Dental Insurance Cost by State: 50-State Rate and Coverage Guide

Alabama has no state mandate for individual dental plans. Employers remain the main source of coverage for working adults. Most AL individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Alaska dental premiums run above the national average due to low provider density and high travel costs in rural areas. Most AK individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Arizona PPO plans commonly follow the 100-80-50 model with a $50 deductible as the modal value. Most AZ individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Arkansas individual plans often cap annual benefits near $1,500, so confirm the maximum before scheduling a crown. Most AR individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

California requires pediatric dental and orthodontic screening benefits for children. Medi-Cal covers dental care for eligible children and some adults. Most CA individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Colorado PPO plans frequently waive the deductible for preventive care; basic and major work still apply it. Most CO individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Connecticut mid-tier PPO products commonly quote a $100 deductible and a $2,000 annual maximum. Most CT individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Delaware small-group and individual plans commonly use a $50 deductible with 80% basic coverage. Most DE individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Florida retiree-heavy markets push up demand for implants; know that implants often fall outside the 50% major cap and may be excluded. Most FL individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Georgia dental PPO plans typically quote $1,500 annual maximums on individual policies. Most GA individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Hawaii plans are mostly employer-group; individual premiums tend to be higher than the mainland average. Most HI individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Idaho individual plans often carry a 12-month waiting period for crowns and bridges, so ask before enrolling. Most ID individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Illinois marketplace dental plans must cover pediatric services; adult orthodontics is usually a separate rider. Most IL individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Indiana dental insurers commonly set a $50 deductible and $1,500 annual maximum on standard PPO products. Most IN individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Iowa budget-tier individual policies frequently offer lower annual maximums around $1,500. Most IA individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Kansas dental plans typically quote a $50 deductible; preventive care is covered at 100% before the deductible. Most KS individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Kentucky individual dental plans commonly cap annual benefits near $1,500 to $2,000. Most KY individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Louisiana plans frequently use a 12-month waiting period for major services on new individual policies. Most LA individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Maine marketplace dental plans must cover pediatric care; adult plans follow the standard 100-80-50 split. Most ME individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Maryland individual dental plans commonly quote $100 deductibles and $2,000 annual maximums. Most MD individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Massachusetts dental plans often run $2,000 annual maximums; premiums sit above the national median. Most MA individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Michigan PPO plans commonly waive the deductible on preventive care and apply it only to basic and major work. Most MI individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Minnesota dental plans often include fluoride and sealant coverage for children at 100%. Most MN individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Mississippi individual plans frequently cap annual benefits near $1,500, a real constraint for crown work. Most MS individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Missouri dental PPO products typically quote $50 deductibles with $1,500 annual maximums. Most MO individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Montana plans keep a $50 deductible; rural provider networks can limit in-network choice. Most MT individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Nebraska dental plans commonly use a $50 deductible and 100-80-50 coverage tiers. Most NE individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Nevada individual plans frequently quote $50 deductibles; PPO in-network discounts are the main savings lever. Most NV individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

New Hampshire dental premiums run above the national average; annual maximums stay near $2,000. Most NH individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

New Jersey marketplace plans must cover pediatric dental; adult orthodontics is a common paid rider. Most NJ individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

New Mexico plans frequently quote $50 deductibles; Medicaid expansion covers dental for many adults. Most NM individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

New York uses community-rating rules so individual premiums stay near $42; the Department of Financial Services publishes consumer guidance. Most NY individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

North Carolina dental PPOs commonly quote $50 deductibles and $1,500 annual maximums. Most NC individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

North Dakota plans often use a $50 deductible; employer-group coverage dominates the market. Most ND individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Ohio dental plans typically follow the standard 100-80-50 model with a $50 deductible. Most OH individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Oklahoma individual plans frequently cap annual benefits near $1,500; confirm before committing to implants. Most OK individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Oregon plans commonly waive the deductible on preventive care; basic and major services apply it. Most OR individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Pennsylvania dental PPOs typically quote $50 deductibles with $1,500 annual maximums on individual plans. Most PA individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Rhode Island marketplace plans must cover pediatric dental; individual adult premiums are above average. Most RI individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

South Carolina dental plans commonly use a $50 deductible and 100-80-50 tiers. Most SC individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

South Dakota plans often quote a $50 deductible; rural networks may mean longer travel for specialists. Most SD individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Tennessee dental PPO products typically carry $50 deductibles and $1,500 annual maximums. Most TN individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Texas has no state-mandated dental benefit on individual health plans; standalone and discount dental plans are popular and pull average premiums down. Most TX individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Utah plans commonly use a $50 deductible; the state has a competitive market of PPO and discount-plan carriers. Most UT individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Vermont marketplace plans must cover pediatric dental; small-state markets mean fewer carrier choices. Most VT individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Virginia dental PPOs commonly quote $50 deductibles and $1,500 annual maximums. Most VA individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Washington plans frequently waive the deductible on preventive care and apply it only to basic and major work. Most WA individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

West Virginia individual plans often cap annual benefits near $1,500; check before scheduling a crown. Most WV individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Wisconsin dental plans typically follow the 100-80-50 model with a $50 annual deductible. Most WI individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.

Wyoming plans often quote a $50 deductible; sparse provider networks make in-network shopping important. Most WY individual and family plans follow the 100-80-50 model: preventive care is covered at 100 percent with no deductible, basic work at 80 percent after the deductible, and major work at 50 percent up to the annual maximum.