Most dental insurance is offered by employers to their employees and dependents. If your employer offers a plan, contact your human resource department for a copy of the plan booklet that details your benefits.

Buy directly from an insurance company

The following companies are actively selling individual dental plans as of January 1, 2013:

Note: This list may not be comprehensive. To find a plan in your area, contact an insurance agent.

Check out low- or no-cost dental programs

If you’re shopping for dental coverage on your own, see if you qualify for a low- or no-cost program..

If you're on Medicare

Medicare does not cover routine dental care, but there are some Medicare Advantage plans that provide basic dental care such as cleaning and screenings. You can also contact companies directly that offer individual dental plans to see if they cover Medicare clients.

Before you buy, ask:

• What are the plan's costs, benefits and exclusions?
• Which dentists participate in the plan?
• Do I think I’ll need major dental work?
• Will regular exams and cleanings be enough?
• When was my last dentist visit?
• Will I need x-rays or other services?
• How does the cost of paying for dental insurance compare to paying for dental services without insurance?

Updated 06/07/2013