Arizona Dental Insurance Guide for Employers and Individuals

In Arizona, dental insurance is a vital component of overall health coverage. Arizona law requires most health insurance plans to include dental coverage for children.

Many employers in Arizona offer dental insurance as a benefit to their employees. In fact, a survey found that 75% of Arizona employers offer dental insurance to their employees.

Arizona has a unique dental insurance market, with a range of plan options available to individuals and families.

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If you're looking for dental insurance options in Arizona, you're in luck - there are many to choose from. In fact, as of 2025, there are eleven insurers that offer stand-alone individual/family dental coverage through the health insurance marketplace in Arizona.

You can choose from a variety of dental insurance plans, similar to health insurance choices. These include dental HMOs, PPOs, HMOs, and indemnity plans.

One type of dental insurance plan is a Preferred Provider Organization (PPO), which allows you to choose any dentist for your dental care, in or out of network. However, your costs may be higher with out-of-network dentists.

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Dental Health Maintenance Organizations (DHMO) are another option, requiring you to select a primary care dentist from within a specific network. This plan often covers preventive, basic, and major services with fixed fees and no deductibles.

Indemnity plans, or traditional dental insurance, reimburse you for a portion of covered dental expenses. These plans allow you to choose any licensed dentist for routine, preventive, diagnostic, and emergency dental care.

Here are the eleven insurers that offer stand-alone individual/family dental coverage through the health insurance marketplace in Arizona:

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.

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The cost of dental insurance in Arizona can vary significantly depending on several factors. The average dental insurance premium in Arizona is approximately $31.17 per month, but prices can range from $30 to $100 per month for adults purchasing stand-alone or family coverage.

To give you a better idea, here are some average monthly costs for dental insurance in Arizona:

In addition to premiums, you'll also want to consider other costs associated with dental insurance, including copays, coinsurance, deductibles, and annual maximums.

Arizona residents have numerous dental insurance providers to choose from, but it's essential to consider a few key factors when selecting a plan. You can find 11 insurers that offer stand-alone individual/family dental coverage through the health insurance marketplace in Arizona.

To ensure you're getting the most for your money, look for a plan with a low deductible, high annual maximum benefit cap, and availability in your area. Delta Dental of Arizona, Cigna, and Humana are some affordable dental insurance providers in Arizona.

Here are some notable insurance providers in Arizona:

In Arizona, there are eleven insurers that offer stand-alone individual/family dental coverage through the health insurance marketplace in 2025. These plans can be purchased through HealthCare.gov during open enrollment or during a special enrollment period triggered by a qualifying life event.

Some of the insurers that offer dental coverage through the Arizona marketplace include BEST Life, Cigna Healthcare, and Delta Dental of Arizona. These plans can be purchased separately from a medical plan and are compliant with the ACA's rules for pediatric dental coverage.

For example, BEST Life, Cigna Healthcare, and Delta Dental of Arizona are among the eleven insurers that offer stand-alone individual/family dental coverage through the health insurance marketplace in Arizona.

Here's a list of the eleven insurers that offer dental coverage through the Arizona marketplace:

Preferred Provider Organizations (PPOs) are a type of dental insurance plan that offers flexibility in choosing your dentist, but may cost more.

If you already have a dentist you like, a PPO plan can be a good choice for families. This is because PPOs allow you to see any dental service provider you like and still use your benefits.

You can usually save money by seeing an in-network provider, but there's no requirement to do so. This flexibility comes at a higher cost, but can be worth it for those who value their current dentist relationship.

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Here are some key features of PPOs to consider:

Ultimately, a PPO plan may be ideal for families who already have a dentist they like, but it's essential to weigh the costs and benefits before making a decision.

In Arizona, patients have access to various insurance providers that cover dental care. DentaQuest network has partnered with several dental providers to serve members of these plans.

Dental Care Plus Group is one of the health plans that DentaQuest network serves. They offer two types of plans: Dental Care Plus Group HMO and Dental Care Plus Group PPO.

Patients enrolled in these plans can receive dental care from participating providers. Some of the government programs that DentaQuest network serves include Banner University Family Care (BUFC), Mercy Care DDD, and Mercy Care Plan.

Here's a breakdown of some of the health plans and government programs that DentaQuest network serves in Arizona:

These plans and programs provide coverage for patients in Arizona. DentaQuest network's partnerships with these providers ensure that patients have access to quality dental care.