Family Dental Insurance in Horry County: What You Need to Know
Horry County's entire economy is built on Grand Strand beach tourism — over 60 miles of Atlantic coastline serviced by a massive hospitality workforce of hotel workers, restaurant staff, and entertainment employees who typically lack employer dental benefits.
For a family, the rules differ for the kids and the parents. Under the ACA, dental care is an essential health benefit for children but not for adults. Of the 48 health plans sold in Horry County for 2026, from Ambetter from Absolute Total Care, BlueCross BlueShield of South Carolina and First Choice Next, none is required to include adult dental coverage.
How Family Dental Plans Are Priced in Horry County
SecureDental PLUS pricing is set by tier, network and state, not age: the Premium tier on the National Options PPO 30 network came to $44.63 a month for one adult in a Texas quote in August 2026. Add a $7.95 monthly association fee and a $10 one-time fee where the plan is issued through its sponsoring association.
Under a family dental plan, each person’s claims count against their own deductible until the family cap is reached ($50 per person and $150 per family on SecureDental PLUS), and preventive care generally skips the deductible.
Where to Use Family Dental Coverage in Horry County
No website can reliably tell you which dentists in Horry County take a particular plan. Offices join and leave networks, so search the plan’s provider directory by the family’s dentists’ name and ZIP code, then call the office to confirm.
The first choice is PPO or HMO. A dental HMO usually has the lower premium but only pays network dentists, often through an assigned office; a dental PPO still pays something out of network, which matters if your current dentist isn’t in any HMO near Horry County.
Buying dental through HealthCare.gov means buying a health plan in the same application, so the choice in Horry County starts with its 48 health plans from Ambetter from Absolute Total Care, BlueCross BlueShield of South Carolina and one other. Off the Marketplace, a stand-alone dental plan isn’t tied to Open Enrollment at all. Put your ZIP code in the form below and Daniel will pull the dental plans sold at that address.
Serious dental emergencies, such as spreading infection or a broken jaw, are usually treated in a hospital and billed to health insurance rather than the dental plan. Medicare’s hospital directory lists 3 hospitals with emergency services in Horry County, including Conway Medical Center, Grand Strand Regional Medical Center and Tidelands Waccamaw Community Hospital.
Call (713) 575-9904 and Daniel will send the dental plans sold in Horry County and check your family’s providers against each network.