Best Dental Insurance Plans in Missouri

Finding the best dental insurance while living in Missouri isn’t hard when you can tell what are the differences between your multiple options. You want dental insurance that covers your specific needs, and the only way to do it is by doing some research on the matter. Here are some of the most adequate providers for Missouri residents to help you decide.

Dental insurance typically covers:

• preventive care (cleanings, exams, X-rays) at 100%
• basic procedures (fillings) at 80%
• major procedures (crowns, dentures) at 50%. T

There are two main types of plans: medical plans with dental benefits and stand-alone plans with more flexibility. Complete coverage plans offer broader protection, including root canals, implants, and orthodontic care.

Costs vary but average around $360 per year. In addition to premiums, consider deductibles, copays, coinsurance, and annual maximums. 

Plan options include PPOs with flexible provider access, DHMOs with set rates and in-network limitations, and Indemnity plans that cover a percentage of service costs. Choose a plan based on your family’s specific dental needs and budget.

Anthem BCBS Essential Choice Silver Dental Plan 

PPO (Preferred Provider Organization)

• Monthly Cost: $32.20 (might vary upon location and date)
• Coverage Options:
  • Five plans are available for individuals or families
  • Covers services like teeth whitening, implants, and child orthodontics
  • All plans include tooth-colored fillings for back teeth

Common Procedures:

• Cleaning: 100% coverage
• White Filling: 50% coverage
• Crown: 50% coverage
• Root Canals: 50% coverage
• Simple Extraction: 50% coverage
• Plan Maximum: $1,000

Waiting Periods (essential to keep in mind):

• Preventive Services: None
• Basic Services: 3 months
• Major Services: 6 months

Deductible:

• Cost: $50 per person, up to $150 per family
• Waived: For diagnostic and preventive services in-network

Service Details:

• Exams and Cleanings: Covered once every 6 months (100% in-network)
• X-Rays: Covered with no waiting period (100% in-network)
• Fillings & Extractions: 50% coverage after deductible, with a waiting period for essential services
• Crowns, Root Canals, Dentures, Deep Cleanings: 50% coverage after deductible, with a 6-month waiting period
• Implants and Orthodontia (Braces): Not covered
• Teeth Whitening: 50% coverage after deductible, with a 6-month waiting period

Dentist Network:

• You can choose any dentist, but:
  • In-network dentists: Set rates, no extra charges
  • Out-of-network dentists May charge more, leading to “balance billing”

Important Note:

• PPO plans may only be available in some states.

Highlights

• Affordable monthly premium
• Comprehensive coverage for major services like root canals, crowns, and dentures
• Complete coverage for preventive care, with 100% for cleanings and exams with in-network dentists
• Waiting periods for services include no waiting for preventive care, 3 months for basic services, and 6 months for major
• Low deductible of $50 per person, waived for preventive services
• Flexibility in choosing dentists allows savings with in-network providers, though out-of-network may cost more
• Certain services, including implants and braces, are not covered in the plan

Selecting the best dental insurance in Missouri depends on understanding your family’s unique needs and comparing the available options. This plan provides solid value for Missouri residents for preventive care and flexibility in choosing dentists. However, viewing other plans, such as Humana Dental Preventative Plus, Delta Dental PPO Value Plan, and Cigna Dental 1500, is important for additional coverage options, price points, and network flexibility. Doing so ensures you select a plan that best suits your family’s oral health needs and budget.

Sources:

https://www.anthem.com/mo/individual-and-family

https://www.dentalinsurance.com/anthem-bluecross-blueshield/essential-choice-silver/