Find the Best Dental Insurance in Tucson, AZ

How to choose dental insurance in Tucson

Dental insurance is a financial safety net that helps you pay for exams, cleanings, X-rays and many oral health care treatments and procedures. Research shows those with dental benefits — about 3 in 4 Americans — are more likely to visit the dentist and experience better overall health.

There are three main types of dental insurance plans in Tucson. You can also consider a dental savings plan, which is different from insurance. A dental savings plan simply gives you cash discounts on services from participating dentists.

A common type of coverage is referred to as “100-80-50.” It covers 100 percent of exams, cleanings and routine X-rays; 80 percent of basic services (e.g., fillings, pain relief) and 50 percent of major services (e.g., crowns, root canals, bridges). A small deductible usually applies to the last two categories.

Whichever type of plan you choose, your costs for preventive care will be minimal. It is common to pay nothing or only a small copayment for regular exams and cleanings.

How much is dental insurance in Tucson?

Expect to pay between $20 - $50 a month for an individual dental policy in Tucson. The exact premium depends on your age, whether you smoke and the level of coverage you purchase. Dental savings plans start around $100 per year for a single member.

Before choosing a dental plan in Tucson, make sure you understand the benefits, including exclusions and limitations. Don’t overlook any applicable waiting periods for services: It’s common for plans to make you wait six months to a year before you get coverage for anything beyond preventive care.

Also, take into account if there is an annual maximum limit to coverage; unlike health insurance, dental insurance often caps the amount it will pay out in benefits, usually between $1,000 and $3,000 per year.