Updated February 2026 · 5 min read
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 | $179/yr | Most widely accepted |
| Spirit Dental | $79–$99/yr | $149–$199/yr | Includes ortho & implants |
| Aetna Dental Savings | $119/yr | $199/yr | Strong PPO network |
| Humana Dental Savings | $99/yr | $179/yr | Large national network |
| Cigna Dental Savings | $109/yr | $189/yr | Good urban coverage |
| Ameritas Dental Savings | $129/yr | $219/yr | Strong Midwest/Southeast |
| 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 to browse multiple plans in one place, DentalPlans.com is a marketplace that lets you compare pricing by ZIP code.
See current pricing and procedure discounts side by side.
Answer 6 questions and get matched to the right dental savings plan in 60 seconds.
Take the Free Quiz →