Individual dental savings plans cost $79–$199/year ($7–$17/month). Family plans cost $189–$299/year ($12–$25/month). Careington 500 Series — the most widely accepted — costs $129/year individual and $189/year family. No deductibles, copays, claims, or annual maximums.
2026 Price Ranges
Individual
$79–$199/yr
Family
$189–$299/yr
No monthly fees, no deductibles, no claims. One flat annual fee.
| Plan | Individual | Family | Notes |
|---|---|---|---|
| Careington 500 Series | $129/yr | $189/yr | Most widely accepted |
| Aetna Dental Savings | $75/yr | $105/yr | Strong PPO network |
| Humana Dental Savings | ~$84/yr (monthly billing only) | No family tier — priced per applicant | Large national network |
| Cigna Dental Savings | $96/yr | $132/yr | Good urban coverage |
| DentalPlans.com | $79–$199/yr | $119–$299/yr | Marketplace, varies by plan |
| Aspen Dental Savings Plan | $49/yr | +$29/yr per extra member | Aspen offices only — not a national network |
Aspen's $49/year figure is the in-office membership, not a national-network plan. Full charge and discount table: Aspen Dental Savings Plan vs a national 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 $129/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 $129/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.
Individual dental savings plans cost $79–$199/year ($7–$17/month). Family plans cost $189–$299/year ($12–$25/month). The most popular plan — Careington 500 Series — costs $129/year for individuals and $189/year for families. There are no deductibles, copays, or claims — just the flat annual fee.
Most dental savings plans charge annually, not monthly. You pay one flat fee per year — typically $129–$189 for individuals. Some plans offer monthly payment options, but the annual price is almost always lower. Avoid plans that push monthly billing with no annual option.
No claims, no deductibles, no copays, no annual maximums. The fee schedule shows exactly what you'll pay for each procedure. The only cost is the annual membership fee plus the discounted procedure fees at the dentist. Some plans charge a small processing fee at enrollment.
For most people, yes. A $129/year individual plan pays for itself with a single cleaning and set of X-rays. Any major work (fillings, crowns, root canals) returns several times the annual cost in savings. Families with regular dental needs typically save $500–$1,500+ annually versus paying out-of-pocket.
We match you across 7 plans based on your dentist, zip code, and what you actually need. No email required to see results.