Your benefits package from work probably includes dental insurance. With this valuable coverage, you can access regular preventive care and dental procedures that protect your smile and overall health. Your dental insurance coverage may not extend to your spouse, children or other dependents, though, so consider several affordable ways to meet your family's dental needs.
Purchase Private Dental Insurance
Research private insurance companies that offer Individual Dental Insurance, and choose a plan that covers the dental care your dependents need. You can often reduce premiums by choosing a higher deductible or a plan with a more limited in-network dentist network.
Find Group Dental Insurance
Certain organizations such as membership groups and veterans' organizations offer group dental plans for members. These plans are often affordable because costs are spread across many members.
Choose a Discount Dental Plan
As an alternative to private or group insurance, consider a discount dental plan. For an annual fee, a discount plan gives access to a network of dentists who provide preventive and other services—cleanings, orthodontia, root canals and cosmetic treatments—at reduced rates.
Pay Out-of-Pocket
Paying for dental care directly is another option. If you pay out-of-pocket, ask the dental office about available discounts or payment plans that can reduce the immediate cost of care.
Visit a Dental School
Dental schools often provide low-cost or reduced-fee dental services. Licensed students perform procedures under faculty supervision, which can make common and some advanced treatments more affordable.
Find a Dental Clinic
Community dental clinics provide a range of oral health services for adults and children who don’t have insurance. Search your local health center locator to find a clinic near you.
Take Care of Your Teeth
Regular professional cleanings are important, but daily habits also matter. Reduce bacteria, plaque, gum inflammation, cavities and decay when family members:
- Brush at least twice a day.
- Floss daily.
- Rinse with an antibacterial mouthwash in the morning.
- Rinse with a fluoridated mouthwash in the evening.
Tips to Choose the Best Option
To choose the most affordable dental care option, compare the annual cost of expected dental services with the price of private, group or discount plans. Also verify plan details such as:
- Maximum yearly benefit
- Availability, location and customer reviews of covered dentists
- Coverage restrictions that may limit fluoride treatments, sealants or orthodontia
- Restricted coverage for pre-existing conditions
For an overview of plan types and features, review resources like Dental Benefits Overview to help compare options.
Even without employer coverage, your family has affordable options that can protect their oral health. For more assistance, talk to your insurance agent.
Frequently Asked Questions
Can my children be added to my employer dental plan?
Many employer plans allow dependents to be added, but coverage varies by employer and plan; check your benefits summary for specifics.
Are discount dental plans the same as dental insurance?
No—discount plans provide reduced fees for services but are not insurance and do not pay toward procedures.
Will dental schools fix all types of dental problems?
Dental schools commonly handle routine and many restorative procedures, but very complex cases may be referred elsewhere.
What if I can’t afford dental care right now?
Look for community clinics, dental school clinics, or payment plans at dental offices that can help manage costs.