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Best Dental Insurance in Oklahoma City, OK

March 3, 2021, 12:13 p.m.

Teeth and gum problems are painful, but with dental benefits, you’ll be protected financially. Dental coverage lowers your out-of-pocket costs and often pays entirely for regular preventive care, which is important for overall health. We researched the best dental insurance in Oklahoma City so you enroll in a high-quality, cost-effective plan.

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How to choose dental insurance in Oklahoma City


Dental services are expensive. A trip to the office for routine preventive care can add up to several hundred dollars, and more extensive work, many times that.

Dental insurance in Oklahoma City helps cut down out-of-pocket costs of dental visits for all types of treatments and procedures. Here are some commonly covered services:

  • Oral exams, regular cleanings and X-rays (preventive care)
  • Sealants
  • Fillings
  • Emergency pain relief
  • Tooth extraction
  • Bridges, crowns, inlays
  • Root canals
  • Oral surgery
  • Dentures

Dental insurance is similar to health insurance in many respects. Plans may include a network of providers, a deductible and separate levels of coverage depending on the service. But dental insurance and health insurance do have key differences; for example, most dental plans cap the amount of yearly spending on benefits.

Three popular types of dental insurance in OKC are preferred provider organization (PPO) plans, dental health maintenance organization (DHMO) plans and indemnity, or fee-for-service, plans. Most cover preventive services at 100 percent with no deductible. You might also consider a dental savings plan, which is not the same as health insurance. Dentists who participate in the plan discount their services, but you pay 100 percent of the bill.

Type of plan Coverage for any dentist? Your costs
PPO Yes, but out-of-pocket costs are lower if you stay in network Monthly premium; deductible; coinsurance
DHMO No Monthly premium; copayments
Indemnity Yes Monthly premium; deductible; coinsurance
Dental savings No Monthly or annual fee; 100% of the discounted charges

How much is dental insurance in Oklahoma City?

The cost of dental insurance in Oklahoma City depends on your age, tobacco use, the type of plan you select and whether the plan is for an individual or multiple people.

For a 40-year-old who doesn’t use tobacco, an individual policy usually costs between $15 and $40 per month. For a family of four, including two kids, expect premiums between $60 and $150. Dental savings plans in OKC start at around $100 annually for an individual.

Before moving forward with dental insurance, find out if there are any waiting periods. Most policies cover preventive care immediately but have waiting periods of six to 12 months for other dental care. One advantage of dental savings plans is the discounts are available right after you sign up.



1Dental.com offers two dental discount plans in Oklahoma City, helping members save 15 - 60 percent on dental visits. Each plan gives you access to thousands of quality providers, allows you to see a specialist without a referral and includes discounts for orthodontics. Vision plans are included. Customers like 1Dental.com’s customer service and say they’ve experienced substantial savings.



Over 1 million customers have joined dental savings plans from DentalPlans.com since 1999. Oklahoma City residents can choose from over a dozen plans and start saving 10 - 60 percent on dental procedures right away. The company matches competitor prices and allows you to switch plans anytime. Reviewers mention the helpful staff and significant discounts from DentalPlans.com.



UnitedHealthcare, a leading U.S. health insurer, also offers stand-alone dental coverage. Plans are available for all needs and budgets. There’s no waiting period or deductible for preventive care, and basic and major services are covered. Reviewers say UnitedHealthcare provides strong dental benefits, but some policyholders report customer service issues.

ConsumerAffairs content is intended to be used for general information purposes only. Before you make any investment, it is very important to do your own analysis based on your own personal circumstances and consult with your own investment, financial, tax and legal advisors.