
If you're a low-income individual in Arkansas, you're not alone in needing affordable dental care. In Arkansas, there are several options available for low-income individuals to access dental insurance.
Many low-income individuals in Arkansas qualify for Medicaid, which covers a wide range of dental services, including routine cleanings, fillings, and extractions. This is a great option for those who can't afford private dental insurance.
The Arkansas Department of Health also offers a program called the Arkansas Medicaid Dental Program, which provides dental care to low-income children and pregnant women. This program is a vital resource for many families in need.
Arkansas also has a network of community clinics that offer free or low-cost dental care to low-income individuals. These clinics are a great resource for those who can't afford private dental insurance or don't qualify for Medicaid.
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Programs and Coverage
Arkansas Medicaid and CHIP provide dental coverage to those who qualify based on their family's income. You can receive many of the costs of routine and preventive dental care covered, including preventive, diagnostic, and therapeutic services.

For adults enrolled in Medicaid, you're eligible to receive up to $500 in annual dental services, excluding extractions and dentures. Eligible children can receive comprehensive dental benefits, with some women also receiving coverage.
ARKids First, a combination CHIP program, provides dental coverage to children and some women with income above the eligibility limits for Medicaid. This program offers additional dental benefits for those who qualify.
You can choose from several types of dental coverage in Arkansas, including Preferred Provider Organizations (PPOs), Dental Health Maintenance Organizations (DHMOs), and Dental Discount or Referral Plans. PPOs allow you to see any dentist you want, but you'll pay less if you choose an in-network provider.
DHMOs only offer coverage for dentists within their network, giving you fewer choices but also making them more affordable. Dental Discount or Referral Plans aren't technically insurance, but they offer discounts on treatments and procedures at participating dentists.
Here's a comparison of the three main types of dental plans in Arkansas:
Cost and Premiums

Adults purchasing stand-alone dental coverage through the exchange in Arkansas can expect to pay between $15 to $61 per month.
The average premium for dental coverage in Arkansas is lower than in other states, coming in at $32.29 in 2021.
Among DPPO plans, premiums ranged from $15.26 to $46.23, offering a range of options for those seeking dental insurance.
The lowest deductible among the Arkansas insurance plans studied was $0 for Nationwide's PPO Advantage, a significant advantage for those seeking affordable coverage.
Family deductibles can reach as high as $450, or $50 per family member, depending on the plan chosen.
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Options for Coverage
If you're looking for affordable dental insurance in Arkansas, there are options available. In fact, a review of 20 dental plans in Arkansas found coverage options for a single person as low as $15.26 a month for insurance with a preferred provider organization and $8.95 a month for a Dental Discount Program.
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These plans come in different forms, such as preferred provider organizations (PPOs) and dental health maintenance organizations (DHMOs). PPO plans allow you to see any dentist you want, but cost more. DHMOs give you fewer dentist choices, but are more affordable.
A dental discount or referral plan isn't technically insurance, but can offer discounts on treatments and procedures. These plans are often free or low-cost, but are limited in their usefulness.
Here are some key features of these plans:
In Arkansas, only 63 percent of people said their teeth and mouth were in "good" or "very good" condition, and for those with low household income, that percentage dropped to 40 percent. Proper dental coverage can alleviate the financial challenges many consumers face regarding dental care.
Benefits and Services
If you're looking for dental insurance in Arkansas with low income, you'll be happy to know that Arkansas Medicaid and CHIP covers many of the costs of routine and preventive dental care.

Qualification for coverage is based on your family's income, so be sure to check your eligibility.
Arkansas Medicaid and CHIP covers many preventive, diagnostic, and therapeutic services.
You can download your Member Handbook to see a full list of your covered services.
Ameritas offers affordable orthodontia benefits for adults and children, with costs starting at just $31 a month.
This is a big deal, as most dental insurance plans don't offer coverage for orthodontic work, even if your dentist deems it medically necessary.
With Ameritas, you can get coverage for a range of dental benefits, including retainers and braces, which can help prevent gum disease and make flossing, brushing, and chewing easier.
If you want to extend your coverage limits, you can do so for $46 a month, with a maximum annual limit of $2,000.
This is a great option if you know someone on your plan will need orthodontic work in the future.
Check this out: How Does Dental Insurance Work
Choosing a Provider

