Small Business Dental Plans

Whether you’re looking for a plan for yourself or your employees, HMSA Dental has you covered. Compare our plans to choose the one that best fits your needs. You don’t need an HMSA medical plan, to offer an HMSA dental plan.

Benefits and dollar amounts below are for services received from participating providers.

2025 Plans

Preferred Provider Plans

Get the freedom to choose your own dentist. See a PPO Dental Network for lower out-of-pocket costs.

Plan Deductible Calendar year maximum Max out-of-pocket Monthly premiums
Essential
Pediatric

Plan Benefits

  (amount you pay)

Preventative

Exams: $0

X-rays: $0

Cleanings: $0

Fluoride: $0

Routine/Basic

Fillings: 30%

Periodontal: 30% Scaling and Root Planing

Root Canals: 30%

Major

Simple and Surgical Extractions: 50%

Crowns: 50% Metal Noble Crowns

$0 None $400 child / $800 (2+ children) max $36.65 / ages 0 - 18
PPO Bronze 1000
Pediatric

Plan Benefits

  (amount you pay)

Preventative

Exams: 10%

X-rays: 10%

Cleanings: 10%

Fluoride: 10%

Routine/Basic

Fillings: 40%

Periodontal: 40% Scaling and Root Planing

Root Canals: 40%

Simple Extractions: 40%

Major

Crowns: 60% Metal Noble Crowns

Surgical Extractions: 60%

$25 Applies to all categories None $400 child / $800 (2+ children) max $30.93 / ages 0 - 18
Adult

Plan Benefits

  (amount you pay)

Preventative

Exams: 10%

X-rays: 10%

Cleanings: 10%

Routine/Basic

Fillings: 40%

Periodontal: Not covered

Root Canals: Not covered

Simple Extractions: 40%

Major

Crowns: Not covered

Surgical Extractions: Not covered

Waiting period(s)

6 Months for Basic Care

$25 Applies to all categories $1,000 Not applicable $14.66 / age 19+
PPO Platinum 1000
Pediatric

Plan Benefits

  (amount you pay)

Preventative

Exams: $0

X-rays: $0

Cleanings: $0

Fluoride: $0

Routine/Basic

Fillings: 30%

Periodontal: 30% Scaling and Root Planing

Root Canals: 30%

Major

Simple and Surgical Extractions: 30%

Crowns: 30% Metal Noble Crowns

$0 None $400 child / $800 (2+ children) max $39.20 / ages 0 - 18
Adult

Plan Benefits

  (amount you pay)

Preventative

Exams: $0

X-rays: $0

Cleanings: $0

Routine/Basic

Fillings: 30%

Major

Crowns: 30%

Periodontal: 30% Scaling and Root Planing

Root Canals: 30%

Simple and Surgical Extractions: 30%

Waiting period(s)

12 Months for Major Care

$0 $1,000 Not applicable $36.50 / age 19+
PPO Gold 1500
Pediatric

Plan Benefits

  (amount you pay)

Preventative

Exams: $0

X-rays: $0

Cleanings: $0

Fluoride: $0

Routine/Basic

Fillings: 30%

Periodontal: 30% Scaling and Root Planing

Root Canals: 30%

Major

Crowns: 50% Metal Noble Crowns

Simple and Surgical Extractions: 50%

$0 None $400 child / $800 (2+ children) max $37.73 / ages 0 - 18
Adult

Plan Benefits

  (amount you pay)

Preventative

Exams: $0

X-rays: $0

Cleanings: $0

Routine/Basic

Fillings: 30%

Major

Crowns: 50%

Periodontal: 50% Scaling and Root Planing

Root Canals: 50%

Simple and Surgical Extractions: 50%

Waiting period(s)

12 Months for Major Care

$0 $1,500 Not applicable $34.74 / age 19+
PPO Platinum 1500 Plus
Pediatric

Plan Benefits

  (amount you pay)

Preventative

Exams: $0

X-rays: $0

Cleanings: $0

Fluoride: $0

Routine/Basic

Fillings: 30%

Periodontal: 30% Scaling and Root Planing

Root Canals: 30%

Major

Crowns: 30% Metal Noble Crowns

Simple and Surgical Extractions: 30%

Orthodontics: 100% up to lifetime maximum of $1,000

$0 None $400 child / $800 (2+ children) max $40.16 / ages 0 - 18
Adult

Plan Benefits

  (amount you pay)

Preventative

Exams: $0

X-rays: $0

Cleanings: $0

Routine/Basic

Fillings: 30%

Major

Crowns: 30%

Periodontal: 30%

Root Canals: 30%

Simple and Surgical Extractions: 30%

Waiting period(s)

12 Months for Major Care

$0 $1,500 Not applicable $42.30 / age 19+

Health Maintenance Organization Plans

See dentists in our HMO Dental Network.

