Texas - Individual Dental Plans

Dental Insurance Overview

If you don't have dental coverage from an employer, you will find that most insurance companies do not offer individual dental insurance plans.

Many companies claim to offer individual dental insurance when they are actually selling discount plans that only provide discounts for dental services at participating providers and do not provide actual insurance benefits.

The plans from Ameritas Dental, Aetna, Humana Dental, Spirit Dental, and Primestar Dental below are individual and family dental insurance plans, not dental discount programs.



Ameritas Dental Plans
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Ameritas Dental Plans

Our Rating:

Ameritas is one of the nation's leading providers of dental care services with 3.5 million insured members nationwide. If you're looking for an individual dental PPO plan that offer similar benefits to a group dental plan, an Ameritas Dental Plan is for you. It provides coverage for everything an employer plan would - preventive care coverage for cleanings and X-rays, crowns, bridges, and fillings.

Freedom to Use Any Dentist with Confidence

The Ameritas Dental Plans allow you the freedom to use any dentist and reimburse non-network providers at the 90th percentile of usual & customary prices (i.e. 9 out of 10 dentists do not charge more than Ameritas' reimubursement amount).

No Waiting Periods if Transitioning from Group Plan

Ameritas dental plans offer previous group dental participants a waving of any waiting periods if they transition to one of their plans within 30-days. This is the only individual plan that has this feature. If you are not transitioning from a group plan, they have waiting period of 6-months for minor work and 12-months for major dental work. There is no waiting period for preventive care on any plan.


Aetna Individual PPO Dental Plans

Aetna Individual Advantage Dental Plans

Our Rating:

Aetna Individual Advantage Dental has two plans to meet your meets - the Aetna Individual AdvantageSM Dental PPO Plan and the Aetna Individual AdvantageSM Dental PPO Plus Plan. They both offer coverage for:

  • Preventive care services such as cleanings, x-rays and more
  • Basic care like fillings, simple extractions, root canals, basic restorative work and more
  • Major services such as bridges, crowns, dentures and more

Features of the Standalone Dental Plans include:

  • No underwriting required - plan is automatic issue
  • Members who access participating PPO dentists will receive discounts (equal to the PPO negotiated rate) for non-covered services such as tooth whitening and adult orthodontics
  • All Individual Advantage PPO Dental Plan members get access to Aetna's Value Added Discount Programs. Members can save on: Vision, Natural Products and Services, Fitness, and discounts on Oral Health Care Supplies. In addition, discounts on vitamins, massage and acupuncture are also available


Humana Texas Dental Plans
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Humana Loyalty Plus Plan

Our Rating:

The Humana Loyalty Plus Plan gives you access to services with no co-payments through a wide network of dentists. This is a great plan for individuals who want:

  • Immediate benefits - With no waiting periods, you can get the dental work you need done today and your plan benefits will help cover the cost.
  • Coverage for preventive care, such as cleanings and X-rays, and discounts on basic and major services
  • No copayments for office visits
  • No exclusions for pre-existing conditions

Plan Features

  • No waiting periods, you can get the dental work you need done today and your plan benefits will help cover the cost.
  • Rewards for Loyalty - There is confidence in knowing your dental plan and your dental plan knowing you. Now, you will be rewarded for staying with the HumanaOne Loyalty Plus plan by:
    • Increased coverage for procedures such as fluoride treatments, filings, and root canals and most preventive services covered at 100%
    • Increased maximum amounts that the plan will pay annually: $1,000 in year 1, $1,250 in year 2, and $1,500 in years 3+
    • One-time deductible for as long as you stay on the plan: $150 per person up to $450 for a family
  • No copayments for office visits
  • No exclusions for pre-existing conditions
  • Specialty care and some cosmetic procedures covered at a discount

Humana Texas Dental Plans
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Humana Preventive Plus Plan

Our Rating:

If you're looking for a dental PPO plan, this one is low-cost and provides coverage for preventive care, such as cleanings and X-rays, and offers discounts on basic and major services. Plus, there are no copayments for office visits.

With the Preventive Plus plan, you can choose to visit any dentist in the Humana dental network. There are more than 120,000 in-network dentists nationwide to choose from. Even though you have the option of paying monthly or yearly, this is a one year plan.

Plan features include:

  • No copayments for office visits
  • Annual Deductibles: $50 for an individual, $100 for a two person plan, $150 for a family
  • Preventive services covered at 100% with in-network providers
  • With in-network providers, many basic services are covered 50 percent and you get a discount on most major services
  • No waiting period for preventive services; six month wait for basic services
  • $1,000 annual maximum per person per year
  • No exclusions for pre-existing conditions
  • Freedom to visit any provider, no primary care dentist required

Primestar Individual Dental Plans
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PrimeStar Dental Plans

Our Rating:

PrimeStar Dental Plans offer reasonable premiums starting at $23 per month and feature:

  • No Enrollment Fee
  • $1,500 Annual Benefit Option
  • 100% Preventive Coverage Option
  • Choice of Mulitple Plan Designs
  • Initial 12 Month Rate Guarantee
  • No Waiting Periods for Most Services
  • Freedom to Use Dentist of Your Choice
  • Optional Vision Coverage

Primestar Senior Individual Dental Plans
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PrimeStar Senior Dental Plans - Ages 60+

Our Rating:

PrimeStar Senior Dental Plans offer reasonable premiums starting at $23 per month and feature:

  • Freedom to Use Any Dentist of Your Choice - optional network available for additional savings
  • No Enrollment Fee
  • Up to $2,000 Annual Benefit Option
  • 100% Preventive Coverage Option
  • No Waiting Periods for Most Services
  • 3 Cleanings Per Year
  • Choice of 2 Plan Designs
  • Initial 12 Month Rate Guarantee
  • Free Hearing Aid Benefit Included

Sprit Individual Dental Plans
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Spirit Dental Plans

Our Rating:

If you're looking for a dental PPO plan where you can see any dentist you choose, provides coverage for preventive care such as cleanings and X-rays, covers crowns, bridges, and fillings, and has not waiting period, the Spirit Dental Plan is for you. Plus, there are no copayments for office visits and annual benefits up to $3,500!

Spirit Dental Plan Highlights include:

  • Freedom to Choose Any Dentist
  • No Waiting Periods
  • Guaranteed Acceptance
  • Implants and Major Services Covered
  • 3 Cleanings Per Year
  • Choose From $1,200, $2,500 or $3,500 Annual Maximums

Discount Dental Plans


Aetna Vital Savings Dental Discount Plans
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Aetna Vital Savings Discount Plan

Our Rating:

Aetna Vital Savings is a discount or reduced-fee dental and vision program. This program is designed for health conscious consumers looking to maintain their oral health and minimize their dental and vision care expenses. If your health insurance policy doesn't cover dental, vision or prescriptions, this plan will save you money of these expenses.



Careington Dental Plans
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CAREINGTON Dental Savings Program

Our Rating:

In our opinion, the CAREINGTON 500 Series Dental Plan is the one of the best discount dental plans available. Their fee reductions are two to three times larger than most discount programs and their network has over 54,000 dental providers to choose from. Some of the largest companies use Careington such as Humana, BlueCross BlueShield, Prudential, and Citigroup.