Dental cover · Licensed in 48 states

Dental Insurance Plans

Tailored to what your family actually needs

Protect your smile with dental cover through All Solution Plus. We compare plans for individuals, families and small groups, and explain the three numbers that decide what a policy is really worth to you before you enrol.

What to expect

Dental insurance: what to expect

Dental cover works differently from medical cover, and understanding that difference saves people money.

Routine dental care

Cover towards the everyday work — oral exams, cleanings, X-rays, fillings, crowns and extractions. This is what most people claim on, most years.

Preventive first

Most plans cover preventive visits in full because catching a problem early is far cheaper than treating it late. Two cleanings a year is the usual allowance.

Cover that fits a budget

Dental cover spans a wide price range. We will tell you honestly when a plan is worth it — and when paying cash for a check-up would cost you less.

Quotes across every plan option and carrier

We pull quotes from the carriers we work with and put the real numbers side by side — monthly premium, annual maximum, waiting periods, and whether your dentist is in network. Most people have what they need to decide within a single conversation.

If you would rather ask a question first, a licensed agent can talk it through with no obligation and no pressure to enrol.

Plan types

Dental insurance key benefits

Three structures dominate the dental market. They are genuinely different products rather than tiers of the same thing.

Dental HMO (DHMO)

Access to dentists inside a set network who have agreed lower rates and meet quality standards. Care is covered only when you use a network provider, but premiums are usually the lowest of the true insurance options and many DHMO plans carry no annual maximum.

Dental PPO (DPPO)

More flexibility choosing a dentist. There is still a network, but far fewer restrictions on going outside it — your plan pays towards an out-of-network visit, just at a lower rate. Expect a higher premium and an annual maximum.

Discount dental plans

Worth being clear about: these are not insurance. You pay a membership fee for reduced rates at participating dentists, and the plan pays nothing towards treatment. No annual maximum and no waiting periods, but every visit comes out of pocket at the discounted rate.

Side by side

Compare the difference in dental plans

The choice usually comes down to one question: do you want to keep your current dentist, or is the lowest monthly cost what matters most?

Feature	Dental PPO	Dental HMO	Discount plan
In short	Most flexible, most expensive	Affordable, network-bound	Not insurance — a membership
Network	Open. In-network dentists cost you least; out-of-network still pays at a lower rate.	Closed. Coverage applies in network only, though discounts may exist outside it.	Large participating network, but not an open network.
Pros	Usually more coverage than an HMO Cleanings and X-rays often at no cost Keep the dentist you already use	Typically no waiting periods Most preventive services at no charge Often no deductible or annual maximum Generally guaranteed acceptance	Usually the lowest monthly cost See a specialist without a referral No waiting on major or minor services No cap on how much you use it Orthodontic discounts often included
Cons	Highest monthly premium Copays and a deductible usually apply Annual maximum caps what the plan pays	In-network coverage only Referrals may be needed for specialists Smaller choice of dentists	Pays nothing towards treatment You usually still pay for cleanings and X-rays Only works at participating dentists
Annual maximum	Yes — commonly $1,000 to $2,000	Often none	Not applicable
Best suited to	People who want to keep their dentist and expect major work	People wanting predictable low cost who are happy to switch dentist	People wanting cheap discounted access without a maximum

Scroll sideways to compare all three →

Dental carriers we work with

Plan availability and dentist networks vary by state and ZIP code — worth checking your own dentist before you enrol.

Common questions

What is an annual maximum, and why does it matter?

It is the most your plan will pay towards care in a plan year, commonly between $1,000 and $2,000. Once you reach it you pay everything else yourself. It is the single most important number on a dental plan and the one most people overlook.

What are waiting periods?

A delay before certain treatment is covered — often around six months for basic work and twelve for major work such as crowns or bridges. Some plans waive them if you had dental cover immediately beforehand, so mention it to your agent.

Is orthodontics covered?

Usually only as an optional add-on, frequently limited to dependent children and subject to a separate lifetime maximum rather than the annual one. Adult orthodontic cover is much less common and worth confirming in writing.

Are discount plans the same as insurance?

No, and it matters. A discount plan gives you reduced rates at participating dentists but pays nothing towards treatment. They can be good value if you want predictable savings without an annual cap, but they are not insurance and should not be compared like for like.

Can I keep my own dentist?

On a PPO usually yes, though you will pay more out of network. On a DHMO you generally must use a network dentist. Tell your agent who your dentist is and they will check the directory before you enrol.

Does dental come with a health plan?

For children, routine dental is an essential health benefit on ACA plans. For adults it generally is not included, which is why standalone dental cover exists.

Dental quotes specialised for you

Tell us your dentist, whether anyone in the household needs major work this year, and your budget. A licensed agent will compare annual maximums, waiting periods and networks so you can see what you would actually get back.

All Solution Plus is a licensed insurance agency. We do not offer every plan available in your area. Dental plan benefits, annual maximums, waiting periods, provider networks, premiums and eligibility vary by state and carrier. Discount dental plans are not insurance, do not pay benefits to providers, and are not a substitute for dental insurance. Any information we provide is limited to the plans we offer.