🦷 Dental Insurance

Protect Your Smile Without Breaking the Bank

A single crown can cost $1,500 out of pocket. A root canal, $2,000. Dental insurance keeps your teeth healthy and your savings intact — with plans starting under $25/month.

Get My Dental Quote → What's Covered?

Get Your Dental Quote

Preventive · Basic · Major · Free · No obligation

Step 1 of 2

Who needs coverage?

ZIP Code

Age

First Name

Last Name

Phone Number

By submitting, you consent to be contacted by a licensed agent via phone, text, or email about insurance options, even if your number is on a Do Not Call list. Consent is not a condition of purchase. Calls may be monitored or recorded. Privacy Policy · Terms

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You're all set!

A licensed advisor will reach out within 1 business day with your dental plan options.

Ready to enroll on your own? Scan & goSkip the wait — enroll directly via HealthSherpa

Prefer to call? (844) 585-3339

💰 Plans from $20/Month

✅ Preventive Care Often 100% Covered

🏥 Large Nationwide Networks

⚡ Coverage in Days

Coverage

What Dental Insurance Typically Covers

Most dental plans follow a 100/80/50 structure — preventive care is covered in full, basic work at 80%, and major procedures at 50% after your deductible.

100%

Preventive Care

Routine services that keep your teeth healthy and catch problems early — usually covered in full with no waiting period.

Exams · Cleanings · X-rays · Fluoride treatments · Sealants

80%

Basic Restorative

Treatment for common dental problems. Plans typically cover 80% after your annual deductible is met.

Fillings · Simple extractions · Periodontal treatment · Emergency exams

50%

Major Restorative

Larger procedures that restore structure and function. Usually covered at 50% with a waiting period of 6–12 months.

Crowns · Bridges · Dentures · Root canals · Oral surgery

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Orthodontia Coverage Available Many plans offer optional orthodontia riders covering braces and Invisalign for children and adults. Ask your advisor about adding orthodontia coverage to your plan.

Plan Types

Choosing the Right Dental Plan

There are two main types of dental insurance. Your advisor will help you find the one that fits your dentist, your needs, and your budget.

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DPPO — Dental PPO

The most popular type. Use any licensed dentist, but save more when you stay in-network. No referrals needed for specialists.

Use any dentist

No referrals needed

Lower in-network costs

Higher premiums

Out-of-network costs more

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DHMO — Dental HMO

Lower premiums with a designated primary dentist. Great for cost-conscious individuals comfortable with a network dentist.

Lower monthly premium

Low or no deductible

Predictable copays

Must use network dentist

Referral required for specialists

Who It's For

Dental Insurance Makes Sense If You…

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Lost Employer Coverage

Changed jobs or went self-employed and lost your group dental benefits? Individual plans are easy to get and often surprisingly affordable.

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Have a Family

Kids need regular checkups, cleanings, and sealants. Family dental plans keep everyone covered without separate policies for each person.

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Have Upcoming Dental Work

Know you need a crown, bridge, or implant? Getting covered now — even with a waiting period — is far cheaper than paying out of pocket.

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Want to Protect Your Savings

Even healthy mouths can have surprise emergencies. Dental insurance caps your exposure so one visit doesn't become a $3,000 bill.

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Value Preventive Care

If you get two cleanings a year at $150 each, your plan pays for itself before you ever file a claim on anything else.

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Early Retirees (Under 65)

Not yet on other benefits? Individual dental insurance fills the gap and keeps your oral health on track.

FAQ

Dental Insurance Questions Answered

Is there a waiting period for dental insurance?+

Preventive care typically has no waiting period and is covered from day one. Basic restorative services like fillings usually have a 3–6 month wait. Major work like crowns often has a 6–12 month waiting period. Some carriers offer no-waiting-period plans at a slightly higher premium.

Can I keep my current dentist?+

With a PPO plan, yes — you can see any licensed dentist, though staying in-network saves you more. HMO plans require a network dentist. Your advisor will check whether your preferred dentist is in-network before you enroll.

What is the annual maximum benefit?+

Most individual dental plans have an annual maximum of $1,000–$2,000. Once you hit that limit, you pay 100% until the next benefit year. Higher annual maximum plans are available and worth considering if you anticipate significant dental work.

Does dental insurance cover implants?+

Standard dental plans generally do not cover implants, as most carriers classify them as cosmetic. However, some premium plans and specialized riders offer partial implant coverage. Ask your advisor to find plans with the best implant benefits if that's a priority.

How is dental insurance different from a dental discount plan?+

Dental insurance pays a portion of your covered dental bills. A dental discount plan is a membership that gets you reduced rates at participating dentists — you still pay the discounted amount in full. Discount plans have no waiting periods or annual maximums, but provide less protection on large bills.