Dental Insurance Arkansas offers coverage for routine exams, cleanings, fillings, X-rays and more. Some policies also cover more intensive procedures like crowns, root canals, oral surgery and bridges. You can purchase a stand-alone dental plan or add a dental plan to an existing health insurance policy. The cost of a dental plan may or may not be offset by premium subsidies available through the marketplace.

Our best choices for dental insurance in Arkansas include a budget-friendly monthly premium, low office-visit copays and annual maximums of at least $500 per person. These plans also feature no waiting periods for preventive care and major services. UHC’s Premier Elite and Primary Preferred Plus plans offer 50% coverage of restorative work after a six-month wait, which is much better than many other dental insurers.

Protecting Your Smile: Dental Insurance Plans in Arkansas

When shopping for a dental plan, make sure to review the terms and conditions carefully. Look for a clear explanation of how the insurance company calculates its copays, which are typically per visit or per procedure. Also, find out if there is a deductible for each service and the plan’s annual maximum — this is the highest amount the insurer will pay in one year for covered services.

Some plans exclude orthodontic treatment like braces and retainers, but Ameritas is one of the few providers that covers this medically necessary expense. Its Gold plan even includes 50% coverage of child orthodontia for just a little more than $30 a month.