Individual Dental Insurance Plans

Individual dental insurance plans are for people who want to purchase dental insurance for a single individual. The person may be self-employed, unemployed, a student, a senior citizen or even an employed person with insurance, but wants to save even more on dental treatments.

Individual insurance plans often cost less than family or group plans and are of two types: conventional or discounted.

Conventional individual dental insurance plans are similar to most health insurance plans. With this type of plan, you pay a premium, either weekly or monthly, and in return, receive dental benefits which can range anywhere between 80-100% of the dental fee. There are some limitations with a conventional plan, but there are ways to use other methods to maximize your savings or coverage. For example, if you are employed, your employer may have a Dental Reimbursement Plan. Dental reimbursement plans allow you to set aside pre-taxed money to cover expenses not paid for by your traditional plan. You may also consider a discounted dental plan that locks in the fees the dentist charges.

Discount dental plans operate on the same premise as conventional dental insurance, but with less the hassle. While there are providers you must use, there are no claim forms, long waiting periods, deductibles, and regulations on pre-existing conditions. As a plan member, you simply show your membership card when visiting any participating plan provider and receive dental services at discounted rates.

In addition to dental discounts, many dental plans offer discounts on other services which include physical theraphy, vision, prescription drugs, over the counter medicines, fitness clubs, hearing aid devices, diabetic supplies, and so much more. And all of this for no additional cost! Below is a sample of dental savings you can receive with a discount dental plan.

The following table is a small selection of common procedures discounted by Aetna Dental Access® using zipcode 33176.

Procedure Description Usual Fee 1 Discounted Fee
(for Plan Members) 2
Member Savings Savings Percentage
Routine 6 Month Check-Up $57 $32 $25 44%
In Depth Check-Up $99 $45 $54 55%
Full Mouth X-Rays $144 $75 $69 48%
Four Bitewing X-Rays $70 $35 $35 50%
Panoramic Film $122 $73 $49 40%
Adult Teeth Cleaning $102 $61 $41 40%
Child Teeth Cleaning $75 $38 $37 49%
Protective Sealant / Tooth $61 $30 $31 51%
1 Surface White Filling for U or L Front Tooth $175 $87 $88 50%
Single Crown - Porcelain on High Noble Metal $1,227 $874 $353 29%
Single Crown - Porcelain on Noble Metal $1,162 $847 $315 27%
Core Build-Up With Pins $296 $163 $133 45%
Root Canal Treatment - Front Tooth $826 $464 $362 44%
Root Canal Treatment - Bicuspid $967 $585 $382 40%
Root Canal Treatment - Molar $1,170 $729 $441 38%
Perio Scaling and Root Planing (Per Quadrant) $271 $165 $106 39%
Full Upper Denture $1,855 $1,034 $821 44%
Tooth Replacement Part of Permanent Bridge $1,197 $767 $430 36%
Single Tooth Removal - Simple Extraction $197 $88 $109 55%

This fee schedule is only to be used as a guide to determine approximate prices for dental services in your area and reflects information currently available from Individual dentist fee schedules may differ.

1 Source: (DP.C) 2010 Survey of Sample Average National Dental Fees (updated March 2011). Fees may vary slightly by region.

2Discounted fees are listed for visits to a participating general dentist. Members will be charged the provider's contracted fees which may vary from the sample fee schedule above. Consult with your provider prior to beginning any treatment.

> Paying for Treatment > > Self Employed


The website is administered by, Inc., 8100 S.W. 10th Street Suite #2000, Plantation, FL 33324. Plans and Programs marketed by are not health insurance policies, and provide discounts at certain health care providers for medical services. The Plans and Programs marketed by do not make payments directly to medical service providers. The Plan or Program member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the Plan, Program or discount plan organization.

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