Dental plans in Oklahoma are within the budget of most consumers. Plans can be basic, covering routine exams and cleanings, or comprehensive, covering minor and major dental procedures. Prices range from under $10 a month per covered person to more than $20 a month. Dental insurance companies in Oklahoma are regulated by the Oklahoma Insurance Department (OID).

Dental coverage in Oklahoma includes HMO, PPO and indemnity plans. HMO plans pay participating dentists a fixed fee for each procedure. Dentists participating in a PPO charge you a reduced rate negotiated by the insurance company. Indemnity plans are the most flexible, but also the most expensive; you choose any dentist and are reimbursed a percentage (usually between 50% and 80%) of the charges. When purchasing dental insurance, Oklahoma consumers should keep these things in mind:

1. A dental discount plan and dental insurance are not the same thing. If you're not sure about a plan, contact the OID for clarification.

2. Plans that cover 100% of routine exams and cleanings pay off. Regular check-ups catch problems before they escalate into costly procedures.

3. Oklahoma dental coverage does not always include orthodontic care. If you suspect a child will need braces, choose your plan carefully.

Action Steps
The best contacts and resources to help you get it done

Choose a plan the does nothing but dental

Dental plans in Oklahoma are available from many insurance carriers. However, individuals often find the best benefits from a company that only handles dental insurance. Employers often find that the most affordable dental options don't come from their group health insurance provider, but from an Oklahoma dental insurance company.

I recommend: When it comes to dental insurance, Oklahoma consumers can count on Delta Dental. Plans are available for individuals and for employers.

Bundle Oklahoma individual dental insurance with your health coverage

Individuals who need both health and dental insurance should get quotes from the major health care providers in Oklahoma.

I recommend: Oklahoma dental coverage is available as part of an overall medical plan or as separate insurance from Blue Cross/Blue Shield of Oklahoma. Humana One also offers dental coverage as part of their health care plans.

Provide employees with group dental insurance in Oklahoma

Dental insurance is one of the most sought after benefits by employees. Even small businesses can find affordable coverage for their employees.

I recommend: Use the Internet to request quotes from a variety of insurance companies. DentalPlans.com works with a number of well-known companies. Buyer Zone allows you to select your city and then request a quote from providers in your area.

Locate coverage for needy individuals through a volunteer network

Despite the low cost of Oklahoma dental plans, some individuals may not be able to afford coverage.

I recommend: Donated Dental Services offers dental care for patients who are disabled, elderly or have a serious medical condition. You can download an application for services from the website.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Although discount dental plans may seem less expensive than Oklahoma dental insurance, you will pay more out-of-pocket for each visit and are often severely limited in the dentists you can see. For the few extra dollars each month, dental insurance is usually a better option.