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The high costs of dental treatment makes it necessary to consider a dental insurance plan. The premiums are usually affordable, depending on the level of benefits you require. So you need to check the benefits offered versus the premiums you have to pay.

Sometimes you can have dental insurance as part of your group health insurance through your employer, or within your individual health insurance. Even in such situations, it is still wise to determine whether you need supplemental dental insurance to provide for more complete set of benefits that you require. The additional cost may be low enough to warrant it.

There are many types of dental insurance plans, such as:
- HMO dental plans, under which you must choose one dentist or dental group
- PPO dental plans, that allow you to choose from a list of dentists or dental groups in your area
- discount dental plans that are not really an insurance plan, but they allow you to have dental treatment at cheaper rates than the standard rates that you would normally pay.

When you get quotes, it is important to check what benefits are included, and the exclusions that are listed.