Last updated 04.14.2026
The Aspen Dental Savings Plan: a simpler, faster way to save on dental care
No insurance? Get instant dental savings, free exams and no waiting periods with the Aspen Dental Savings Plan.
Going to the dentist can feel stressful. Paying for it shouldn’t.
For many patients, the hardest part of a dental visit isn’t the treatment—it’s figuring out the cost. Between coverage limits, waiting periods and monthly premiums, traditional dental insurance can feel complicated fast.
And if you don’t have insurance, care can feel out of reach.
That’s why we created the Aspen Dental Savings Plan¹—a simple, affordable way to save on the care you need, without the confusion. No premiums. No waiting periods. Just unlimited savings from day one.
¹The Aspen Dental Savings Plan is NOT insurance. Please see plan terms and conditions for details.
Dental savings plan vs. dental insurance: a quick look
Here’s how the Aspen Dental Savings Plan compares to traditional insurance:
Traditional Insurance (averages)
Monthly premiums: Yes (often $30–$60+/mo)
Annual maximum: $1,000–$1,500
Waiting periods: 6–12 months for major work
Annual fee: $360–$720+/year
Cosmetic coverage: Rarely
Acceptance: Subject to approval
Deductibles: Yes
Aspen Dental Savings Plan
Monthly premiums: No
Annual maximum: None
Waiting periods: None — immediate
Annual fee: $49/year
Cosmetic coverage: Yes (discounts apply)
Acceptance: Guaranteed
Deductibles: No
No insurance? No worries
Dental care shouldn’t feel like a financial gamble.
Traditional insurance often means paying every month whether you use it or not—and even then, you may still face deductibles, delays and limits on what’s covered.
The Aspen Dental Savings Plan keeps things simple. It’s not insurance—it’s a membership that gives you access to reduced rates on a wide range of services.
Here’s what $49 a year gets you:
Low annual fee: Just $49/year for access to savings
Family-friendly: Add dependents for $29 each
Free exams & X-rays: Stay on top of your oral health at no extra cost
Nationwide access: Use your plan at participating Aspen Dental locations across the country
It’s care that fits your life—and your budget.
Savings without limits: are dental plans worth it?
Most insurance plans cap how much they’ll pay each year—often around $1,000 to $1,500. After that, you’re responsible for the full cost.
With the Aspen Dental Savings Plan, there’s no annual maximum. The more care you need, the more you can save.
What that means for you:
No yearly limits on savings
Up to 30% off dental services
Discounts on everything from routine care to more advanced procedures
You don’t have to delay treatment or wait for benefits to reset. You can move forward with care when you need it.
Simple from the start: how do dental savings plans work?
We designed the Aspen Dental Savings Plan to be easy to use—because dental care shouldn’t come with extra stress.
It’s as simple as:
1. Sign up online or in-office
2. Start using your benefits right away
3. Pay discounted rates at your visit
No approvals. No waiting periods. Just affordable care.
Guaranteed acceptance: No applications, credit checks or health questions
Immediate savings: Use your plan the same day you enroll
Clear pricing: Know your costs upfront before treatment begins
A smart option for seniors and uninsured patients
The Aspen Dental Savings Plan can be a great fit if:
You’re retired and Medicare doesn’t cover your dental care
You’re self-employed or a freelancer without employer coverage
You’re a small business owner managing your own benefits
You’re uninsured and need affordable care now
You need treatment right away and can’t wait for insurance timelines
It’s a simple way to get access to care—without jumping through hoops.
What you could save with the Aspen Dental Savings Plan
Here are some of the savings members may receive on services:
Plan member discounts²
Exams: 100% covered
X-rays: 100% covered
Preventative hygiene: 30% off
Dentures (excluding Basic): 20% off
Gum disease treatment: 20% off
Implants: 20% off
Motto® clear aligners: 10% off
²For exact pricing and participation, contact your local Aspen Dental office.
In many cases, a single visit for an exam and X-rays can cover the cost of your annual membership. After that, it’s all savings.
Frequently asked questions about the Aspen Dental Savings Plan vs. insurance
Can I use the plan if I already have insurance?
Yes—but you can’t combine both for the same procedure. Many patients use the plan when insurance doesn’t cover something or after they reach their annual limit.
Does it include cosmetic procedures?
Unlike traditional insurance, the plan offers discounts on many services—including some cosmetic treatments available at participating offices.
Can I use HSA or FSA funds?
Yes. Most dental treatments qualify as eligible expenses, so you can use HSA or FSA funds to pay for care.
Is there a limit to how often I can use it?
No. You can use your plan as often as you need throughout the year.
Can I use it at any Aspen Dental location?
Your membership works at participating locations nationwide, making it easy to get care wherever you are.
Are dental savings plans worth it?
For many people without employer-sponsored insurance, yes. You get immediate savings, no waiting periods and no annual limits—all for a low yearly fee.
Does the plan renew automatically?
Yes, for convenience. You’ll be notified before renewal and can cancel anytime.
Can I be denied enrollment?
No. Acceptance is guaranteed for all applicants.
Stop worrying about not having insurance
Not having insurance shouldn’t mean putting off care.
With the Aspen Dental Savings Plan, you can move forward with confidence—knowing your care is simple, clear and affordable.
Stop worrying, start saving and smile sooner
Sign up online or visit your local Aspen Dental office today.
