Find Dental Insurance Plans in Utah

Dental savings plans and dental insurance are two different options for managing dental care costs. Dental insurance typically involves monthly premiums, deductibles, and co-pays for dental services. It may have waiting periods, exclusions for pre-existing conditions, and annual maximums. On the other hand, dental savings plans have a low annual membership fee and then provide access to discounts on various dental services from participating dentists. These plans activate right away and do not have annual limits or restrictions on existing dental health conditions. While dental insurance typically covers preventive care at 100% (and other procedures at a lower percentage), dental savings plans are often the best choice for those who need immediate dental care or anticipate needing more than just preventive care.

Most dental insurance plans in Utah cover a range of procedures, including preventive care such as cleanings, exams, and X-rays, which are often fully covered. Basic restorative care, including fillings and root canals, is typically only partially covered, meaning you will have some out-of-pocket expenses. Major restorative care, such as crowns and bridges, generally has limited coverage, resulting in higher out-of-pocket costs. Coverage for specialized procedures like dental implants may vary and often involves significant additional expenses.

Yes, many dental insurance plans include coverage for emergency dental care. It’s essential to check the specific terms of your plan to understand what constitutes an emergency and the extent of coverage provided. Dental savings plans can also be used for emergency dental care and can typically be activated same-day.

Some dental insurance plans cover orthodontic treatments, such as braces and aligners for children. However, coverage can vary significantly and be subject to annual or lifetime coverage limits, so it’s important to review the details of any plans you’re considering. Dental savings plans, a membership-based savings program, offer discounts on orthodontics for both children and adults with no annual limits or restrictions.

Yes, many dental insurance plans cover oral surgery procedures, including wisdom teeth extraction, especially if the extraction is deemed medically necessary. Coverage can vary depending on the specifics of your plan, such as the type of insurance plan, the insurance company, and the details of the procedure. 

Most dental savings plans also offer discounts on oral surgery procedures, including wisdom teeth extraction, at any participating dentist or oral surgeon. These plans operate on a membership-based model. An annual fee provides plan members with access to significantly reduced rates on virtually all dental procedures.

The cost of dental insurance in Utah varies based on several factors, including the type of dental plan, the level of coverage, and the insurer. On average, individual dental insurance premiums in Utah range from about $20 to $55 per month. For family coverage, premiums typically fall between $35 and $110 per month. These figures can differ depending on the specific plan and coverage options you select.

DentalPlans.com can help you find the best dental plan for your needs and budget. Evaluate over 25 dental insurance plans and dental savings plans from top providers in Utah all in one place. Want a personalized plan recommendation? Answer a few quick questions and we’ll recommend the best plan for you and your family with our guided online plan finder.