- What are typical dental insurance costs in Oklahoma?
- Stand-alone pediatric dental plans in Oklahoma comply with the ACA’s pediatric dental coverage rules.
- In 2022, six insurers offer stand-alone dental plans in Oklahoma’s marketplace.
- Off-exchange stand-alone dental plans are available in Oklahoma.
- See how Medicaid and CHIP cover dental in Oklahoma.
- Review our list of Oklahoma dental resources.
Dental insurance in Oklahoma
Oklahoma uses the federally facilitated health insurance marketplace HealthCare.gov for the sale of certified individual/family dental plans.
Not all insurers who offer medical plans through the Oklahoma 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 Oklahoma?
For adults who purchase their own stand-alone or family dental coverage through the exchange, premiums range from $35 to $87 per month.
IHC Specialty Benefits reports that the average monthly premium for a stand-alone family dental plan sold in Oklahoma over a two-year period (2020-2021) was $43.01. (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 Oklahoma
The stand-alone pediatric dental plans available in Oklahoma will comply with the ACA’s pediatric dental coverage rules. This means out-of-pocket costs for pediatric dental care can’t 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.
You can see details here for the Oklahoma benchmark plan, which does include coverage for both basic and major dental services for children.
Six insurers offer stand-alone dental plans through the Oklahoma exchange
In 2022, six insurers offers stand-alone individual/family dental coverage through the health insurance marketplace in Oklahoma. These are dental plans that are not included with a medical plan and must be purchased separately:
- BEST Life
- BCBS of Oklahoma
- Renaissance Dental
This coverage 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 Oklahoma’s exchange?
There are also a variety of dental insurers that sell stand-alone dental plans directly to consumers in Oklahoma. These plans are not subject to the ACA’s essential health benefit rules for pediatric dental coverage, but they are regulated by the Oklahoma Insurance Department. 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. Learn 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 Oklahoma
Adults enrolled in Medicaid in Oklahoma are eligible for limited dental services, which include basic preventive care and extractions. Children enrolled in Medicaid are eligible to receive the same benefits as adults, with the addition of root canals and crowns.
Oklahoma’s CHIP runs in combination with SoonerCare, the state’s Medicaid program, and provides dental coverage to uninsured children and pregnant women with income above the eligibility limits for Medicaid.
Dental resources in Oklahoma
- Oklahoma Dental Association
- Low-fee dental clinics in Oklahoma
- Oklahoma Mission of Mercy (M.O.M)
- Oklahoma Medicaid (SoonerCare)