How Much Does Dental Insurance Cost in Tulsa, OK?
Tulsa pricing is 18% below the national average. Updated for 2026.
Based on local labor rates, humid-subtropical climate conditions, and Tulsa's energy-aerospace-healthcare economy.See our methodology
Dental Insurance Pricing in Tulsa, OK
Tulsa is one of the more affordable markets for dental insurance, with costs running about 18% below the national average. The city's energy-aerospace-healthcare economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 400K-population metro area is straightforward.
Local climate plays a direct role in dental insurance costs here. Tornado alley location affects insurance and building standards; hot summers drive HVAC demand; severe storms create periodic repair surges.
Market-specific factors matter in Tulsa: energy sector economy creates boom-bust cycles affecting contractor availability; overall affordable market.
Tulsa has moderate permitting requirements. Depending on the scope of your dental insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Tulsa vs National Average
What Affects Dental Insurance Cost in Tulsa?
Plan Type
DHMO: $15-$25/month (limited network). PPO: $25-$60/month (more flexibility)
Coverage
Preventive: 100%. Basic (fillings): 70-80%. Major (crowns): 50%. Annual max: $1,000-$2,000
Tulsa Market Conditions
energy sector economy creates boom-bust cycles affecting contractor availability; overall affordable market
Local Climate Impact
tornado alley location affects insurance and building standards; hot summers drive HVAC demand; severe storms create periodic repair surges
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Top-Rated Dental Insurance Pros in Tulsa, OK
6 providersApex Plumbing
⭐ PREMIUMServing Tulsa and surrounding areas since 1996. Licensed, insured, and committed to quality workmanship at fair prices.
Elite Plumbing
⭐ PREMIUMServing Tulsa and surrounding areas since 1999. Licensed, insured, and committed to quality workmanship at fair prices.
Apex Roofing & Siding
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Tips to Save on Dental Insurance in Tulsa
- 1.Preventive care is usually covered at 100% — use all your cleanings
- 2.Dental discount plans ($100-$200/year) can be cheaper than insurance for healthy teeth
- 3.If you need major work, buy insurance now — but note the 6-12 month waiting period
- 4.Max out your annual benefit before year-end if you need work done
📈 Dental Insurance in Tulsa Cost Trends (2020–2024)
Prices have increased +20.8% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $24 | — |
| 2021 | $25 | +4.2% |
| 2022 | $27 | +8.0% |
| 2023 | $28 | +3.7% |
| 2024 | $29 | +3.6% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Dental Insurance in Tulsa
Recent Reports
Frequently Asked Questions
Is dental insurance worth it?
If you use your two annual cleanings and need occasional fillings, insurance usually saves money. For major work, the annual maximum ($1,000-$2,000) limits the benefit.
Why does dental insurance cost different in Tulsa than other cities?
Tulsa's costs reflect local labor rates driven by the energy-aerospace-healthcare economy, humid-subtropical climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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