Dental Insurance Options and Coverage in Nevada

In Nevada, you can purchase dental insurance through the Health Insurance Marketplace, which offers a range of plans from different insurance companies.

Most dental insurance plans in Nevada cover routine cleanings, fillings, and extractions, but may not cover more extensive procedures like crowns, bridges, or dentures.

Nevada residents can also purchase dental insurance directly from insurance companies, such as Delta Dental or MetLife, which offer a variety of plans with different levels of coverage.

If you're on Medicare, you may be eligible for a Medicare Advantage plan that includes dental coverage, which can help cover expenses for routine care and some major procedures.

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In Nevada, you have options for purchasing dental insurance through the state-run health insurance Marketplace, Nevada Health Link. Five insurers offer stand-alone individual/family dental coverage.

You can purchase these plans separately from the available health plans, and they're compliant with the ACA's rules for pediatric dental coverage. This means you can rest assured that your child's dental needs are taken care of.

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The five insurers that offer stand-alone dental coverage are listed below:

You can purchase these plans through Nevada Health Link during open enrollment, which runs from November 1 to January 15, or during a special enrollment period triggered by a qualifying life event.

Dental insurance costs in Nevada can vary, with premiums ranging from $10 to $42 per month for adults who purchase their own coverage through the exchange.

You won't find dental insurance plans in every area, so be sure to search online for options in your specific location.

For major services, you can expect your dental insurance to cover around 35% to 50% of the cost, depending on how much your employer paid for the plan.

The insurance company's profit margins will also impact how much you receive back, so it's essential to understand the plan's fee schedule allowances and annual maximums.

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Dental insurance costs in Nevada can vary depending on the plan you choose. For adults who purchase their own stand-alone dental coverage through the exchange in Nevada, premiums in 2025 range from about $10 to $42 per month.

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Some areas may not have plans from insurers available, so it's essential to check the options in your specific region. Plans from insurers may not be offered in all areas.

Dental discount plans can be a more affordable alternative, but keep in mind they're not insurance. Dental discount plans are not insurance, but can offer discounted rates at participating dentists.

To get an idea of the costs and options in your area, search online for dental discount plans and the state you're interested in.

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Max Out of Pocket and Annual Max Benefit are two terms that may sound similar, but they have opposite meanings. Medical insurance often has a deductible, where you pay the first portion of the bill and the insurance company covers the rest.

The key difference lies in dental insurance, which has a fixed annual benefit amount, usually between $1,000 to $2,000. This amount is all you can spend in a year on dental care, and if you exceed it, you're on your own.

With dental insurance, you don't have to worry about a deductible, but you do have to be mindful of your annual max benefit. This can be a relief for those with ongoing dental needs, but it's essential to plan ahead to avoid unexpected expenses.

If you're experiencing a dental emergency, don't worry, help is available.

Adults enrolled in Medicaid in Nevada are eligible for emergency dental services, such as extractions.

If you're a parent, you can breathe a sigh of relief knowing that Nevada Check Up, Nevada's CHIP, provides dental coverage to uninsured children 18 years of age and under.

You can get same-day emergency appointments at a dentist's office, or call their dental emergency hotline day or night to speak with a board-certified dentist.

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In Nevada, dental insurance premiums can vary greatly, ranging from $10 to $42 per month for adults purchasing stand-alone coverage through the exchange. This makes it essential to understand what you're getting for your money.

If you're considering dental discount plans, be aware that they're not insurance, but can offer discounted rates at participating dentists. You can find these plans by searching online for dental discount plans and the state you're interested in.

It's also important to note that dental insurance plans in Nevada may not be offered in all areas. This is why it's crucial to research and compare plans before making a decision.

In Nevada, you can find dental providers enrolled in the DentaQuest network, which serves members of certain health plans and government programs. These include Dental Care Plus Group HMO and Dental Care Plus Group PPO.

Here's a rough estimate of what dental insurance may cover in Nevada: 35% to 50% of major services. This can vary depending on the specific plan and how much your employer has paid for it.

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We're glad to hear that you're looking for a dental insurance plan in Nevada. Nevada Health Link has certified individual and family dental plans from five insurers. You can purchase these plans separately from your health insurance.

Absolute Dental is a preferred provider for Health Plan of Nevada (HPN) and accepts their dental insurance plans at all of their locations. They also have over 50 locations throughout Nevada.

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You can use your Health Plan of Nevada (HPN) dental insurance at any Absolute Dental location in the state. By using your insurance coverage, you can address any dental issues or problems and ensure proper oral health.

Here are some of the other dental insurance plans that Absolute Dental accepts:

These plans are in addition to the five insurers that offer stand-alone individual/family dental coverage through Nevada Health Link, which include Alpha Dental, Anthem – Rocky Mountain, BEST Life, Delta Dental, and EMI.

You can buy dental insurance outside of Nevada's exchange, but you'll need to look into stand-alone dental plans that are regulated by the Nevada Division of Insurance. These plans don't have to follow the same rules as plans on the exchange, but they can still provide great coverage.

Some dental insurance plans, like Health Plan of Nevada (HPN), can be purchased directly from the insurance company. If you have an HPN plan, you can easily find a dentist in Nevada who accepts it, like Absolute Dental, which has over 50 locations throughout the state.

You can also check with your dentist for recommendations on stand-alone dental plans or search online to find the best option for you.

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If you're looking for a dental insurance plan that won't break the bank, Delta Nevada Dental might be worth considering. Delta will have some of the least expensive insurance plans in Nevada.

Delta's maximum annual benefits start at $1,000 and go up to $2,000, with limited coverage for adult orthodontics. This means you'll have to pay out of pocket for any orthodontic work beyond the annual limit.

To find a Delta Dental dentist in Nevada, you can check their website. The list of participating dentists is available online.

Even on the most expensive Delta plans, you'll still face waiting periods for major services. However, there is a plan option that includes no waiting periods, so be sure to explore your options carefully.

Here are the five insurers that offer stand-alone individual/family dental coverage through the Nevada marketplace:

If you're looking to buy dental insurance outside of the exchange, you have options. In Nevada, there are stand-alone dental plans that can be purchased directly from insurers.

These plans are regulated by the Nevada Division of Insurance. They are not subject to the same rules as plans sold on the exchange.

You can ask a dentist for recommendations on non-ACA qualified dental plans. They may have experience with these types of plans and can point you in the right direction.

You can also search online for non-ACA qualified dental plans. This can be a good option if you're looking for a plan that meets your specific needs.

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A Health Plan is a type of insurance that covers medical and dental expenses. In Nevada, Health Plan of Nevada (HPN) is one of the oldest HMOs, offering various insurance plans including HMO, PPO, and POS plans.

HPN dental insurance is part of their health insurance plans and covers preventive care, dental exams, and other dental services such as tooth extractions, fillings, and crowns. The coverage amounts can vary based on the type of HPN dental insurance you have.

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You can verify your benefits online or by contacting the dental office directly. This is especially helpful when finding a dentist near you who accepts your specific insurance plan. For example, Absolute Dental is a preferred HPN dental insurance provider with over 50 locations in Nevada.

Here are some of the insurance plans accepted by Absolute Dental: