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Arizona dental insurance guide 2022

Arizona dental insurance guide 2022

Arizona's health insurance marketplace has certified individual and family dental plans from 10 insurers

Dental insurance in Arizona

Arizona uses the federally facilitated health insurance marketplace – HealthCare.gov – for the sale of certified individual/family dental plans, as well as small group dental plans.

Not all insurers who offer medical plans through the Arizona exchange include dental coverage with their health plans, but stand-alone dental plans are available for purchase that cover both adults and children.

How much does dental insurance cost in Arizona?

For adults who purchase their own or family stand-alone dental coverage through the exchange, premiums range from $30 to $100 per month.

Independence Holding Company reports that the average monthly premium for a stand-alone family dental plan sold in Arizona over a two-year period (2020-2021) was $46.22. (Typical family size was 1.2 to 1.4 persons.)

If a family is purchasing coverage through the health insurance exchange, the premiums associated with pediatric dental coverage may or may not be offset by premium tax credits (premium subsidies). Here’s more about how that works, depending on whether the health plan has integrated pediatric dental benefits.

Pediatric dental benefits in Arizona

The stand-alone pediatric dental plans available in Arizona will comply with the ACA’s pediatric dental coverage rules. This means out-of-pocket costs for pediatric dental care will not exceed $375 per child in 2022 (or $750 for all the children on a family’s plan), and there is no cap on medically-necessary pediatric dental benefits.

As is the case for all essential health benefits, the specific coverage requirements for pediatric dental care are guided by the state’s essential health benefits benchmark plan.

You can see details here for Arizona’s benchmark plan, which does include coverage for both basic and major dental services for children.

Ten insurers offer stand-alone dental plans through the Arizona exchange

In 2022, there are 10 insurers that offer stand-alone individual/family dental coverage through the health insurance marketplace in Arizona. These are dental plans that are not included with a medical plan and must be purchased separately:

  • BEST Life
  • Truassure
  • Delta Dental of Arizona
  • Humana
  • EMI Health
  • Guardian
  • DentaQuest
  • Solstice Healthplans of Arizona
  • DentaTrust
  • Cigna Healthcare

These plans can be purchased through HealthCare.gov during open enrollment (November 1 to January 15) or during a special enrollment period triggered by a qualifying life event. Exchange-certified stand-alone dental plans are compliant with the ACA’s rules for pediatric dental coverage.

Can I buy dental insurance outside of Arizona’s exchange?

There are also a variety of dental insurers that sell stand-alone dental plans directly to consumers in Arizona. These plans are not subject to the ACA’s essential health benefit rules for pediatric dental coverage, but they are regulated by the Arizona Department of Insurance. If you would like to purchase a non-ACA qualified dental plan, ask a dentist for recommendations or search online.

There are also various dental discount plans available in every state. Dental discount plans are not insurance, but can offer discounted rates at participating dentists. Here’s what you need to know about the differences between dental insurance and dental discount plans.

To find plans in your area, search online for dental discount plans and the state you are looking to buy a plan in.

Medicaid/CHIP dental coverage in Arizona

Adults enrolled in Medicaid in Arizona are eligible to receive up to $2,000 in total dental services, divided between diagnostic/preventive and emergency dental care. Eligible children (up to age 21) are also able to access emergency or medically necessary dental services.

KidsCare (which is Arizona’s CHIP) provides coverage to children and pregnant women with income above the eligibility limits for Medicaid.

Dental resources in Arizona

Related articles

Here's what you need to know when you're shopping for adult dental coverage through a state health insurance marketplace or directly from a dental plan carrier.
There is no penalty for not having pediatric dental on your policy – and in most exchanges, you can purchase a plan without pediatric dental. But off-exchange, carriers are required ...
If you're an adult who bought a dental insurance plan, your out-of-pocket costs will depend entirely on the amount of dental care you need during the year. But for children, ...
For those who purchase their own insurance, the decision to purchase dental coverage is not always as clear-cut as the decision to purchase health insurance.
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Dental insurance and dental discount plans can both be useful in terms of reducing your total dental costs, but they vary significantly in terms of the benefits you get and ...

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