Arizona Dental Insurance Cost (2025): Premiums, Caps & Waiting Periods
In 2025, Arizona residents have multiple dental insurance options. Understanding premiums, service coverage, annual caps, and waiting periods helps you choose a plan that aligns with your dental care needs and budget.
Premium Trends
Dental insurance premiums in Arizona vary based on plan type and coverage level. Typical individual monthly premiums include:
- Basic Plan: $20–$30
- Standard Plan: $30–$50
- Comprehensive Plan: $50–$60+
Service Classes
Dental services are usually divided into three classes:
- Preventive: Exams, cleanings, fluoride, sealants
- Basic: Fillings, simple extractions, X-rays
- Major: Crowns, bridges, dentures, root canals
Annual Caps
Most plans have annual maximums ranging from $1,000 to $2,000. Preventive services are often exempt from caps, meaning they may be covered 100% even if you reach your annual limit.
Waiting Periods
Waiting periods apply for certain services:
- Major work (crowns, bridges, dentures): 6–12 months
- Orthodontics for adults: often limited or requires separate plan
- Preventive care: usually covered immediately
Network vs Out-of-Network
Using in-network dentists reduces out-of-pocket costs. Out-of-network coverage varies, often requiring higher copays or coinsurance.
FAQs
Adult ortho covered?
Adult orthodontic coverage is often limited and may require a separate plan or rider.
Major work waiting period?
Commonly 6–12 months before major procedures like crowns or dentures are covered.
Hygiene visits covered?
Preventive visits, including cleanings and exams, are often covered at 100%.
Key Takeaways
- Dental premiums in Arizona range roughly $20–$60/month depending on plan.
- Preventive care is usually fully covered even if annual caps are reached.
- Major procedures may require waiting periods of 6–12 months.
- Using in-network dentists keeps costs lower.
References