Plan Deductible Calendar year maximum Max out-of-pocket Monthly premiums
HMO Silver
Pediatric

Plan Benefits

  (amount you pay)

Preventative

Exams: $10

X-rays: $5 & Up

Cleanings: $10

Fluoride: $5

Routine/Basic

Fillings: $40 & Up

Periodontal: $90 & Up Scaling and Root Planing

Root Canals: $285 and Up

Major

Crowns: $250 & Up Metal Noble Crown

$0 None $400 child / $800 (2+ children) max $20.21 / ages 0 - 18
Adult

Plan Benefits

  (amount you pay)

Preventative

Exams: $10

X-rays: $5 & Up

Cleanings: $10

Routine/Basic

Fillings: $40 & Up

Major

Periodontal: $90 & Up Scaling and Root Planing

Root Canals: $285 and Up

Crowns: $225 & Up

Waiting period(s)

12 Months for Major Care

$0 None Not applicable $17.73 / age 19+
HMO Gold
Pediatric

Plan Benefits

  (amount you pay)

Preventative

Exams: $0

X-rays: $0

Cleanings: $10

Fluoride: $0

Routine/Basic

Fillings: $35 & Up

Periodontal: $50 & Up Scaling and Root Planing

Root Canals: $50 & Up

Major

Crowns: $100 Metal Noble Crowns

$0 None $400 child / $800 (2+ children) max $25.54 / ages 0 - 18
Adult

Plan Benefits

  (amount you pay)

Preventative

Exams: $0

X-rays: $0

Cleanings: $10

Routine/Basic

Fillings: $35 & Up

Major

Periodontal: $50 & Up

Root Canals: $50 & Up

Crowns: $100 & Up

Waiting period(s)

12 Months for Major Care

$0 None Not applicable $27.24 / age 19+

2024 Plans

Preferred Provider Plans

Get the freedom to choose your own dentist. See a PPO Dental Network for lower out-of-pocket costs.

PlanDeductibleCalendar year maximumMax out-of-pocketMonthly premiums
Essential
Pediatric

Plan Benefits

  (amount you pay)

Preventative

Exams: $0

X-rays: $0

Cleanings: $0

Fluoride: $0

Routine/Basic

Fillings: 30%

Periodontal: 30% Scaling and Root Planing

Root Canals: 30%

Major

Simple and Surgical Extractions: 50%

Crowns: 50% Metal Noble Crowns

$0None$400 child / $800 (2+ children) max$36.65 / ages 0 - 18
PPO Bronze 1000
Pediatric

Plan Benefits

  (amount you pay)

Preventative

Exams: 10%

X-rays: 10%

Cleanings: 10%

Fluoride: 10%

Routine/Basic

Fillings: 40%

Periodontal: 40% Scaling and Root Planing

Root Canals: 40%

Simple Extractions: 40%

Major

Crowns: 60% Metal Noble Crowns

Surgical Extractions: 60%

$25 Applies to all categoriesNone$400 child / $800 (2+ children) max$30.93 / ages 0 - 18
Adult

Plan Benefits

  (amount you pay)

Preventative

Exams: 10%

X-rays: 10%

Cleanings: 10%

Routine/Basic

Fillings: 40%

Periodontal: Not covered

Root Canals: Not covered

Simple Extractions: 40%

Major

Crowns: Not covered

Surgical Extractions: Not covered

Waiting period(s)

6 Months for Basic Care

$25 Applies to all categories$1,000Not applicable$14.66 / age 19+
PPO Platinum 1000
Pediatric

Plan Benefits

  (amount you pay)

Preventative

Exams: $0

X-rays: $0

Cleanings: $0

Fluoride: $0

Routine/Basic

Fillings: 30%

Periodontal: 30% Scaling and Root Planing

Root Canals: 30%

Major

Simple and Surgical Extractions: 30%

Crowns: 30% Metal Noble Crowns

$0None$400 child / $800 (2+ children) max$39.20 / ages 0 - 18
Adult

Plan Benefits

  (amount you pay)

