Dental Insurance Oklahoma Guide to Affordable Plans and Coverage

Oklahoma residents can find affordable dental insurance plans through various options, including private insurance companies and government programs.

You can expect to pay around $25-$50 per month for a basic dental insurance plan, depending on your age and other factors.

If you're a senior, you may be eligible for the SoonerCare program, which offers dental coverage at a low cost.

This program is available to low-income Oklahoma residents who meet certain income and eligibility requirements.

If you're looking for dental insurance options in Oklahoma, you have several choices. Seven insurers offer stand-alone individual/family dental coverage through the health insurance marketplace in Oklahoma.

You can purchase these plans through HealthCare.gov during open enrollment (November 1 to January 15) or during a special enrollment period triggered by a qualifying life event. These plans are compliant with the ACA's rules for pediatric dental coverage.

Here are the seven insurers that offer dental coverage through the Oklahoma marketplace:

Delta Dental of Oklahoma also offers dental insurance options, including the Delta Dental PPO and Delta Dental PPO – Choice plans. These plans cover preventive care at 100% and provide access to both the Delta Dental PPO and the Delta Dental Premier networks.

Choosing a Plan can be overwhelming, but it's essential to find the right one for your needs. With so many options available, it's crucial to consider your budget and what services you need.

Some plans, like BlueCare Dental, offer affordable options with access to a national dental network, ensuring you can find a dentist wherever you are. You can choose from plans like Complete Dental, which has a premium as low as $45.99, or Dental Savings Plus, which costs as low as $5.99.

If you're looking for a plan with no waiting period for preventive services, consider options like Bright Plus or Preventive Value, which both offer 100% coverage for routine cleanings and exams after meeting their respective deductibles.

Here are some key plan features to consider:

By considering these factors, you can make an informed decision and find the perfect plan for your Oklahoma dental insurance needs.

Sun Life Preferred PPO is a great option to consider when choosing a plan. With over 1,600 unique Sun Life Dental Network dentists in Oklahoma, you're likely to find a dentist you want.

Using a dentist in their network can reduce your out-of-pocket expenses and stretch your dental benefits dollars further.

If you're shopping for a dental insurance plan, you'll want to compare the available options carefully. There are several plans to choose from, each with its own set of features and benefits.

The plans vary in terms of premium costs, with some as low as $5.99 per month and others as high as $45.99. The Bright Plus plan, for example, has a premium of $20.99 per month.

The plan type also differs, with some plans offering a PPO (Preferred Provider Organization) network and others providing a discount plan. The Dental Savings Plus plan, for instance, is a discount plan that doesn't apply coinsurance options.

Coinsurance options are an important consideration, as they determine how much you'll pay for services after meeting your deductible. The Complete Dental plan, for example, has a coinsurance option of 100/80/50 In-Network and 100/80/50 Out-of-Network.

Deductibles also vary, with some plans requiring a $50 individual deductible and others a $150 family deductible. The Preventive Value plan, for instance, has a $50 lifetime deductible.

Annual maximums and waiting periods are other factors to consider. The Complete Dental plan, for example, has an annual maximum of $1250 (Year 1) and $1500 (Year 2), and a waiting period of 6 months for Basic Services and 12 months for Major Services.

Here's a comparison of the available plans:

The cost and coverage of dental insurance in Oklahoma can vary depending on several factors.

Oklahoma dental insurance plans typically cover preventative exams, routine teeth cleaning, fillings, and x-rays. Some plans cover periodontics, endodontics, dentures, bridges, root canals, and other surgical procedures.

For adults who purchase their own stand-alone dental coverage through the exchange in Oklahoma, premiums in 2025 range from about $10 to $55 per month.

The average dental insurance premium in Oklahoma is $29.51 per month, based on average pricing for plans from eHealth.