1Dental is the best dental savings plan for families — one $19.08/month ($229/year) household membership covers the whole family on the Careington network with 20–60% off every procedure, no waiting periods, and a 30-day money-back guarantee. Careington family ($18.95/month) wins if you want orthodontic discounts for the kids on a broad network; Aetna family ($10.99/month) has the lowest family price of any plan reviewed here. The right pick depends on whether your family dentist is in-network.
1Dental at $19.08/month ($229/year) is the best dental savings plan for most families because a single household membership covers everyone on the Careington network with 20–60% discounts, no waiting periods, and a 30-day money-back guarantee — the simplest way to get a whole family covered. Careington ($18.95/month family) is the better choice when you want the largest network and orthodontic discounts for kids, while Aetna ($10.99/month family) has the lowest family price of any plan reviewed here.
Last updated: July 2026 | Family pricing verified against each plan's current enrollment data
Ranked by family price, network size, and savings percentage. All family prices verified from each plan's enrollment data. No paid placements.
| # | Plan | Family / mo | Network |
|---|---|---|---|
| 1 | 1DentalBest for Families | $19.08/mo ($229/yr) | Careington network — one of the largest in the U.S. |
| 2 | CareingtonLargest Network | $18.95/mo or $189/yr | One of the largest in the U.S. |
| 3 | Aetna Dental SavingsMost Dentist Locations | $10.99/mo family | 262,000+ |
| 4 | Humana Dental SavingsStrong on Major Work | $6.99/mo individual (no family tier) | 135,000+ |
| 5 | Cigna Dental SavingsBest Fee Transparency | $11/mo family | ~110,000 |
For the full all-purpose ranking, see the best dental savings plan answer →
1Dental wins the family recommendation because one household membership covers everyone, with a simple signup and a 30-day money-back guarantee that lets a family try it risk-free. The 3+ member tier runs $229/year ($19.08/month), all fees included — there is no separate setup fee, no per-person deductible, and no annual maximum to track.
The plan runs on the Careington Care 500 network with 20–60% discounts and immediate use — you can often save the same day you join. For families who also need specialist work (braces, implants, oral surgery), the 1Dental Preferred Plan bundles in the Aetna specialist network. Read the full 1Dental review.
Careington's family plan at $18.95/month ($189/year) pairs a broad U.S. dentist network with a 20% orthodontic discount, which matters when you need a pediatric dentist, an orthodontist, and a general dentist all in-network — the most common reason families choose it. It is not the lowest family price in the category (Aetna family runs $10.99/month), but it is one of the largest networks.
Like every plan here, there are no waiting periods, no deductibles, and no annual maximums. There is a one-time $20 processing fee, and activation takes 3 business days. Read the full Careington review.
Aetna Dental Savings runs $10.99/month for families and has the most dentist locations of any plan here — 262,000+. In dense metro areas that translates to more in-network options within a short drive, which is the practical difference when you are booking cleanings for several kids. Savings run 15–50% with no waiting periods. Read the full Aetna Dental Savings review.
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For most families, 1Dental at $19.08/month ($229/year) is the best dental savings plan — one household membership covering the whole family on a large network, no waiting periods, and a 30-day money-back guarantee. Choose Careington if you want the largest network and orthodontic discounts for the kids, and Aetna if you live in a metro area and want the most dentist locations near home.
Every plan here is dramatically cheaper than family dental insurance and pays for itself with a single family cleaning. The cheapest plan that includes all of your family's dentists is almost always the right choice.
Yes. Family plans cover the primary member, spouse, and dependents under one price, which is far cheaper than buying individual plans for each person.
Some do. Careington includes a 20% orthodontic discount on its family plan, and Aetna and Cigna offer ortho discounts on many plans (typically 20–25% off). 1Dental's Preferred bundle adds the Aetna specialist network for braces. Verify the fee schedule for your child's treatment.
No. Dental savings plans have no waiting periods, no annual maximums, no deductibles, and no claim forms for any family member. Activation takes about 3 business days.
Yes. Many families stack a savings plan with insurance — use insurance up to its annual cap, then the savings plan discount on additional work. Coordinate with the dentist's billing office.
Check the plan's directory by zip code first. If your dentist isn't in-network, compare the other plans — network participation is the single biggest factor in which plan saves your family the most.
We match you across 7 plans based on dentists, zip, and procedure needs. No email required to see results.