Look for a dental insurance provider with a deductible that you can afford, as this will help you get the most out of your insurance coverage.
A deductible of $200 may seem manageable, but if your treatment costs $180, you'll still have to pay the full bill. This can add up quickly, so choose a plan with a deductible that fits your budget.
Consider a plan with high yearly maximums to ensure that your insurance is worth the premiums you pay. This will give you peace of mind knowing that you have a safety net for larger dental expenses.
To find a provider that meets your needs, check if they offer plans in your state, in this case, Arkansas. Not all providers are authorized to sell plans in every state, so it's essential to verify their availability before enrolling.
A good provider should have quality customer service, which can be evaluated by reading online reviews or calling the insurer to ask questions. This first interaction will give you an idea of how they handle claims and communicate with customers.
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Buying Outside Arkansas's Exchange

If you're looking to buy dental insurance outside of Arkansas's exchange, you're not alone. There are options available.
You can purchase stand-alone dental plans directly from dental insurers in Arkansas. These plans are regulated by the Arkansas Insurance Department.
These plans are not subject to the ACA's essential health benefit rules for pediatric dental coverage. This means they might have different requirements and benefits than exchange plans.
You can ask a dentist for recommendations on non-ACA qualified dental plans. They often have experience with various insurance providers and can guide you in making an informed decision.
You can also search online to find non-ACA qualified dental plans that fit your needs. This will give you a good idea of what's available and what each plan covers.
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What to Look for in a Provider
Choosing a Provider can be a daunting task, but by knowing what to look for, you can make an informed decision that suits your needs.

A deductible that you can afford is a must-have. Look for a plan with a deductible that you can afford to get the most out of your insurance coverage.
High yearly maximums are also crucial. Most dental insurance plans have yearly caps on the amount of money you can save on treatments, so look for a plan with high annual maximums to make sure that your insurance is worth what you're paying in premiums.
Availability in your area is a no-brainer. Not every dental provider is authorized to sell plans in every state, so make sure your insurance provider is able to sell plans in Arkansas before you enroll.
Quality customer service is essential. You need to know that the insurance company can explain anything to you, answer your questions, and deal with claims in a professional and friendly manner.
Here are some key benefits to look for in a dental insurance provider:
- A deductible that you can afford
- High yearly maximums
- Availability in your area
- Quality customer service
Understanding Dental Insurance
Dental insurance is a type of coverage that helps pay for certain types of dental work.
Having dental insurance is the best way to prepare for any unexpected dental problems that might arise.
Each month, you'll pay a set dollar amount, called a premium, to pay for coverage.
The monthly premium will depend on the insurance company, your location, and the chosen plan.
In many cases, the dentist's office will bill the insurance plan directly for care provided.
You'll only need to pay a copay for each visit or treatment.
A dentist can't answer questions about a specific dental insurance plan.
You should contact your employer's benefits department or the dental insurance plan directly for any questions about coverage.
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Specialized Plans
If you're on a tight budget, you may want to consider a dental insurance plan that caters to low-income individuals. Dental Health Maintenance Organization (DHMO) plans are often more affordable for those with limited financial means.
These plans typically have lower premiums, but may have a higher deductible and out-of-pocket costs for certain procedures. They also often require you to see a specific network of dentists, which may limit your choices.
A DHMO plan may be a good option for someone with good dental health and no family history of oral problems, as it can provide cost-effective coverage for routine cleanings and check-ups.
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Arkansas Specific Information
The Arkansas Medicaid Program is making changes to their dental services payment method this fall. This change will impact children and adults covered by Arkansas Medicaid.
If you're looking for affordable dental insurance in Arkansas, Humana offers a range of plans with low deductibles. You can get a quote online with just your zip code, gender, and date of birth.
Humana's plans have annual deductibles as low as $25, and most residents can choose from 5 different plan tiers. The company's website allows you to easily compare and select a plan that suits your needs.
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If you're in need of orthodontic work, Ameritas is a good option in Arkansas. Their plans offer coverage for orthodontia, which can help prevent gum disease and make flossing, brushing, and chewing easier.
Ameritas' orthodontia benefits are surprisingly affordable, with most individuals paying as little as $31 a month. You can also extend your coverage limits to $2,000 annually for just $46 a month.
Here are some key features of Humana's plans:
- There are several tiers of coverage from which you may choose
- You can get your quote online with just your zip code
- Annual deductibles are quite low
Frequently Asked Questions
How do you get dental work if you can't afford it?
Get affordable dental care through local health departments, negotiated payment plans with dental offices, or financing options like CareCredit
How do I get dental insurance if my job doesn't offer it?
You can purchase a stand-alone dental plan or supplemental coverage through the health care marketplace or directly with a private insurance company. This can provide you with the dental insurance coverage you need outside of your employer's benefits package.
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