Dental Insurance Plans Available In Arizona
Dental insurance helps cover routine cleanings, exams, and X-rays, plus a share of fillings, crowns, and other work — so a trip to the dentist doesn't become a surprise bill. Phoenix Health Insurance offers standalone dental plans and plans bundled with health or Medicare coverage, for individuals, families, and employers, from top carriers at no extra cost to you.
What Dental Plans Cover
Preventive Care
Routine cleanings, exams, and X-rays — usually covered at or near 100%, often with no waiting period. Two visits a year keep small problems from becoming big ones.
Basic Procedures
Fillings, simple extractions, and emergency care — typically covered around 70–80% after any deductible.
Major Work
Crowns, bridges, dentures, and root canals — usually covered around 50%, sometimes after a waiting period. We'll help you find a plan that fits the care you need.
Types of Dental Plans
Dental HMO (DHMO)
Like a medical HMO, a DHMO uses a network of contracted dentists and set copays for each service. Premiums are low and there's usually no annual maximum, but you choose from in-network providers.
Dental PPO
A PPO gives you a network of preferred dentists at negotiated rates, plus the freedom to go out of network for a higher share of the cost — the most popular choice for flexibility.
Dental Indemnity
A traditional fee-for-service plan that lets you see any dentist. You pay up front and the plan reimburses a set percentage — maximum freedom, typically a higher premium.
Who Dental Insurance Is For
Dental Carriers We Work With
Individuals & Families
Affordable routine care and protection from surprise bills for the whole family.
Employers & Groups
Dental is one of the most-requested employee benefits — we set up group plans for businesses of every size.
Medicare Members
Original Medicare doesn't cover routine dental. A standalone plan or Medicare Advantage with dental benefits fills the gap.
Snowbirds & Seniors
Plans that cover the cleanings, dentures, and implants that matter most later in life.
Dental Insurance FAQ
Does dental insurance cover cleanings?
Is there a waiting period for major dental work?
Does Medicare cover dental?
Can I buy dental insurance on its own?
How much does dental insurance cost?
Ready to find the right plan?
Free local guidance from licensed Arizona agents — it costs you nothing extra.