Humana Dental Savings is the best dental savings plan for implants and crowns — 15–50% off major restorative work, no annual maximum, no waiting periods. Careington (20–60% off, 200,000+ dentists) wins if you want the deepest discounts and largest network. Aetna has the most specialist locations (217,000+). All four cover implants and crowns — and because none has an annual cap, they beat dental insurance for expensive major work.
Humana Dental Savings is the best dental savings plan for implants and crowns — built around major restorative work with 15–50% discounts and, critically, no annual maximum. Careington (20–60% off) offers the deepest discount range and the largest network (200,000+ dentists). Because no plan here has an annual cap, any of them beats dental insurance for a multi-thousand-dollar implant.
Last updated: July 2026 | Major-work coverage verified against each plan's current data
Ranked by major-work discount depth, network size, and savings. Every plan below covers both implants and crowns, and none has an annual maximum. No paid placements.
| # | Plan | From / mo | Savings |
|---|---|---|---|
| 1 | Humana Dental SavingsBest for Major Work | from $9/mo | 15–50% |
| 2 | CareingtonDeepest Discounts | $9.95/mo | 20–60% |
| 3 | Aetna Dental SavingsLargest Specialist Network | from $8/mo | 15–50% |
| 4 | Cigna Dental SavingsBest Fee Schedules | from $10/mo | 20–50% |
For the all-purpose ranking, see the best dental savings plan answer →
Humana wins for implants and crowns because the plan is oriented around restorative and major work — the exact procedures (implants, crowns, dentures) that get expensive fast. Discounts run 15–50%, and there is no annual maximum, so a full implant or a set of crowns keeps the discount all year instead of hitting an insurance-style cap.
The ~140,000-dentist network overlaps heavily with Careington's underlying infrastructure, so specialist availability is comparable. There are no waiting periods for major work. Read the full Humana Dental Savings review.
Careington offers the deepest discount range — 20–60% — and pairs it with the largest network in the category (200,000+ dentists), which matters for major work that may need an oral surgeon or prosthodontist. At $9.95/month with no annual maximum and no waiting periods, it is the strongest value when the priority is minimizing the out-of-pocket cost of an implant or crown. Read the full Careington review.
Aetna Dental Savings has the most dentist and specialist locations of any plan here — 217,000+ — which is the practical advantage for implants and oral surgery that require a specialist rather than a general dentist. Discounts run 15–50% with no waiting periods and no annual maximum. Read the full Aetna Dental Savings review.
Dental insurance typically caps payouts at $1,000–$1,500 per year — less than the cost of a single implant — and often excludes implants entirely or imposes a 6–12 month waiting period for major services. A dental savings plan has no annual maximum and no waiting period: the discount applies to every procedure, all year, with no ceiling. For one or more implants, or several crowns in a year, the savings plan almost always costs less out of pocket.
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For implants and crowns, Humana Dental Savings is the best dental savings plan — restorative-focused with 15–50% discounts and no annual maximum. Choose Careington for the deepest discount range and largest network, and Aetna for the most specialist locations.
The deciding factor for major work is the absence of an annual maximum — every plan here beats dental insurance on an expensive implant precisely because there is no yearly cap and no waiting period.
Yes. Humana, Careington, Aetna, and Cigna all include implant discounts (typically 15–50% off), unlike many insurance policies that exclude implants. With no annual maximum, a savings plan is often the practical way to afford an implant.
No. None of the plans ranked have an annual maximum — the key advantage over insurance for major work, since insurance caps payouts and a single implant can exhaust the year's benefit.
No. Dental savings plans have no waiting periods for implants, crowns, or any procedure. Activation takes about 3 business days, unlike insurance which often imposes 6–12 month waits for major services.
Crowns retail around $1,000–$1,800. With a 20–60% plan discount you might pay roughly $600–$900 depending on the plan and CDT code. Multiple crowns keep the discount all year — no annual cap.
Usually a savings plan, because there is no annual maximum or waiting period and implants aren't excluded. If your insurer does cover implants, compare premiums + deductible + the amount above the annual cap against the savings plan's discounted fee.
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