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Dental Savings Plan Reviews 2026

Pick a plan by rating, price, and who it's best for — then enroll or read the full review. Verified 2026 pricing.

Short answer

Careington is the editorial top pick for most people. Humana is the cheapest per person at $6.99/mo. Aetna publishes the largest network figure (262,000+ locations). Every plan we review is a discount membership, not insurance — no waiting periods, no annual maximum.

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Ranked for most buyers (same editorial order as our best plans guide). Network size · verified savings · pricing · review data. No sponsored placements.

#1Top pick

Careington

★★★★☆ 4.4

Best for: Anyone wanting the widest provider access

The most widely-used dental discount network

From $12.95/mo
Savings 20-60%
Network One of the largest U.S. dental networks
✓ No waiting period
Enroll →Read review
#2

Humana Dental Savings Plan

★★★★☆ 4.0

Best for: Seniors

Medicare-friendly dental savings with competitive pricing

From $6.99/mo
Savings 20-40%
Network 135,000+ network dentists
✓ No waiting period
Enroll →Read review
#3

1Dental

★★★★☆ 4.3

Best for: Households that want one membership for everyone

The Careington network, sold direct — with an Aetna add-on for specialists

From $14.58/mo
Savings 20-60%
Network Careington network — one of the largest in the U.S.
✓ No waiting period
Enroll →Read review
#4

Aetna Dental Savings

★★★★☆ 4.2

Best for: Existing Aetna customers

Major insurer's dental discount network with one of the largest provider lists

From $7.99/mo
Savings 15-50%
Network 262,000+ provider locations
✓ No waiting period
Enroll →Read review
#5

Cigna Dental Savings Plan

★★★★☆ 4.1

Best for: Those familiar with Cigna from employer benefits

Cigna's discount dental plan with strong PPO network

From $8/mo
Savings 15-40%
Network ~110,000 in-network dentists
✓ No waiting period
Enroll →Read review
#6

DentalPlans.com

★★★★☆ 4.6

Best for: Comparison shoppers

The largest dental savings plan marketplace

From $7/mo
Savings 10-60%
Network 70%+ of all US dentists
✓ No waiting period
Enroll →Read review
#7

Aspen Dental Savings Plan

★★★☆☆ 3.6

Best for: People who already use (and like) their local Aspen Dental office

An in-office membership — but only at Aspen Dental locations

From $4.08/mo
Savings 10-100% (varies by procedure)
Network Aspen Dental practices only (1,000+ offices, but not a national discount network)
✓ No waiting period
Enroll →Read review
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.

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Frequently Asked Questions

Which dental savings plan has the largest network?

Aetna Dental Savings publishes the largest figure at 262,000+ provider locations. Humana lists 135,000+ dentists and Cigna ~110,000. Careington has one of the largest U.S. dental networks but publishes no dentist count, so it cannot be ranked by size against those figures. DentalPlans.com is a marketplace that routes you to multiple networks.

What is the cheapest dental savings plan?

Among plans we review, Humana Dental Savings Plus is the cheapest at $6.99/month per person, followed by Aetna at $7.99/month ($75/year) and Cigna at $8/month. Careington starts at $12.95/month individual. Network availability varies by zip code — confirm your dentist before enrolling.

Are dental savings plans legitimate?

Yes — dental savings plans are legitimate products regulated at the state level. Major providers like Careington, Aetna, Cigna, and Humana have been operating for decades. They are not insurance, but they are real membership programs with pre-negotiated rates at participating dentists.

How long does it take for a dental savings plan to activate?

Most dental savings plans activate within 3 business days. Some plans (like DentalPlans.com) offer same-day emergency activation. Once active, you can use your discounts immediately — there are no waiting periods for any procedure.