Best Dental Insurance in Texas for Families & You

If you visit a dentist outside your plan’s network, you may pay higher out-of-pocket costs, and your insurance may reimburse less or require you to file claims yourself.

Waiting periods are the amount of time you must be enrolled before certain services—like major crowns or implants—are covered. Basic preventive care often has no waiting period.

Some plans include orthodontic coverage for children, but this benefit is optional, may require an upgrade, and often has an age or lifetime limit.

Yes. Dental insurance is separate from health insurance in Texas and you can purchase a standalone dental plan even if you already have health coverage.

Major services usually include crowns, bridges, dentures, implants, and oral surgery—these often have lower reimbursement percentages and higher cost shares.

Annual maximums are the total amount your plan will pay in a year. Once the maximum is reached, you cover all additional services until the benefit year resets.

Mostly no. Cosmetic treatments like whitening or veneers are typically not covered because they are viewed as elective, not medically necessary.

Mid-year plan changes are uncommon. You may have to wait until open enrollment or the plan’s renewal date, unless a qualifying life event allows a change.

Yes. Medicare generally doesn’t cover routine dental care, dentures, or implants. Seniors often need a standalone dental plan to fill this gap.

Look at monthly premiums, deductibles, annual maximums, covered services, network size, waiting periods, and whether the plan includes children or senior benefits. Compare these to your usage and budget.