No Dental Benefits at Work? 7 Places to Look for Affordable Dental Care

Dental tools on top of paper that says dental care

Not all employers offer dental benefits. If you’re struggling to find affordable dental care, here are some places to start. 

Ask Your Dentist

Some dental offices have established dental membership savings plans. Typically, these plans charge you a fixed dollar amount on an annual basis and cover certain procedures at no additional charge (for example, cleanings and exams). After that, other procedures are discounted. Ask your dentist if he or she offers such a plan.   

Many dentists also give back to their communities and offer free or low-cost days of care. Keep an eye out in your local news or use our Find-A-Dentist tool to reach out to dentists in your area. 

Affordable Care Act Marketplaces

In addition to offering traditional health insurance plans, the Affordable Care Act insurance marketplaces are required to offer dental coverage for children. States may also offer dental coverage for adults. Check out “Choosing a dental plan under the Affordable Care Act (ACA)” for more information on buying coverage through the ACA marketplaces. Visit Healthcare.gov to learn more about all of the plans offered under the ACA.  

Federally Qualified Health Centers 

Most Federally Qualified Health Centers provide comprehensive primary dental health care for its patients. Those individuals/families with incomes 200% or lower than the federal poverty level ($49,200 or less for a family of four) are eligible for a sliding fee discount depending upon the size of your family and your income. You can find a health center near you at https://findahealthcenter.hrsa.gov/

The Local Dental School

Another source of lower-cost dental care is a dental school clinic. Generally, dental procedure fees in school clinics are reduced and may only include charges to cover the cost of materials and equipment.  

From Your State 

Assistance programs vary from state to state. Find your state on this list and contact your state dental society to find care in your area.

Oral Health America

Oral Health America is a nonprofit organization that focuses on oral health education for seniors and helps them find affordable dental care. If you’re 60 or older (or you’re the caregiver for someone who is), you can find a list of dental care resources in your area at ToothWisdom.org.  

Government Programs for Children 

Many children in this country qualify for Medicaid coverage. In addition, the Children's Health Insurance Program (CHIP) provides free or low-cost health coverage for more than 7 million children up to age 19. CHIP covers U.S. citizens and eligible immigrants. To find dentists in your state who participate in CHIP and Medicaid, visit the Insure Kids Now website or call the Insure Kids Now hotline at 1.877.KIDS.NOW.     

More Dental Benefits FAQ >>