South Dakota Dental Insurance Options for Individuals and Families

If you're an individual or family looking for dental insurance in South Dakota, there are several options available to you.

Blue Cross and Blue Shield of South Dakota offers a range of dental insurance plans that cover routine cleanings, fillings, and other services.

You can also consider Delta Dental of South Dakota, which provides coverage for individuals, families, and small businesses.

The state of South Dakota also offers a dental insurance program for low-income individuals and families, known as Medicaid.

In South Dakota, there's limited dental insurance options. Only one insurer offers stand-alone individual/family dental coverage through the health insurance marketplace.

You can purchase this coverage through HealthCare.gov during open enrollment, which takes place from November 1 to January 15.

Stand-alone dental plans are specifically designed to provide pediatric dental coverage, which is compliant with the ACA's rules.

These plans can also be purchased during a special enrollment period triggered by a qualifying life event.

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Dental insurance plans in South Dakota can vary significantly in cost, with premiums ranging from $15 to $74 per month, depending on the type of plan, coverage options, and provider network.

For adults purchasing their own stand-alone dental coverage through the exchange, premiums can start from about $15 to $31 per month.

Basic dental insurance plans can start from $14.93 to $25.88 per month per individual, while comprehensive plans with more extensive coverage can range from $33.38 to $74.13 per month.

The cost of dental insurance in South Dakota can vary based on several factors such as the type of plan, coverage options, provider network, location and individual or family enrollment.

You can compare and choose between six dental plans to meet your needs and match your budget.

Here are some available dental insurance plans in South Dakota:

In South Dakota, you can purchase stand-alone individual/family dental coverage through the health insurance marketplace. This coverage can be purchased through HealthCare.gov during open enrollment or during a special enrollment period triggered by a qualifying life event.

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You can buy exchange-certified stand-alone dental plans that are compliant with the ACA's rules for pediatric dental coverage. These plans are a great option for families with young children.

One insurer offers stand-alone individual/family dental coverage through the South Dakota marketplace. This means you can choose from a limited number of dental insurance providers.

Here are the insurance providers that offer dental coverage in South Dakota:

Adults enrolled in Medicaid in South Dakota are eligible for some dental services up to an annual limit of $1,000.

Children eligible for Medicaid receive these dental benefits with no annual cap, which is great news for young families.

Dental services for Medicaid eligible adults include preventive care, crowns, root canals, and dentures.

If you're 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). This depends on whether the health plan has integrated pediatric dental benefits.

Plans from an insurer may not be offered in all areas, so it's essential to check the availability of coverage in your region.

Families purchasing coverage through the exchange should be aware that premium tax credits can offset the cost of pediatric dental coverage, but only if the health plan offers integrated pediatric dental benefits.

Adults enrolled in Medicaid in South Dakota can receive some dental services up to an annual limit of $1,000.

Dental services for Medicaid eligible adults include preventive care, crowns, root canals, and dentures.

Children eligible for Medicaid in South Dakota also receive these dental benefits with no annual cap.

South Dakota's CHIP provides coverage to uninsured children and pregnant women with income above the eligibility limits for Medicaid.

As a South Dakota resident, you're in luck because Spirit Dental offers six dental plans to choose from, each designed to meet your unique needs and budget. You can compare and choose the one that's right for you.

Spirit Dental's plans offer a range of benefits, including 3 preventive cleanings per year, which is one more than typical plans offer. This means you'll have a strong and protected smile.

With Spirit Dental, you don't have to wait to get the care you need. Their no waiting periods policy provides instant coverage from day one, so you can start benefiting from their range of major dental services right away.

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South Dakota dental insurance plans offer a range of benefits to keep your smile strong and protected.

Some plans provide 3 preventive cleanings, one more than typical plans offer, to help maintain good oral health.

You can choose from six dental plans in South Dakota to meet your needs and match your budget.

The Spirit Pinnacle PPO plan offers one of the highest available annual max coverage at $5,000 after only two years.

This plan is ideal for those who require more extensive dental care and want to maximize their coverage.

With Spirit Dental, you can get instant coverage from day one, which means you don't have to wait to be covered for unexpected toothaches or scheduled cleanings.

Our no waiting periods policy is a game changer, providing immediate access to care. Whether you need routine dental care or more significant procedures, our coverage is ready when you are.

Routine dental care for all ages is covered, so you can take care of your teeth without delay.

Spirit Dental offers a $5,000 annual maximum after only two years, one of the highest available in the market.

If you're looking for high annual max coverage, the Spirit Pinnacle PPO plan is a great option. This plan offers one of the highest available annual maximums at $5,000.

The highest annual maximum dental insurance plan in South Dakota typically varies depending on the insurance provider and the specific plan. However, some comprehensive dental insurance plans in South Dakota offer annual maximums ranging from $1,000 to $3,000.

With Spirit Dental, you can enjoy higher annual maximums and more comprehensive coverage without breaking the bank. This is especially beneficial if you have a family history of dental issues or need frequent dental care.

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If you're looking for dental resources in South Dakota, you're in luck. The South Dakota Dental Association is a great place to start, offering a wealth of information and support for dental professionals and patients alike.

There are also low-fee dental clinics available in South Dakota, making it easier for those on a budget to access quality dental care. South Dakota Medicaid is another option for those who qualify.

You can also explore dental coverage options through HealthCare.gov, which provides a range of plans and prices to choose from.

Here are some specific resources to check out: