Individual dental savings plans cost $79–$199/year ($7–$17/month). Family plans cost $149–$299/year ($12–$25/month). Careington 500 Series — the most widely accepted — costs $99/year individual and $149/year family. No deductibles, copays, claims, or annual maximums.
2026 Price Ranges
Individual
$79–$199/yr
Family
$149–$299/yr
No monthly fees, no deductibles, no claims. One flat annual fee.
| Plan | Individual | Family | Notes |
|---|---|---|---|
| Careington 500 Series | $99/yr | $149/yr | Most widely accepted |
| Aetna Dental Savings | $96–$168/yr | $192–$288/yr | Strong PPO network |
| Humana Dental Savings | $108–$168/yr | $216–$300/yr | Large national network |
| Cigna Dental Savings | $120–$216/yr | $240–$360/yr | Good urban coverage |
| DentalPlans.com | $79–$199/yr | $119–$299/yr | Marketplace, varies by plan |
The annual membership fee is only part of what you pay. Here's the complete cost breakdown for a typical year:
Annual membership fee
Flat fee, paid once per year
$99–$199
Routine cleaning + X-rays (×2)
vs. $300–$500 without a plan
$155–$265 discounted
Filling (if needed)
vs. $150–$300 without a plan
$95–$145 discounted
Crown (if needed)
vs. $1,000–$1,800 without a plan
$600–$900 discounted
Two cleanings + X-rays without a plan: $300–$500. With a $99/year plan: $155–$265 in procedure costs + $99 membership = $254–$364 total. You save money on routine care alone.
Add one filling ($95–$145 discounted vs $150–$300) and you've doubled your savings. Any crown, root canal, or major work pays for the plan many times over.
The most popular option is the Careington 500 Series at $99/year — it has the largest network and consistently strong discounts. If you want a large national network with a different price structure, Aetna Dental Access is worth comparing by ZIP code.
We match you across 7 plans based on your dentist, zip code, and what you actually need. No email required to see results.