Best Dental Savings Plans in South Dakota (2026)

South Dakota has over 200,000 adults without dental coverage. The state's agricultural, tourism (Black Hills/Mount Rushmore), and financial services economy (many credit card companies are headquartered in SD due to favorable lending laws) creates a mixed workforce. Sioux Falls, SD's largest city, has a robust dental market. Rural SD — particularly the Pine Ridge and Rosebud Reservation areas — faces significant dental access challenges. Network access matters as much as price when choosing a plan in SD.

Top Dental Savings Plans in South Dakota

1. Humana Dental Savings — Best Overall

Cost: $9–$14/month individual · $18–$25/month family SD network: 700+ participating locations

Humana has the broadest South Dakota coverage — Sioux Falls, Rapid City, Aberdeen, Brookings, and some rural reach. For South Dakota's sparse geography, Humana's network size is the primary advantage.

Typical SD savings:

• Routine cleaning + X-rays: save $82–$155
• Crown: save $202–$390
• Root canal (molar): save $196–$368

2. Careington 500 Series — Best for Sioux Falls

Cost: $99/year individual · $149/year family SD network: 400+ participating locations

Careington covers Sioux Falls adequately — SD's largest city with the most dental providers. The $99/year flat rate is excellent value in Sioux Falls.

South Dakota Dental Costs: With and Without a Plan

| Procedure | Sioux Falls Avg (No Plan) | SD Average | With Savings Plan | |---|---|---|---| | Cleaning + exam + X-rays | $162–$272 | $146–$246 | $90–$160 | | Composite filling | $130–$220 | $118–$198 | $73–$128 | | Root canal (molar) | $720–$1,148 | $650–$1,038 | $481–$785 | | Crown (porcelain) | $875–$1,398 | $790–$1,260 | $585–$925 | | Implant (full) | $2,625–$4,375 | $2,375–$3,960 | $1,663–$2,905 |

Frequently Asked Questions

Are tribal dental services available in South Dakota? South Dakota has several major Native American reservations (Pine Ridge, Rosebud, Standing Rock). Enrolled tribal members may be eligible for IHS dental services. Contact your tribal health program or the Aberdeen Area IHS for eligibility.

Bottom Line for South Dakota

1. Sioux Falls: Careington at $99/year in the largest city with the most provider options
2. Rapid City and rest of state: Humana for the broadest network coverage
3. Tribal members: Check IHS eligibility before buying any plan

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 →