Affordable dental insurance plans
Discover budget friendly dental insurance plans. We’ll help you find the best dental insurance plan for the best value, no matter what you’re looking for.
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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:
![](https://www.dentalplans.com/wp-content/uploads/2023/10/Tooth-Shield-2x.png?w=193)
Preventive care
![](https://www.dentalplans.com/wp-content/uploads/2023/10/toothbrush-2x.png?w=193)
Basic care
![](https://www.dentalplans.com/wp-content/uploads/2023/10/crown-2x.png?w=193)
Major care
Is dental insurance right for me?
Many people are surprised how different dental coverage works compared to medical insurance. Learn the ins and outs of dental insurance below.
Preventive services are covered
Quality care anywhere
Backed by trusted brands
Know your maximum
Waiting periods apply
Plan for your deductible
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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 | |||||||
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Preventive Care Routine check ups, Cleanings, and X-Rays |
100% Deductible waived |
100% | 100% Deductible waived with in-network providers |
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Basic Procedures Fillings, extractions, emergency care for pain relief |
80% | 80% |
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Major Procedures Root canals, crowns, dentures, bridges, etc |
50% | 50% | 50% with in- and out of network providers |
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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 | ||||||
Deductible |
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Waiting Period |
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Cost | Starting at $24.22 a month |
Starting at $25.15 a month |
Starting at $35.60 a month |
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View This Plan | View This Plan | View This Plan |
Aetna Dental Direct Preferred PPO | |||||
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Preventive Care Routine check ups, Cleanings, and X-Rays |
100% Deductible waived |
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Basic Procedures Fillings, extractions, emergency care for pain relief |
80% | ||||
Major Procedures Root canals, crowns, dentures, bridges, etc |
50% | ||||
Orthodontic (braces) | Not covered | ||||
Cosmetic services | Not covered | ||||
Dental implants | Not covered | ||||
Annual benefit maximum (per person) | $1,250 | ||||
Deductible |
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Waiting Period |
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Cost | Starting at $24.22 a month |
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View This Plan | |||||
Delta Dental PPO Premium Plan | |||||
Preventive Care Routine Check Ups, Cleanings, and X-Rays |
100% | ||||
Basic Procedures Fillings, extractions, emergency care for pain relief |
80% | ||||
Major Procedures Root canals, crowns, dentures, bridges, etc |
50% | ||||
Orthodontic (braces) | Covered at 50% | ||||
Cosmetic services | Not covered | ||||
Dental implants | Covered at 50% | ||||
Annual benefit maximum (per person) | $2,000 | ||||
Deductible |
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Waiting Period |
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Cost | Starting at $25.15 a month |
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View This Plan | |||||
Renaissance Dental Insurance Plan | |||||
Preventive Care Routine Check Ups, Cleanings, and X-Rays |
100% Deductible waived with in-network providers |
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Basic Procedures Fillings, extractions, emergency care for pain relief |
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Major Procedures Root canals, crowns, dentures, bridges, etc |
50% with in- and out of network providers |
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Orthodontic (braces) | Not covered | ||||
Cosmetic services | Not covered | ||||
Dental implants | Covered at 50% | ||||
Annual benefit maximum (per person) | $1,000 | ||||
Deductible |
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Waiting Period |
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Cost | Starting at $35.60 a month |
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View This Plan |
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 dental insurance? Can I still see a dentist?
There are payment options available for those without dental insurance. You don’t need to have dental insurance to get dental work. 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 discount plans, on the other hand, offer reduced rates on dental implants. At the end of the day, deciding on a dental plan should be based on which plan can help you save on the procedures you need to maintain your oral health.
What type of dental plan should I get?
If cost is your primary focus, a Dental HMO 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 Dental PPO may be the best option. Be sure to review the dental benefits of your insurance plan to understand the extent of your coverage options. If you need expensive dental procedures, 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.