Ideal Dental Savings Plan

The dental savings plan for care without insurance.

One yearly fee covers your exams, cleanings and X-rays — plus 20–75% off other select services. No deductibles, no caps and no waiting periods.

Not insurance — a membership plan offered at participating Ideal Dental offices. Join online in a few minutes.

Plan spotlight
Ideal Smile
$279 per year · individual member
  • 2 periodic exams
  • 2 regular cleanings
  • Unlimited full-mouth X-rays
  • Unlimited emergency exams
  • 20–75% off other select services
150+
Ideal Dental locations
70,000+
five-star guest reviews
$0
deductibles
Day one
use your benefits — no waiting periods
How it works

What is a dental savings plan?

A dental savings plan is a membership you join directly through your dental office. You pay one flat fee, your routine preventive care is included, and most other treatment is discounted at member pricing. There are no claims to file, no deductibles to meet and no waiting periods before you can use it. It's not insurance — it's a simpler way to get care when you don't have coverage.

Preventive care included

Depending on your plan, exams, cleanings, X-rays and fluoride are covered by your membership — no extra cost at the visit.

No caps or waiting

Use your plan the day you join. There's no annual maximum to run out of and no waiting period for bigger treatment.

Member savings on everything else

When a service isn't included in your plan, members save 20–75% on other select services, applied right at checkout.

Plans & pricing

Choose the dental membership plan that fits

Three plans, one simple idea: pay a flat yearly fee and stop worrying about deductibles, caps and claim forms. No hidden fees, no late fees and no waiting periods on any plan.

Ideal Loyalty

A low-cost way in — for guests who mainly want emergency coverage and member savings.

$99
per year · primary member
Add your family
Dependents just $79/year each
Cover everyone at home on one plan.
  • 1 emergency exam per year
  • 1 set of X-rays per year
  • 20–75% off other select services
Get started

Ideal Smile

Your full year of preventive care — two checkups and cleanings, plus unlimited X-rays and emergency exams.

$279
per year · individual member
Add your family
First dependent $200/year
Each additional dependent just $100/year.
  • 2 periodic exams
  • 2 regular cleanings
  • 2 fluoride treatments
  • Unlimited full-mouth X-rays
  • Unlimited emergency exams
  • 20–75% off other select services
Get started

Ideal Perio

Built for guests who need ongoing gum care, with three periodontal maintenance visits a year.

$499
per year · individual member
  • 2 periodic exams
  • 3 periodontal maintenance visits
  • 2 fluoride treatments
  • Unlimited full-mouth X-rays
  • Unlimited emergency exams
  • 20–75% off other select services
Get started

Prices shown are billed annually; monthly billing is also available. Plan pricing, included services and discounts are set by the plan and may change — see the plan portal for current details and the full savings summary.

Side by side

Dental savings plan vs. dental insurance

Both can make care more affordable — they just work differently. Here's how the Ideal Dental Savings Plan compares with a typical dental insurance policy.

Ideal Dental Savings Plan
Typical dental insurance
What it is
A membership with your dental office — included care plus member pricing
A policy that pays a share of covered costs
What you pay
One flat yearly fee (monthly billing available)
Monthly premiums, often plus copays or coinsurance
Deductibles
None
Usually must be met before coverage starts
Annual limits
No caps on member savings
Typically an annual maximum benefit
Waiting periods
None — use it the day you join
Often apply to basic or major care
Paperwork
No claims — savings applied at your visit
Claims filed for each visit
Best for
Guests without coverage who want predictable costs
Guests with an employer or individual dental plan

Already have dental insurance? Ideal Dental accepts most major dental PPO plans — see the insurance we take.

Getting started

Join in three easy steps

No applications, no approvals and nothing to wait on.

1

Pick your plan

Choose Loyalty, Smile or Perio and sign up online in a few minutes — or ask to join at your next visit.

2

Book your visit

Schedule at an Ideal Dental office near you. Most locations are open Saturdays.

3

Use your benefits right away

Your included care and member savings start the day you join — savings are applied right at checkout.

Is it right for me?

Who a dental savings plan works best for

If you're paying for dental care out of pocket, a savings plan usually makes the math simpler. It's a strong fit if any of these sound like you.

No dental insurance

Self-employed, between jobs, or your employer doesn't offer dental — get routine care without buying a policy.

Retirees and seniors

If your health coverage doesn't include routine dental care, a flat yearly fee keeps checkups and cleanings predictable.

Families

Add dependents at a reduced yearly rate so everyone stays on schedule with checkups and cleanings.

Ongoing gum care

The Ideal Perio plan includes three periodontal maintenance visits a year for guests managing gum disease.

Care you can't wait on

No waiting periods means you can use member pricing right away — and Smile and Perio include unlimited emergency exams.

Anyone who's been putting it off

If cost has kept you away, a clear yearly price is an easy way back. No judgment — we see it every day.

Planning bigger treatment? You have options.

Your membership keeps routine care simple. For larger treatment like crowns, implants or orthodontics, ask about flexible financing so you can spread the cost over time.

Questions

Dental savings plan FAQs

Still deciding? Here are the questions guests ask us most.

What is a dental savings plan?

A dental savings plan is a membership you join through your dental office. You pay one flat fee, routine preventive care is included, and most other treatment is discounted at member pricing. There are no claims, deductibles or waiting periods. It is not insurance.

Is the Ideal Dental Savings Plan insurance?

No. It's a discount savings plan offered by participating Ideal Dental offices and administered by Subscribili. You pay the office directly for any care beyond what your plan includes, at member pricing.

How much does the Ideal Dental Savings Plan cost?

Ideal Loyalty is $99 a year for a primary member, Ideal Smile is $279 a year for an individual, and Ideal Perio is $499 a year. Dependent pricing and monthly billing are available, and current pricing is always shown in the plan portal.

Can I use my plan right away?

Yes. There are no waiting periods, so your included services and member savings are available as soon as you join.

What does the Ideal Smile plan include?

Each year, Ideal Smile includes two periodic exams, two regular cleanings, two fluoride treatments, unlimited full-mouth X-rays and unlimited emergency exams, plus 20–75% off other select services.

Can I add my family to the plan?

Yes. Ideal Loyalty dependents are $79 a year. On Ideal Smile, the first dependent is $200 a year and each additional dependent is $100 a year.

Is a dental savings plan better than dental insurance?

It depends on your situation. If you don't have dental coverage, or you want predictable costs without deductibles, annual caps or waiting periods, a savings plan is often the simpler choice. If you already have a dental PPO, Ideal Dental accepts most major plans.

How do I join?

Sign up online in a few minutes through the Ideal Dental Plan portal, or ask to join at your next visit at a participating Ideal Dental office.

Dental care without insurance starts here.

Pick your plan, book your visit and start saving the same day.

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