Dental Insurance Plans for Individuals

Your dental care needs are unique,  shaped by your health history, genetics, and lifestyle. That’s why Delta Dental of Iowa offers a variety of individual dental insurance plans designed to support your oral and overall health. Whether you need a basic plan for preventive care or more extensive coverage for services like crowns and bridges, our individual dental plans are tailored to fit your life and your budget.

Explore our individual dental plans

Finding the best dental insurance plans for individuals starts with knowing your needs. Delta Dental of Iowa offers flexible, budget-friendly independent dental insurance options that make it easy to care for your smile.

Preventive Prime Plan

Simple, affordable dental care for everyday needs.

The Preventive Prime plan is a streamlined option that includes:

• Two routine exams and cleanings per year
• Diagnostic x-rays
• Basic fillings

Ideal for individuals who maintain good oral hygiene and don’t expect major dental work, this plan provides dependable personal dental insurance coverage without unnecessary extras.

Best for: People who want an easy, cost-effective individual dental insurance plan for preventive care. 

Preferred Prime Plan (Most Popular)

More benefits. More value.

Our most popular plan, the Preferred Prime plan, includes everything in the Preventive Prime plan — plus coverage for:

• Crowns and bridges
• Periodontal services
• Other basic and major dental procedures

This option balances affordability and benefit-rich coverage, making it one of the best dental insurance plans for individuals who want peace of mind and predictable dental costs.

Best for: Those looking for expanded personal dental insurance that fits most dental care needs.

Platinum Prime Plan

Comprehensive protection with lower out-of-pocket costs.

The Platinum Prime plan is ideal for individuals who anticipate significant dental procedures. It offers:

• An annual maximum benefit of $2,000
• Lower out-of-pocket costs
• Broad coverage including oral surgery, crowns, and root canals

If you're looking for premium independent dental insurance that gives you added financial security, this is the plan for you.

Best for: Individuals with complex dental needs or who want the highest level of individual dental insurance coverage.

Why choose Delta Dental individual plans?

When you choose Delta Dental of Iowa, you’re choosing a trusted partner in oral health. Here’s what sets us apart:

• 9 out of 10 Iowa dentists are in-network
• Flexible individual dental plans for every stage of life
• Easy online tools to get a quote, compare plans, and enroll
• Exceptional customer service and fast claims support

For the self-employed: Delta Dental individual plans are flexible, making them a great option if you work for yourself. Learn more about dental coverage for the self-employed and see how we can help protect your smile while you manage your own business.

Individual Insurance Plan FAQs

• What is personal dental insurance, and how does it work?

  Personal dental insurance is a plan you purchase for yourself to help cover the costs of dental care. It works by paying a monthly premium in exchange for coverage of a variety of dental services. Depending on the plan, coverage may include preventive care (like exams and cleanings), restorative care (like fillings, crowns, and bridges), and even more extensive services. Your plan may also have a deductible, co-pays, and coverage limits that vary based on the type of plan you choose.

• What are the best dental insurance plans for individuals?

  The best dental insurance plan for individuals depends on your specific needs and dental health history. For basic preventive care, Preventive Prime is an affordable option that covers exams, cleanings, x-rays, and fillings. If you need more extensive coverage, Preferred Prime is a popular choice that includes restorative services like crowns and bridges. For those who anticipate significant dental work, Platinum Prime offers the highest coverage with an annual benefit maximum of $2,000 and lower out-of-pocket costs.

• Does Delta Dental offer individual dental insurance plans?

  Yes, Delta Dental of Iowa offers a variety of individual dental insurance plans to fit different needs and budgets. Whether you need basic preventive care or more comprehensive coverage for major dental services like crowns, implants, and dentures, Delta Dental has a plan that’s right for you. You can easily get a quote online and sign up for coverage that meets your personal dental health needs.

• What are individual dental plans, and which one is right for me?

  Individual dental plans are insurance options designed to cover the cost of dental care for one person. At Delta Dental, we offer several individual dental plans to choose from:

  • Preventive Prime: Best for those who need basic coverage for routine exams, cleanings, and x-rays.
  • Preferred Prime: Offers a broader range of coverage, including restorative services like crowns and bridges.
  • Platinum Prime: Ideal for individuals who anticipate needing more extensive dental services, with a higher annual benefit maximum and lower out-of-pocket costs.

  To choose the best plan for you, consider your current dental health and whether you anticipate needing more extensive dental work in the future.

• What does Delta Dental’s individual dental insurance cover?

  Delta Dental’s individual dental insurance plans cover a wide range of services to support your oral health, including:

  • Preventive care: Exams, cleanings, and x-rays to maintain your oral health and detect issues early.
  • Restorative services: Fillings, crowns, bridges, and root canals to repair and restore damaged teeth.
  • Major dental work: For more extensive needs like dentures, implants, and advanced restorative treatments (depending on the plan you choose).

  You can choose from plans that focus on preventive care or more comprehensive coverage, depending on your needs.

• Are individual dental plans affordable?

  Yes, individual dental plans from Delta Dental are designed to be affordable while offering comprehensive coverage. Plans like Preventive Prime are budget-friendly for those who need basic care, while plans like Preferred Prime and Platinum Prime offer more extensive coverage at competitive prices. By comparing plan options, you can find a plan that fits your dental health needs and budget.

  With Delta Dental, you can get a personalized quote and see the monthly premium that fits your financial situation, making it easy to get the dental care you need at an affordable price.

Protect your smile — enroll today

Your oral health is closely connected to your overall wellness. With Delta Dental of Iowa’s affordable and flexible individual dental insurance plans, you can get the care you need on your terms.

Start your quote today, compare plans, and find a provider to see how easy it is to get the right personal dental insurance coverage for you.