Preventative

Exams: $0

X-rays: $0

Cleanings: $0

Routine/Basic

Fillings: 30%

Major

Crowns: 30%

Periodontal: 30% Scaling and Root Planing

Root Canals: 30%

Simple and Surgical Extractions: 30%

Waiting period(s)

12 Months for Major Care

$0$1,000Not applicable$36.50 / age 19+
PPO Gold 1500
Pediatric

Plan Benefits

  (amount you pay)

Preventative

Exams: $0

X-rays: $0

Cleanings: $0

Fluoride: $0

Routine/Basic

Fillings: 30%

Periodontal: 30% Scaling and Root Planing

Root Canals: 30%

Major

Crowns: 50% Metal Noble Crowns

Simple and Surgical Extractions: 50%

$0None$400 child / $800 (2+ children) max$37.73 / ages 0 - 18
Adult

Plan Benefits

  (amount you pay)

Preventative

Exams: $0

X-rays: $0

Cleanings: $0

Routine/Basic

Fillings: 30%

Major

Crowns: 50%

Periodontal: 50% Scaling and Root Planing

Root Canals: 50%

Simple and Surgical Extractions: 50%

Waiting period(s)

12 Months for Major Care

$0$1,500Not applicable$34.74 / age 19+
PPO Platinum 1500 Plus
Pediatric

Plan Benefits

  (amount you pay)

Preventative

Exams: $0

X-rays: $0

Cleanings: $0

Fluoride: $0

Routine/Basic

Fillings: 30%

Periodontal: 30% Scaling and Root Planing

Root Canals: 30%

Major

Crowns: 30% Metal Noble Crowns

Simple and Surgical Extractions: 30%

Orthodontics: 100% up to lifetime maximum of $1,000

$0None$400 child / $800 (2+ children) max$40.16 / ages 0 - 18
Adult

Plan Benefits

  (amount you pay)

Preventative

Exams: $0

X-rays: $0

Cleanings: $0

Routine/Basic

Fillings: 30%

Major

Crowns: 30%

Periodontal: 30%

Root Canals: 30%

Simple and Surgical Extractions: 30%

Waiting period(s)

12 Months for Major Care

$0$1,500Not applicable$42.30 / age 19+

Health Maintenance Organization Plans

See dentists in our HMO Dental Network.

PlanDeductibleCalendar year maximumMax out-of-pocketMonthly premiums
HMO Silver
Pediatric

Plan Benefits

  (amount you pay)

Preventative

Exams: $10

X-rays: $5 & Up

Cleanings: $10

Fluoride: $5

Routine/Basic

Fillings: $40 & Up

Periodontal: $90 & Up Scaling and Root Planing

Root Canals: $285 and Up

Major

Crowns: $250 & Up Metal Noble Crown

$0None$400 child / $800 (2+ children) max$20.21 / ages 0 - 18
Adult

Plan Benefits

  (amount you pay)

Preventative

Exams: $10

X-rays: $5 & Up

Cleanings: $10

Routine/Basic

Fillings: $40 & Up

Major

Periodontal: $90 & Up Scaling and Root Planing

Root Canals: $285 and Up

Crowns: $225 & Up

Waiting period(s)

12 Months for Major Care

$0NoneNot applicable$17.73 / age 19+
HMO Gold
Pediatric

Plan Benefits

  (amount you pay)

Preventative

Exams: $0

X-rays: $0

Cleanings: $10

Fluoride: $0

Routine/Basic

Fillings: $35 & Up

Periodontal: $50 & Up Scaling and Root Planing

Root Canals: $50 & Up

Major

Crowns: $100 Metal Noble Crowns

$0None$400 child / $800 (2+ children) max$25.54 / ages 0 - 18
Adult

Plan Benefits

  (amount you pay)

Preventative

Exams: $0

X-rays: $0

Cleanings: $10

Routine/Basic

Fillings: $35 & Up

Major

Periodontal: $50 & Up

Root Canals: $50 & Up

Crowns: $100 & Up

Waiting period(s)

12 Months for Major Care

$0NoneNot applicable$27.24 / age 19+