Dental Insurance & Dental Savings Plans


Dental Savings Plans

These three discount dental plans can be used immediately and provide savings on procedures, including cleanings, fillings, root canals, crowns, braces and more. Since these plans are Not dental insurance, there are No limits on how often you use the plan, No waiting for any dental procedures or age limits. These plans are great options if you need to see your dentist immediately for a preventative, basic or major service. The savings on dental procedures are significant and the plans are very easy to use. Simply use a participating dentist, the discount is applied to your bill and you pay the remainder to the dental office. All three plans are the same affordable price and can be used right after you sign up! The dental discount plans are available in all states EXCEPT: VT and WA.

Dental Access Plan Starting at $9.95 Per Month or $99.00 Per Year

  • No Waiting – Use immediately for nearly all dental services. No usage limits or age limits
  • Utilizing the Aetna Dental Access ® Network with Over 226,000 Dental Practice Locations Nationwide
  • Includes Dental Access plan and EyeMed Vision at no additional cost

View the Dental Access Plan »

Careington Dental Plans Starting at $9.95 Per Month or $99.00 Per Year

  • No Waiting for dental procedures or Usage Limits. Use the Careington dental plans immediately
  • Offering both Careington 500 Series and Careington POS Series plans
  • Includes EyeMed Vision Discount Plan, Online Fee Schedules showing procedure costs

View the Careington Dental Plans »

DentalPlus Savings Plan Starting at $9.95 Per Month or $99.00 Per Year

  • Save 20% on the monthly or yearly cost with Promo Code LTCC20 at checkout
  • No Waiting – Use immediately for most dental services. Use as often as needed
  • Utilizing the DenteMax® dental discount network
  • Includes Dental and EyeMed Vision Discount Plans

View the DentalPlus Savings Plan »

PPO Dental Insurance Plans

Offering many dental insurance plan options to choose from. Enjoy the freedom of using your own dentist or realize additional savings by using a PPO network provider. Plan options with No waiting periods, greater annual maximums and next day dental insurance coverage available. These insured dental plans pay a percentage for each procedure. Most plans have no age limits. Vision insurance is a optional add-on. We do not offer dental insurance in AK, CA, CT, DC, HI, MA, NJ, NM. NY, WA or VT

Best One Dental Insurance – No Waiting Period PPO Options

  • Choice Options with Annual Maximums of $3,000 and $5,000
  • Economy plan option with $1,500 Annual Maximum
  • Use any Dentist or Save more with a Nationwide network provider
  • No Deductibles – $25 Copay per visit
  • Choice plans include preventative, basic and major with no waiting periods
  • Economy plan includes preventative and basic procedures
  • Includes EyeMed discount vision plan

View BEST One Dental Insurance »

Spirit Dental Insurance – No Waiting Period Dental Insurance

  • No Waiting Periods for Preventative, Basic or Major Services
  • Use any Dentist or Ameritas Classic PPO Provider
  • Annual Maximums of $750 to $5000 per Person
  • Includes three free cleanings and two exams per calendar year
  • Major Services Paid 50% in IL Starting Day One. All other states are paid up to 25% Year One and 50% Year Two
  • Optional Vision Insurance

View Spirit Dental Insurance »

Ameritas Prime Star – No Waiting Period Dental & Vision Insurance

  • No Waiting Periods for Preventative, Basic or Major Services
  • Use any Dentist or save more with a Ameritas dental network provider
  • Annual Maximums of $750 to $2,500 per person – Preventative does not count towards the annual maximum
  • The Ameritas Dental Network is one of the nation’s largest. Network providers have agreed to charge 25-50% less than their regular rates which will lower your out-of-pocket costs
  • Optional Vision Insurance

View PrimeStar Dental Insurance »

Aflac Dental Insurance

  • Decreasing deductible – Effective as Early as Tomorrow
  • Use any dentist or Save by using network provider
  • Affordable plan options with calendar year maximums up to $1,500
  • Plans available with vision and hearing services
  • Aflac Dental is Underwritten by Tier One Insurance Company

View the Aflac Dental Insurance »

Dental plans 1 thru 3 (Careington DentalDental Access Plans which utilizes the Aetna Dental Access® Network) and the DenteMax Dental Plans are NOT Insurance, they are reduced fee / discount programs. With a reduced fee program, your bill is discounted according to the procedure schedule. You would then pay the remainder of the bill directly to the dentist office. The Careington 500 discounts are 20%-60% on most procedures. The Careington POS discounts are 20% – 50% on most procedures. The Dental Access dental discount plan utilizing the Aetna Dental Access® network discounts are 15% – 50% on most procedures. The DentalPlus dental discount plan utilizing the DenteMax® network discounts are 20-50% on most procedures.

A dental discount plan has absolutely no waiting for services which means you can use it immediately for major services such as crowns and root canals. They are a very affordable plan option. The discount plans can only be used at participating dentists.

Plans 4, 5, 6 and 7 are insured plans for individuals and families which allow you to use any dentist or utilize a PPO dental network option for additional savings.

What is the difference between a Dental Savings plan and a Dental Insurance plan?

Dental Savings plans provides network discounts on most procedures when using a dentist in the plans network. These are the same network discounts that many dental insurance plans use. Dental Savings plans also have no waiting, so you can use a savings or discount plan immediately for preventative, basic and major services.

Dental insurance, on the other hand pays a percentage of the cost of your procedures, this is where the insurance company comes in. Preventative services have no waiting periods. Many Dental Insurance plans will have a waiting period for basic and major services or they pay a lesser amount the first year that you have the plan. Unlike dental discount plans, insured plans also have deductibles and most have waiting periods for basic and major treatment.

If you need help deciding, which type of dental discount plan or dental insurance coverage is best for you, simply Contact Us.