Dental Insurance New Jersey

Looking for dental insurance in New Jersey? Consider your options first - traditional dental insurance may not provide the best deal. A dental discount plan could cost you less and save you more on the same amount of dental work.

Traditional Dental Insurance in New Jersey

Consider the costs of dental insurance: You pay a premium every month. You pay a co-pay for many services. And you pay for any care that runs over your annual benefits cap (usually just $1,000-2,000 dollars).

Smart patients in New Jersey are starting to see that dental insurance isn’t always a great deal. If you don’t go to the dentist often, you can pay more for premiums that you get back in care. If you need extensive dental services, you can quickly surpass your benefits cap, paying the rest out of pocket. Learn more about how dental insurance differs from dental discount plans.

New Jersey Dental Plans Are The Smart Alternative to Insurance

Dental plans work in a different way than insurance. Instead of a premium, you pay an annual or monthly membership fee, which entitles you to discounts of 20-50 percent from participating dentists. You pay discounted rates directly to the dentist, but there’s no annual cap—you save big on every procedure you need.

Learn more about Dental Plans - download our free guide to dental plans.

DentalSave - Saving New Jerseyans on Dental Care Since 1981

DentalSave is the original discount dental plan and has been serving New Jersey for over 36 years. Start saving with three easy steps.

DentalSave Membership Card

New Jersey Dentists

With thousands of dentists across New Jersey, you’re never far from a DentalSave provider. Search for dentists in Jersey City, Princeton, Trenton, Cherry Hill, or anywhere else in the state with the easy-to-use Dentist Search Tool.

Dental Plan Options in New Jersey

DentalSave offers plan options for every family and budget to help you keep your everyone’s smile bright and healthy for less. Plans start under $10/month.

dual pricing

How much dental insurance costs in NJ

Procedure What your dentist charges What you pay
Annual fee/premiums (individual) NA $1,200
Two annual exams $104 $0
Two annual cleanings $186 $0
X-rays $137 $0
One filling $255 $0
Total: $682 $1,200

If you only look at the dentist’s bills, insurance might seem like a great deal—our hypothetical patient pays nothing for exams, cleanings, x-rays, and a filling.

But add in the cost of premiums. In this case, our patient would have saved nearly 50 percent by simply paying the dentist out of pocket. Granted, our patient has the peace of mind of knowing they’re covered for more expensive care should they need it, but only to a point.

Dental Plans vs. Insurance

Procedure DentalSave Insurance
Annual fee/premiums (individual) $99 $1,200
Two annual exams $57 $0
Two annual cleanings $102 $0
X-rays $75.50 $0
One filling $181 $0
Total: $514.50 $1,200

We’ve already established that for an individual who needs basic dental care, insurance isn’t a great deal. It’s no surprise that in this comparison, a DentalSave member comes out on top.

But also notice how DentalSave membership pays for itself. Our membership fee and dentist’s costs combined are significantly less than the $682 a non-member would pay for the exact same care.

Some dentists accept both DentalSave and insurance. Ask if you can combine both kinds of plans for even better deals. And if you’re looking for a dentist, use our search tools to find a DentalSave dentist close to you.

Want to learn more? Read about whether dental insurance is worth it, and compare DentalSave and dental insurance side by side.

Just a few simple steps

It takes just a few minutes to enroll in your DentalSave plan:


Choose a plan that fits your household and your budget—individual, couple, and family options from $99-199 a year, payable annually or monthly.


Find your dentist – choose a participating Wyoming dentist or see whether your current dentist takes DentalSave.


Get the care you need – there’s no waiting period, and all you need to do is show your membership card to save.

With DentalSave, the savings start right away, and anyone can join.

Show me how to save on all my dental care

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