Dental insurance average cost per month

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When it comes to dental care, having insurance can provide financial peace of mind. However, before purchasing dental insurance, it is essential to understand the average cost per month. This article will delve into the topic of dental insurance average cost per month, providing insights into the factors that influence pricing and the range of costs you can expect.

Factors Affecting Dental Insurance Costs

Several factors can influence the average cost of dental insurance per month. These factors include:

Type of Coverage: The type of dental coverage you choose plays a significant role in determining the cost. There are different types of plans available, such as dental health maintenance organizations (DHMOs), preferred provider organizations (PPOs), and dental indemnity plans. Each plan has its own pricing structure, with DHMOs usually being the most affordable and dental indemnity plans often being the most expensive.

Geographical Location: The cost of dental insurance can vary depending on where you live. In areas with a higher cost of living, dental insurance premiums tend to be higher as well. Urban areas may also have more dental providers, leading to increased competition and potentially lower prices.

Age: Age is another factor that can impact the cost of dental insurance. Generally, older individuals may require more extensive dental care, leading to higher premiums. Younger individuals or those without significant dental issues may have lower monthly costs.

Family Size: If you are purchasing dental insurance for your entire family, the number of family members covered will affect the cost. Adding more individuals to the plan will increase the monthly premium.

Plan Coverage Limits: Different dental insurance plans have varying coverage limits and benefit levels. Plans with higher coverage limits and more comprehensive benefits tend to have higher monthly costs.

Average Cost Range

The average cost of dental insurance per month can vary significantly depending on the factors mentioned above. On average, individuals can expect to pay anywhere from $15 to $50 per month for dental insurance. Family plans, which cover multiple individuals, can range from $30 to $150 per month.

It is important to note that these figures are just averages, and actual costs may differ based on individual circumstances and the specific insurance provider.

Additional Considerations

While the average cost per month provides a general idea, there are a few additional considerations to keep in mind:

Out-of-Pocket Expenses: Dental insurance plans often have deductibles, copayments, and coinsurance that may require additional out-of-pocket expenses. These costs can vary depending on the plan and the specific dental procedures.

Waiting Periods: Some dental insurance plans have waiting periods before certain services are covered. This means that you may have to wait a certain period, typically a few months, before being eligible for specific treatments.

Network Providers: Insurance plans often have a network of dentists and specialists with whom they have negotiated discounted rates. It is important to consider whether your preferred dental providers are included in the plan’s network.


The average cost of dental insurance per month can range from $15 to $50 for individuals and $30 to $150 for family plans. However, several factors, including the type of coverage, geographical location, age, family size, and plan coverage limits, can influence the actual cost. It is crucial to consider these factors and evaluate different insurance providers to find the best plan that suits your needs and budget.


– American Dental Association:
– National Association of Dental Plans:
– eHealth: