Affordable dental insurance plans

Discover budget friendly dental insurance plans. We’ll help you find the best dental plan for the best value, no matter what you’re looking for.

What does dental insurance typically cover?

Dental insurance pays a percentage of the cost of preventive care and other dental treatments until you hit your annual maximum (typically $1,000-$1,500) after which you pay out of pocket until your plan resets. Here’s what dental insurance typically covers:

Preventive care

Dental insurance typically covers the cost of your preventive care at 100%—including checkups, routine teeth cleanings, and bitewing x-rays.

Basic care

Most dental insurance plans cover 80% of basic dental care, like cavity fillings, simple extractions, and even some deep teeth cleanings until you hit your annual maximum.

Major care

Dental insurance will usually only cover 50% of root canals, crowns, bridges, dentures—and most of your major dental care—up to your maximum. You’ll cover the rest.

Is dental insurance right for me?

Many people are surprised how different dental insurance works compared to medical insurance. Learn the ins and outs of dental insurance below.

Preventative care is covered

Routine teeth cleanings and other preventive care are usually covered at 100%.

Quality care anywhere

Most dental insurance plans allow you to see dentists in and out of network. We recommend calling the dentist beforehand to see if you’re covered.

Backed by trusted brands

The dental insurance plans we offer are backed by carriers you can trust, including Aetna, Humana, Delta Dental, Renaissance, and more.

Know your maximum

Once you’ve reached your annual maximum (sometimes with a single costly procedure), you’ll be responsible for 100% of your dental care for the rest of the year.

Waiting periods apply

Many insurance plans have waiting periods for basic and major procedures which can range from 6 months to a year. Pre-existing conditions may never be covered.

Plan for your deductible

A deductible is the amount you spend at the dentist each calendar year before your plan starts paying a percentage of your eligible dental services.

Find a dental plan that’s right for you.

We connect our customers to the best plans for better dental health in minutes.

Let’s compare insurance plans to see which fits you best.

Dental insurance plans vary in cost and coverage—and it’s important to know what you’ll get when you sign up. Here’s a look at a few of the plans we offer.

Aetna Dental Direct Preferred PPO Delta Dental PPO Premium Plan Renaissance Dental Insurance Plan
Preventative Care
Routine check ups, Cleanings, and X-Rays
Deductible waived
100% 100%
Deductible waived with in-network providers
Basic Procedures
Fillings, extractions, emergency care for pain relief
80% 80%
in network
out of network
(100% for pain relief care in network)
Major Procedures
Root canals, crowns, dentures, bridges, etc
50% 50% 50%
with in- and out of network providers
Orthodontic (braces) Not covered Covered at 50% Not covered
Cosmetic services Not covered Not covered Not covered
Dental implants Not covered Covered at 50% Covered at 50%
Annual benefit maximum (per person) $1,250 $2,000 $1,000
per person
per family
per person
per family
per person
per family
Waiting Period
6 months
for basic
12 months
for major
6 months
for basic
12 months
for major
6 months
for basic
12 months
for major
Cost Starting at
$24.22 a month
Starting at
$25.15 a month
Starting at
$35.60 a month
View This Plan View This Plan View This Plan
Costs vary according to the type of dental insurance you choose and the coverage it offers.
Frequently Asked Questions

How much is dental insurance in 2024?

The cost of dental insurance varies widely based the type of plan (DHMO or PPO), the coverage provided (for example, preventive only vs. comprehensive), and whether it’s group or private dental insurance. Also, the cost of dental insurance may be higher in major metropolitan areas. In general, for an individual, basic dental insurance is roughly $30+ a month ($360+ annually), a mid-range plan is $50+ a month ($600+) on average, and comprehensive coverage is $70+ a month ($850+). Family plans can exceed $100 a month ($1,200).

What if I don’t have any insurance? Can I still see a dentist?

You don’t need to have dental insurance to get dental care. To reduce costs without insurance, you can join a dental savings plan, use your Health Savings Account (HSA) or Flexible Spending Account (FSA), or pay the dentist directly out of your own pocket.

Do I have to see an in-network dentist?

If you have a Dental Health Maintenance Organization (DHMO) plan, you must see an in-network dentist. With Dental Preferred Provider Organization (DPPO) insurance, you can see any dentist that accepts your plan but may get the lowest rates from in-network dentists. With a dental savings plan, you can see any participating dentist.

Will dental insurance help me pay for dental implants?

Dental insurance often classifies dental implants as an optional cosmetic procedure – since there are less-expensive and effective options to restore missing teeth – and therefore may not pay for this treatment. Check the specifics of the insurance plan you’re interested in. Most dental savings plans offer reduced rates on dental implants as well.

What type of dental plan should I get?

If cost is your primary focus, a DHMO plan is the least expensive option – lower premiums, flat rate co-pays and no deductible. If choosing your own dentist is important to you, as it is to many people, a DPPO may be the best option. If you need expensive dental treatments, such as dentures, braces, bridges or implants, a dental savings plan is likely to be your best choice as these plans have no annual spending limit. 

Find a dental plan that’s right for you.

We connect our customers to the best plans for better dental health in minutes.

Find a dental plan near you.

Select your state to find a dental insurance plan in your area.