Dental Insurance Plans in Arkansas

Cosmetic dentistry is generally not covered by dental insurance plans in Arkansas, as these procedures are often considered elective. It’s important to review your plan’s details to understand what is included. In contrast, many dental savings plans provide savings on cosmetic dental care, such as teeth whitening, veneers, and dental implants.

Dental insurance plans in Arkansas typically activate on the first of the following month after you sign up. Most dental insurance plans cover preventive care as soon as your plan becomes active; however, there may be a waiting period for other procedures. Waiting periods can range from a few months to a year for basic and major restorative dental procedures. Be sure to review your plan’s specifics to understand any waiting periods that may apply.

Yes, dental insurance plans in Arkansas often include restrictions based on pre-existing conditions. Coverage for these conditions may be limited or even excluded, depending on the plan. It’s important to thoroughly review the terms of your current policy or any plan you’re considering to understand these limitations. For those with existing dental issues, dental savings plans can be a great option, as they do not have the same restrictions found with dental insurance.

Dental insurance plans in Arkansas operate on a premium basis, where you pay a monthly premium to access coverage for dental services. These plans generally cover a range of procedures and often include deductibles, co-pays, and annual maximums, which can vary depending on the specific plan chosen. Alternatively, dental savings plans operate on a membership basis, where you pay a low annual fee to access reduced rates at participating dentists without restrictions.

The cost of dental insurance plans in Arkansas varies depending on the provider and the specific plan selected. Typically, monthly premiums range from $25 to $50 per month for an individual plan, while family plans can range from $75 to $150 per month. These premiums provide access to coverage for a wide range of dental services, helping make dental care more affordable.

Selecting the best dental insurance plan involves comparing different providers and plans to find the one that best suits your needs. Consider key factors such as the range of services covered, the size of the network, the premiums, deductibles, co-pays, and the annual maximums. DentalPlans.com simplifies this process by helping Arkansas residents compare over 25 dental plans all in one place. With our guided online plan finder, which provides a personalized plan recommendation, it’s easy to discover an affordable dental plan that fits your needs in Arkansas.

Dental insurance in Arkansas typically covers emergency dental procedures, but check plan details to understand your options in an emergency – do you need to stay within network, or can you see any dentist if it’s an emergency? Are any waiting periods in place that are not waived for an emergency? Any information you need to supply to prove to your insurer that you needed emergency care?

That depends on your insurance plan. The two most common types of Dental Insurance available in Arkansas are Dental Health Maintenance Organization (DHMO) and Preferred Provider Organization (PPO) plans. With a DHMO you can only see in-network dentists. With PPO dental insurance you can see any dentist or dental specialist that accepts your insurance but may pay more if you go out of network.

Dental insurance in Arkansas typically does not cover cosmetic procedures, and dental implants are considered to be cosmetic care. You may be able to find dental insurance that does offer coverage for dental implants, as this is increasingly being seen as the optimum way to restore missing teeth. If you can’t find dental insurance that includes coverage for dental implants, consider joining a dental savings plan. These plans are an alternative to dental insurance and often do include discounts on dental implants and other cosmetic procedures as well as virtually all types of major dental procedures including bridges, dentures, braces and many more.

Yes, family dental plans are widely available throughout the state. The most common type of dental insurance in Arkansas are Dental Health Maintenance Organization (DHMO) and Preferred Provider Organization (PPO) plans. DHMO typically offers lower premiums and no annual maximum spending limit, but you can only see in-network dentists. With PPO dental insurance you can see any dentist or dental specialist that accepts your insurance but may pay more if you go out of network. You can also join a dental savings plan, an alternative to dental insurance with no waiting periods or annual spending limits. 

Yes, although original Medicare doesn’t include regular dental coverage. Medicare Advantage plans often do offer dental insurance, but review plan details to make sure you’re getting the coverage you need – basic or preventive plans typically only include check-ups and cleanings and perhaps minor procedures like small fillings. If you need more than that, look for full coverage plans. People over 55 may want to review AARP dental insurance plans, which are designed to offer coverage for treatments an older adult often needs. And dental savings plans are an affordable alternative to dental insurance that can save you money on virtually any dental procedure, at more than 140,000 dentists nationwide, with no annual deductible or annual spending limits.