Dental Savings Plan Reviews 2026
We reviewed every major dental savings plan — verified pricing, actual network sizes, and honest pros and cons. No plan paid to be here.
How we rank: Network size · Verified savings rates · Plan pricing · User review data (Feb 2026). No sponsored placements.
★ Our Top Pick
Careington
★★★★☆ 4.4(2,100 reviews)The most widely-used dental discount network
Starting at
$8.95/mo
Typical savings
20-60%
Network
200,000+ network dentists
Waiting period
✓ None
Best for: Anyone wanting the widest provider accessBest for: Uninsured individualsBest for: Families
Top pros
- ✓Largest dental discount network in the US
- ✓No waiting periods — activate in 3 days
- ✓No annual maximum on savings
DentalPlans.com
★★★★☆ 4.6(45,000 reviews)The largest dental savings plan marketplace
Starting at
$7/mo
Typical savings
10-60%
Network
70%+ of all US dentists
Waiting period
✓ None
Best for: Comparison shoppersBest for: Those who want the most plan optionsBest for: Price-sensitive buyers
Top pros
- ✓30+ plans to choose from — broadest selection
- ✓Plans start at just $7/month
- ✓Covers virtually all dental procedures
Aetna Dental Savings
★★★★☆ 4.2(3,800 reviews)Major insurer's dental discount network with one of the largest provider lists
Starting at
$8/mo
Typical savings
15-50%
Network
217,000+ dentist locations
Waiting period
✓ None
Best for: Existing Aetna customersBest for: Those wanting a trusted large-brand planBest for: Urban areas with large networks
Top pros
- ✓One of the largest networks (217K+ dentist locations)
- ✓Trusted major insurer brand
- ✓No waiting periods
Cigna Dental Savings Plan
★★★★☆ 4.1(2,900 reviews)Cigna's discount dental plan with strong PPO network
Starting at
$10/mo
Typical savings
20-50%
Network
155,000+ in-network locations
Waiting period
✓ None
Best for: Those familiar with Cigna from employer benefitsBest for: Northeast and Southeast coverage
Top pros
- ✓Strong national PPO network
- ✓Transparent pricing — fee schedules available online
- ✓Covers orthodontics and implants
Humana Dental Savings Plan
★★★★☆ 4.0(2,200 reviews)Medicare-friendly dental savings with competitive pricing
Starting at
$9/mo
Typical savings
15-50%
Network
350,000+ network dentists
Waiting period
✓ None
Best for: SeniorsBest for: Medicare supplement seekersBest for: Those needing dentures/restorative work
Top pros
- ✓One of the largest networks in the country (350K+)
- ✓Very senior-friendly — strong Medicare supplement option
- ✓Competitive pricing for seniors on fixed income
Spirit Dental
★★★★☆ 4.1(8,400 reviews)Straightforward savings plan with strong major-work discounts
Starting at
$11.99/mo
Typical savings
20-60%
Network
120,000+ dentist locations
Waiting period
✓ None
Best for: Individuals needing major restorative workBest for: Implant and denture patientsBest for: Budget-conscious singles
Top pros
- ✓No waiting periods — use immediately after activation
- ✓Strong discounts on major work including implants and dentures (up to 60%)
- ✓Clear, transparent pricing — no hidden fees
Ameritas Dental Savings
★★★★☆ 4.0(12,000 reviews)Established insurer with strong rural and Midwest coverage
Starting at
$10.99/mo
Typical savings
15-50%
Network
180,000+ dentist locations
Waiting period
✓ None
Best for: Rural and Midwest residentsBest for: Anyone who values long company historyBest for: Families who want orthodontic coverage included
Top pros
- ✓135+ year history — one of the most established insurers in the US
- ✓Strong Midwest, rural, and suburban coverage
- ✓Broad 180,000+ provider network nationwide
Affiliate disclosure: Dental Savings Guide earns a commission when you enroll through our links — at no additional cost to you. This does not affect our editorial rankings or reviews. We regularly verify pricing and update reviews quarterly.
Not Sure Which Plan to Choose?
Compare pricing and coverage side-by-side, or take our quiz to find your best match.