Affordable Dental Coverage for Individuals, Families, and Businesses
Dental health is an essential part of overall wellness, yet many people overlook dental insurance when evaluating their coverage options. Without a dental plan, routine care like cleanings and exams comes out of pocket, and unexpected procedures like crowns, root canals, or extractions can cost hundreds or even thousands of dollars.
At PHX Insurance Advisors, we help individuals, families, and businesses across Arizona find dental insurance plans that provide meaningful coverage for both preventive and major dental care.
Regular dental care isn’t just about keeping your teeth clean, it’s connected to your overall health. Research has linked poor oral health to a range of systemic conditions including heart disease, diabetes, and respiratory infections. Preventive dental care helps catch problems early when they’re simpler and less expensive to treat.
Without dental coverage:
Dental insurance helps manage these costs by covering a significant portion of preventive care at little or no cost to you, and by reducing your out-of-pocket expenses for more extensive procedures.
Most dental plans organize coverage into three tiers:
Preventive services are typically covered at 80% to 100% under most dental plans. These include:
Preventive coverage encourages regular dental visits, helping you avoid costly problems by catching issues early.
Basic services are generally covered at 70% to 80% and include:
Major services typically receive 50% coverage and include:
Some dental plans include orthodontic benefits, typically covering a portion of braces or clear aligner treatment. Orthodontic coverage is particularly valuable for families with children who may need treatment. Adult orthodontic coverage availability varies by plan.
We help our clients compare several types of dental insurance to find the best value:
Offers a network of preferred providers at discounted rates while still allowing you to see out-of-network dentists at a higher cost.
Typically has lower premiums and no annual maximums but requires you to use in-network providers and select a primary dentist.
Allow you to see any dentist and submit claims for reimbursement, offering the most flexibility at a higher premium.
Not insurance, but membership programs that provide reduced fees at participating providers.
Dental coverage is valuable for virtually everyone, but it’s especially important for:
Choosing dental insurance involves balancing several factors:
We compare plans across carriers and present your best options so you can choose coverage that fits your dental care needs and budget.
No cost, no obligation. Our advisors will compare plans from top carriers and find the best fit for you.
