in Oklahoma cannot be over-emphasized. You now have 10 options here. Maximize these opportunities and enjoy your lovely smile.
Hope to see you soon!