Dental Select’s Co-Insurance Dental Plans offer the broadest and most comprehensive coverage and benefits for individual and families. We offer two versions of these plans. Our standard Co-Insurance option covers all preventive services at 100%, with 70% coverage on basic services and 50% coverage on major services. With Co-Insurance Plus, enjoy all of the same benefits of our standard plan, plus enjoy shorter waiting periods, a lower annual deductible, additional coverage on basic services (80%), and orthodontic coverage for children 18 and under.

Senior versions of our Co-Insurance Dental Plans include additional benefits on senior-related services and a discount hearing plan.

Starting at $19 per month.


  • 100% coverage on preventive services
  • Annual deductibles as low as $50 for individuals and $150 for families
  • Orthodontic discounts available for all members
  • Orthodontic coverage available on Co-Insurance Plus for children under 18
  • Additional discounts available for teeth bleaching and cosmetic services
  • Includes EyeMed Discount Vision plan for all members
  • Which networks can I use?
    You can use any general dentists in our Platinum network, with more than 200,000 providers nationwide. Members in Texas and Utah may also choose to enroll on the Gold network.
  • Can I go out of network?
    Yes, you can always visit an out-of-network or non-contracted provider. However, your savings will be increased when visiting an in-network or contracted provider.
  • When is my plan effective?
    Generally, your plan will be effective on the first day of the month following enrollment. You may choose to retroactively start your plan on the first day of the current month. You will make that selection during the plan selection process.
  • Who can I include on my plan?
    In most states, you may include your spouse and any unmarried children up to age 19. Maximum ages may vary by state if they are a full-time student. In Texas, max age is 25. In Utah, max age is 26.
  • What if I require specialist services?
    After waiting periods and deductibles are met, members receive a paid benefit for covered services by both general and specialist providers. You are not required to receive services from a specialist, most general dentists perform specialist services. Contracted specialists may balance bill for charges above the plan payment.

Click on your state below to download a copy of the Dental Select Co-Insurance Dental Plans brochure.

Texas  |  Utah  |  All other states

For services rendered by out-of-network or non-contracted providers, the patient is responsible for the difference between the plan payment and the provider’s standard fee. In- and out-of-network are based on a contracted fee schedule. No balance billing for services rendered by an in-network or contracted provider.
Important Notice: This information is a brief description of the important features of the insurance plan. It is not a contract of insurance. The terms and conditions of coverage are set forth in the policies issued in the state in which the policy was delivered. Complete details may be found in the policies. The policy is subject to the laws of the state in which it was delivered.
  Plans are underwritten by ACE American insurance Company and rated A++ (Superior) by A.M. Best. Ratings are an indication of the company’s financial strength and ability to meet obligations to its insureds.