Affordable individual and family dental insurance plans in Minnesota and Wisconsin
Healthy teeth mean more than a great smile – they’re essential to the overall health of you and your family. At HealthPartners, we make it easier to get affordable, flexible dental care from expert dentists. Plus, when you combine our dental coverage with our medical plans, you can manage everything in one place. It’s convenience you can count on, with costs that won’t chew up your budget.
We offer personal dental plans throughout Minnesota, western Wisconsin and northeastern Wisconsin. You can sign up at any time – no need to wait for an enrollment period.
First, choose one of our two dental networks
The right network for you depends on where you live, where you want to receive care and which dentist you’d like to see. Explore both of our networks to see which will be best for you and your family.
The HPDG network features nearly 100 dentists and specialists providing reliable, top-notch care at clinics in and around the Twin Cities and St. Cloud.
Available throughout Minnesota and Wisconsin, our Open Access network offers access to most dentists across both states – as well as 85,000 dentists nationwide.
Once you’ve found a network you like, it’s time to pick a plan. We offer three types of dental plans, each with different levels of coverage depending on the kind of dental care you and your family need. Check out the highlights below – for complete details, see our personal dental plans guide (PDF).
60 or older? Check out our senior dental plans, designed specifically for older adults’ oral health.
Maintenance plan
If your teeth are healthy and you don’t think you’ll need a lot of dental work, consider choosing our Maintenance plan. This plan is ideal for people who expect just regular dental checkups and care for the occasional cavity.
Unless otherwise noted, the chart below lists what we pay when you see an in-network provider:
| Maintenance plan | Both networks |
|---|---|
| Your monthly premium | Starting at $30.51/month (HPDG network) or $35.55/month (Dental Open Access network) |
| Your deductible | $50/year |
| Diagnostic and preventive care | 100% before deductible (including two exams and cleanings per year) |
| Fillings | 80% after deductible (50% after deductible for white fillings on back teeth) |
| Simple extractions | Not covered |
| Endodontics | Not covered |
| Periodontics | Not covered |
| Major oral surgery | Not covered |
| Crowns | Not covered |
| Prosthetics, like bridges, dentures and implants | Not covered |
| Annual maximum (coverage limit) | $1,250/year |
Comprehensive plan
If you think you need more than the basics or might need additional dental work like crowns, the Comprehensive plan might be right for you. This plan is a great choice if you’re looking for coverage for a wide range of dental needs from preventive care to surgery, dental repair and more.
Unless otherwise noted, the chart below lists what we pay when you see an in-network provider:
| Comprehensive plan | Both networks |
|---|---|
| Your monthly premium | Starting at $41.59/month (HPDG network) or $48.57/month (Dental Open Access network) |
| Your deductible | $50/year |
| Diagnostic and preventive care | 100% before deductible (including two exams and cleanings per year) |
| Fillings | 80% after deductible (50% after deductible for white fillings on back teeth) |
| Simple extractions | 80% after deductible |
| Endodontics | 50% after deductible |
| Periodontics | 50% after deductible |
| Major oral surgery | 50% after deductible |
| Crowns | 50% after deductible |
| Prosthetics, like bridges, dentures and implants | 50% after deductible |
| Annual maximum (coverage limit) | $1,250/year |
Major plan
Have preventive care on a different plan but still want coverage for things like root canals and crowns? Our Major plan is a good option if you only need supplemental dental coverage for more significant dental work.
Unless otherwise noted, the chart below lists what we pay when you see an in-network provider:
| Major plan | Both networks |
|---|---|
| Your monthly premium | Starting at $23.18/month (HPDG network) or $29.23/month (Dental Open Access network) |
| Your deductible | $50/year |
| Diagnostic and preventive care | Sealants: 100% before deductible All other services: Not covered |
| Fillings | 80% after deductible (50% after deductible for white fillings on back teeth) |
| Simple extractions | 80% after deductible |
| Endodontics | 50% after deductible |
| Periodontics | 50% after deductible |
| Major oral surgery | 50% after deductible |
| Crowns | 50% after deductible |
| Prosthetics, like bridges, dentures and implants | 50% after deductible |
| Annual maximum (coverage limit) | $1,250/year |
Extra perks that come with all plans
In addition to great coverage and benefits, you’ll also have access to these additional perks:
- Coverage for dental care outside your network (at a reduced benefit)
- Additional benefits for members who are pregnant or living with diabetes through
MouthWise Matters - Savings on eyewear, hearing aids, fitness equipment and more through Healthy Discounts℠
- Our HealthPartners mobile app, with 24/7 access to benefit details, claims, dental provider directories and much more
- Award-winning, locally based Member Services
- And more
We offer personal dental plans throughout Minnesota, western Wisconsin and northeastern Wisconsin. You can sign up at any time – no need to wait for an enrollment period.
New to buying your own dental plan or dental insurance in general? We have the details on what dental insurance covers and how to compare dental plans so you can make the best choice for you and your family.
In addition to our individual and family dental plans, we offer affordable medical plans designed with the benefits and coverage you need. With both your dental and medical plan through the same company, it’s easy to manage all your plans in one place.