Individual & Family Dental Plans
Dental insurance works differently than health insurance. Let's set the right expectations up front so you can pick a plan that fits your budget and your smile.
View and enroll in Ameritas dental plans directly online. Hellen Stevens, TXInsurance Agency LLC, is the broker of record on these plans.
Shop Ameritas dental plansWant to skip the paperwork? Enroll yourself in a Cigna dental plan online in a few minutes — no call needed. Have questions first? We're happy to compare it against other carriers.
Enroll in Cigna dental onlineNo dental plan covers every service, and no plan covers everything immediately. Benefits are tiered by category — preventive, basic, major — and most plans have waiting periods for anything beyond cleanings and exams. Knowing what to expect before you buy is the best way to avoid surprises at the dentist's office.
PPO and HMO-style plans with pre-negotiated contract rates at participating dentists. You usually save the most when you stay in-network because the carrier has already locked in discounted fees.
Go to any dentist you want — no network required. The plan pays you back a set percentage of the procedure cost based on a fee schedule. Freedom and flexibility, with predictable reimbursement levels.
Had dental insurance recently?
You can stack multiple dental policies for maximum value.
In the right situation, we can coordinate two or more dental plans so they work together — especially helpful if you have prior dental coverage. Stacking can increase your total benefit and reduce what you pay out of pocket for bigger procedures. Ask us if this strategy fits your household.
- Up to $1,500 annual benefit
- Up to $5,000 annual benefit
- No maximum lifetime benefit
Dental plans are designed for routine and preventive care. More expensive services are usually covered at a lower percentage — or not at all. Be realistic about:
- Implants
- Orthodontics
- Cosmetic dentistry
These are almost never covered in full, and cosmetic dentistry is rarely covered at all. If you have no prior dental coverage, expect standard waiting periods to apply. The good news: most members still save 30–60% overall with a solid plan.
A good individual dental policy is typically $32 to $60 per person per month.
Price varies by age, benefit level, and whether you want a network plan or reimbursement plan. We'll shop the market and explain the trade-offs so you can choose confidently.
Ready to find a dental plan?
Call us, send a message, or book a quick call. We'll compare options, check waiting periods, and help you pick a plan that matches your budget and your dental needs.