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Best Dental Insurance in Tulsa, OK

Updated 02/26/2019

Given the connection between oral health and overall well-being, good dental care is essential. Having dental benefits helps, saving you money on regular visits and expensive procedures. We researched the best dental insurance in Tulsa so you’re covered — from routine exams and cleanings all the way to restorations.

#1 MOST POPULAR
1Dental.com
1Dental.com
Features
  • Care at 15 - 60% lower prices
  • All dental conditions accepted
  • Start saving today
  • No deductibles
Read More
Location:
Services available in
Tulsa, OK
(800) 372-7615
#2
DentalPlans.com
DentalPlans.com
Features
  • Works with quality providers
  • 30+ dental savings plans
  • Save 10 - 60% on most procedures
  • No caps, limits or waiting to get care
Read More
Location:
Services available in
Tulsa, OK
(888) 632-5353
#3
UnitedHealthcare
UnitedHealthcare
Features
  • Stand-alone dental coverage
  • Access to 85,000 dentists
  • Covers routine exams & cleanings
  • No age restrictions
Read More
Location:
Services available in
Tulsa, OK
(888) 545-5205

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. Newson6 may receive compensation from our partners. Learn more.

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1Dental.com

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How to choose dental insurance in Tulsa

Tulsa skyline

If you have dental benefits, you’re more likely to go to the dentist, take your children to the dentist and experience greater overall health, according to the National Association of Dental Plans. The percentage of the U.S. population with dental benefits has risen over the years, to the point now where about 3 in 4 American are covered.

A majority of people with dental coverage get benefits through an employer, but a sizable number purchase through the private marketplace.

If you’re searching for dental insurance in Tulsa, you’ll have plenty of choices. Most plans work similarly to health insurance, coming with monthly premiums, deductibles, copays and coinsurance. Preventive care, like routine exams, cleanings and X-rays, are often covered 100 percent. But dental insurance, unlike health insurance, usually caps the annual amount of benefits the policyholder receives, ordinarily between $1,000 and $3,000.

When purchasing dental insurance in Tulsa, pay attention to which dentists participate in each plan:

  • Indemnity plans let you choose any dentist.
  • Preferred provider organization (PPO) plans have a network of dentists offering discounted services.
  • Health maintenance organization (HMO) plans require you to stay in network.

Be sure to ask if you’ll have to wait for coverage of certain services. Preventive care is typically covered immediately, but the other two standard categories of services, basic and major, may have monthslong waiting periods.

Classes of dental services Example services Example plan coverage
Preventive/diagnostic (or Class I) Oral exams, cleanings, X-rays, fluoride applications, sealants 100%, no deductible
Basic (or Class II) Fillings, emergency pain relief, simple extractions 80% after deductible
Major (or Class III) Crowns, root canals, bridges, inlays, dentures, oral surgery 50% after deductible

If waiting is not an option, you might consider a dental savings plan, which is different from dental insurance. You pay an annual fee to become a member and get discounts from participating dentists. There is no claims process; you pay out of pocket at the time of service. Dental savings plans in Tulsa are generally cheaper than dental insurance and may make sense if you need extensive dental care urgently.

1Dental.com

1Dental.com

M-Th: 7am - 7pm, F: 7am - 6pm, Sat: 8am - 2pm, Closed Sun

1Dental.com

1Dental.com offers two dental savings plans in Tulsa. Members save from 15 - 60 percent on services within a nationwide network of dentists. There are no waiting periods, no exclusions for pre-existing conditions and no limits to how often you can use the plan. Reviewers say the customer service from 1Dental.com is outstanding at answering questions and assisting with sign-up.

DentalPlans.com

DentalPlans.com

M-F: 7:30am - 9pm, Sat: 8am - 5pm, Sun: 9am - 4pm

DentalPlans.com

Since 1999, DentalPlans.com has been offering dental savings plans as an affordable alternative to dental insurance. Tulsa residents can choose from multiple plans and save 10 - 60 percent on visits to a wide network of dentists. The company will match competitor prices and lets members switch plans anytime. Reviewers say DentalPlans.com is affordable and like that there are no waiting periods or limits to savings.

UnitedHealthcare

UnitedHealthcare

M-Th: 7am - 9pm, F: 7am - 7pm, Sat: 8am - 4:30pm, Closed Sun

uhone.com/insurance/dental

UnitedHealthcare offers dental insurance covering routine, basic and major services. Policyholders can get preventive care immediately with no deductible. Plans for all needs and budgets are available, even if you have health insurance through a different provider. Customers like the vast network of dentists and the coverage for regular exams and cleanings.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgment or subject matter expert’s judgment. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.