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.
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How to choose dental insurance in Tulsa
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.
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 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.
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 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.
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