Missouri Dental Insurance That Actually Covers What Your Teeth Need
Many Missourians put off the dentist because of cost, not because they don't care about their teeth. Dental insurance can change that. Show Me Health Missouri connects Show-Me State residents, from St. Louis and Kansas City to Springfield, Columbia, and the rural Ozarks, with dental plans that cover preventive care, restorations, and major procedures, so you don't have to choose between your smile and your finances.
What Does Dental Insurance Cover?
Dental insurance is typically structured in three tiers - Preventive, Basic, and Major - each covered at different percentages depending on the plan:
Preventive Care
Routine cleanings, annual dental exams and X-rays, fluoride treatments, sealants for children, and oral cancer screenings are usually covered at the highest level.
Basic Restorative
Fillings (composite and amalgam), simple tooth extractions, periodontal treatment for gum disease, and emergency dental exams are typically covered after your deductible.
Major Procedures
Crowns, bridges, and inlays. Dentures (full and partial). Root canals and endodontics. Oral surgery and complex extractions. Dental implants are available on select plans.
Orthodontics
Braces for children and adults, Invisalign and clear-aligner discounts, and retainers and post-treatment care, with coverage varying by plan and often subject to a lifetime maximum.
Dental Insurance vs. Dental Discount Plans - What's the Difference?
Dental insurance operates like traditional health insurance: you pay monthly premiums and the plan pays a percentage of your dental bills after your deductible is met, up to an annual maximum. Dental discount plans are membership-based programs where you pay a flat monthly fee and receive pre-negotiated discounts when you visit in-network dentists. There's no deductible, no annual maximum, and no claims process, just a discount card. Show Me Health Missouri helps you determine which option, or which combination, makes the most financial sense for your dental care usage - whether you're near a large St. Louis dental network or a smaller Ozarks practice.
How Much Does Dental Insurance Cost?
The right dental plan for you depends on how much dental work you typically need each year, whether you have children (orthodontic coverage matters), and whether your preferred Missouri dentist is in-network. Ask your Show Me Health Missouri agent for current pricing.
Finding In-Network Dentists in Missouri
Show Me Health Missouri works with dental plans that include broad dentist networks, including major national carriers, so you can look for a dentist near your home, office, or your children's school, whether you're in a St. Louis or Kansas City suburb or a smaller Missouri town.
Ready to see your options?
Answer a few quick questions and a licensed advisor will email your personalized plan options within one business hour. 100% free, no obligation.