Blue Cross Blue Shield of Arizona (BCBSAZ) offers affordable dental insurance options for individuals and families through its PPO and DHMO networks. Some plans provide comprehensive coverage with 100% in-network coverage for preventive and diagnostic services such as exams, cleanings, and certain X-rays, while basic services like fillings are covered at 80% in-network after a $50 deductible as an example. Major services, including crowns and bridges, are covered under certain plans. Some plans have no waiting periods, specifically most DHMO plans.
Monthly premiums vary by age, starting around $14.87 for those under 19 and $18.13 for adults, making these plans flexible for single adults or families seeking standalone dental coverage separate from medical insurance. Child Only, which focus on pediatric needs with varying annual maximum benefits to accommodate different levels of coverage are also available.
Some child-only plans typically mirror the structure of individual PPO options, offering 100% coverage for preventive care like cleanings and exams, along with benefits for basic and major services after deductibles, and may include orthodontics at reduced rates. Designed for dependents under 19, they ensure access to routine and emergency dental care without requiring family enrollment, often at lower premiums to support growing smiles and oral health development.
Individual, family, child-only, and senior dental coverage prices, plans, and enrollment may be found through this link.