Best Dental Savings Plans in Montana (2026)

Montana is one of the most sparsely populated states in the country, and dental provider access is genuinely challenging outside the five or six major cities. Over 200,000 Montanans lack dental coverage. Bozeman has grown dramatically with tech transplants, ski resort workers, and remote employees. In Montana, network access is the primary concern when choosing a dental savings plan — price matters less when the question is whether any dentist in your area participates.

Top Dental Savings Plans in Montana

1. Humana Dental Savings — Best Overall

Cost: $9–$14/month individual · $18–$25/month family Montana network: 1,500+ participating locations

In Montana, Humana is the top recommendation because of network reach, not price. Their larger national network covers Billings, Missoula, Great Falls, Bozeman, and Kalispell, plus provides at least some coverage in smaller communities that most other plans don't reach.

Typical Montana savings:

• Routine cleaning + X-rays: save $88–$165
• Crown: save $218–$420
• Root canal (molar): save $212–$395

2. Careington 500 Series — Best for Billings and Bozeman

Cost: $99/year individual · $149/year family Montana network: 800+ participating locations

Careington's $99/year flat rate is the best price, but the network in Montana is sparse. Concentrate use in Billings (largest city), Bozeman, and Missoula, where coverage is adequate. Don't rely on it in small towns or rural areas.

3. DentalPlans.com — Best for Bozeman

Cost: From $7/month (varies by plan) Montana network: Search by your specific dentist

Bozeman's tech-transplant and outdoor-industry population is more research-oriented. DentalPlans.com's dentist-first search is the right approach in a market with limited coverage options — start with your dentist, see which plans cover them.

Montana Dental Costs: With and Without a Plan

| Procedure | Billings Avg (No Plan) | Montana Avg | With Savings Plan | |---|---|---|---| | Cleaning + exam + X-rays | $175–$295 | $162–$272 | $100–$178 | | Composite filling | $145–$245 | $132–$222 | $82–$145 | | Root canal (molar) | $782–$1,245 | $712–$1,135 | $524–$855 | | Crown (porcelain) | $952–$1,520 | $868–$1,385 | $632–$988 | | Implant (full) | $2,850–$4,750 | $2,600–$4,325 | $1,820–$3,165 |

Frequently Asked Questions

Does Montana Medicaid cover dental for adults? Montana Medicaid covers limited dental for adults — emergency services. Montana expanded Medicaid in 2016. Comprehensive restorative care is not broadly available.

Are dental schools in Montana available to the public? Montana does not have a dental school. The nearest options are the University of Washington (Seattle) and the University of Colorado (Aurora). Montana State University in Bozeman has a dental hygiene program.

Bottom Line for Montana

1. Any Montana city: Start with Humana for the best network coverage — saving $3–$5/month on Careington isn't worth having fewer dentist options
2. Bozeman: DentalPlans.com to verify your dentist in a growing but limited market
3. Tribal members: Contact your tribal health program — IHS covers many Montana tribal members

Also comparing chain dental offices? Aspen Dental runs its own in-house savings plan — see how it compares to a national network: Aspen Dental savings plan vs. a national plan →