Product Reviews
Updated on December 12, 2022
4 min read

How To Find Affordable Dental Insurance & Alternative Options

NewMouth is reader supported. We may earn a commission if you purchase something using one of our links. Advertising Disclosure.

Affordable Dental Insurance Plans

Dental care is essential to maintain excellent oral health and hygiene. However, dental treatment can be expensive without insurance coverage.  

Fortunately, many insurance companies offer affordable dental insurance plans so people and families can get the care they need. They offer a variety of plans that fit any budget, which ensures people are only paying for the dental services they need each year. 

It is important to pick an insurance plan that meets all dental care requirements. Some low-cost dental plans only cover preventive care (e.g., teeth cleanings). But they do not cover restorative care (e.g., cavity fillings and dental crowns) or orthodontics for children. 

Discount Dental Plans can save you money on procedures that insurance can't (including cosmetic procedures). Learn more about dental discount plans here. Or call (833) 704-2246

Average Cost of Dental Care Without Insurance

The pocket costs of dental work can add up quickly without insurance. The average prices of standard dental procedures without coverage are as follows: 

  • General Dentist Checkups — which includes teeth cleanings, x-rays, and dental exams, can cost up to $350 per visit without insurance. These routine visits are free with most low-cost dental insurance plans
  • X-rays — can cost more than $200 on their own
  • Simple Tooth Extraction — can cost up to $300 per tooth without insurance
  • Cavity Filling — can cost up to $500 per tooth without insurance
  • Root Canal Treatment — can cost up to $2,000 without insurance
  • Dental Crown — can cost over $1,500 without insurance
  • Wisdom Tooth Removal — can cost up to $650 per tooth without insurance
  • Other Dental Restorations — this includes dental implants, bridges, and dentures, which can cost a few thousand dollars without insurance

Average Cost of Dental Work With Insurance 

With many affordable dental insurance policies, you can expect:

  • 100 percent coverage on routine preventive care, such as teeth cleanings, x-rays, and dental exams
  • 50 percent coverage on restorative treatments, such as cavity fillings, dental crowns, dental bridges, and more
  • 25 percent coverage on minor oral surgeries, such as wisdom teeth removal
  • Partial orthodontia coverage for children under 18 years of age

Find out if a dental savings plan from DentalPlans can save you money on your next dental procedure. Visit DentalPlans.

Popular Insurance Coverage Options

To help you choose the right coverage, compare a few different affordable dental insurance plans below:

(Newmouth is not affiliated with any of the insurance companies below)

Delta Dental

Delta Dental is the most affordable and well-known dental insurance provider. About 30 percent of Americans use Delta Dental. Unlike most insurance plans, a basic plan from Delta Dental has no maximum and no deductible. 

You can go to their website to get a quote with for dental insurance.

Spirit Dental

Spirit Dental provides affordable dental insurance for individuals and families. Coverage can cost anywhere between $36 and $70 per month.

Dental benefits can include:

  • Three free teeth cleanings per year
  • Partial orthodontia coverage (children only)
  • Partial coverage for major services (e.g., dental implants, dental bridges, dental crowns, inlays, and dentures)
  • Guaranteed acceptance and no waiting period 
  • $1,200 to $5,000 annual maximum


Humana is another well-known dental insurance company. Humana offers a Preventive Plus (PPO) dental insurance plan that covers preventive care and basic dental services. A PPO plan allows you to choose a dentist that is either in or out of the network. However, treatment will be more expensive with an out-of-network dentist.

If you need extra dental coverage, you will have to invest in a more expensive insurance plan. Fortunately, Humana dental insurance is relatively inexpensive. A plan can cost anywhere between $20 and $48 per month.

Humana also offers a discount dental plan, which is different from insurance. With a discount plan, you will pay your dentist directly at a lower cost.

Benefits of Humana discount dental plans include:

  • No annual deductible or annual maximum
  • No paperwork or insurance claims
  • No waiting period, which means you will get discounted services right away
  • You only pay for the treatments you need each year (directly to your dentist)
  • Savings on preventive dental care, simple tooth extractions, and restorative procedures
  • Discounts on vision care, prescriptions, alternative medicine, and hearing services


Cigna offers over 20 different dental insurance plans. Many of them can cost anywhere between $19 and $35 per month.

The cheapest plan only covers preventive dental care, while the most expensive plan covers:

  • 100 percent of preventive dental care (teeth cleanings, x-rays, and dental exams)
  • Up to $1,000 on orthodontic services for children (separate deductible)
  • $50 deductible for individuals and $150 deductible for families
  • Up to $1,500 coverage on restorative dental care per year (after deductible)

Other Dental Coverage Options: Discount Dental Plans

Discount dental plans are another way to save on dental care costs if you cannot afford insurance.

All discount plans have similar benefits, including:

  • You only pay for the dental services you need when you need them
  • You pay one low annual fee instead of monthly premiums
  • As a member, you have easy access to in-network dentists who offer reduced prices
  • You pay your dentist directly at reduced rates
  • No approvals, claims, or application forms are necessary has a dental discount plans that provides 20 to 60 percent savings on all types of dental care. Members can save on preventive treatment, restorative treatment, endodontics, oral surgery, orthodontics, and more.

There are also dental assistance programs for low-income help.

What’s Next?

DentalPlans is the best site for dental savings plans because it compares all the best plans in your area. You know exactly how much every procedure will cost and which dentists are available.

Last updated on December 12, 2022
5 Sources Cited
Last updated on December 12, 2022
All NewMouth content is medically reviewed and fact-checked by a licensed dentist or orthodontist to ensure the information is factual, current, and relevant.

We have strict sourcing guidelines and only cite from current scientific research, such as scholarly articles, dentistry textbooks, government agencies, and medical journals. This also includes information provided by the American Dental Association (ADA), the American Association of Orthodontics (AAO), and the American Academy of Pediatrics (AAP).
  1. “Affordable Dental Insurance.” Affordable Dental Insurance and Plans with No Waiting Period - Spirit Dental,
  2. “Home.” Humana,
  3. “How Can Cigna Dental Insurance Help You Save?” Cigna,
  4. “Individual and Family Dental Plans.” Https://,
  5. “We're Here to Help. Dial Care Doctors Are Standing by 24/7.” Careington® Official Site | Dental Discount Plans and More!,
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram