Cleanings, fillings, crowns, root canals, even orthodontia — with no waiting period on any tier and 100% preventive care. Four MyDental plans with annual maximums up to $6,000.
Prices shown are starting monthly rates. Your final quote is provided after a completed application, based on the coverage you select and applicable underwriting factors (such as property, location, age, or pet details). Coverage is subject to eligibility, underwriting, and state availability.
Real coverage, without the gotchas the big carriers bury in the fine print.
Basic and major work is covered from day one on every tier — not after the 6–12 month waits most plans impose.
Exams, cleanings, and X-rays are fully covered at $0 on all four tiers, so checkups never cost you anything.
Where most plans cap out at $1,000–$2,000, MyDental goes up to $6,000 — more room for the work you actually need.
Braces (child and adult) and dental implants are covered on the higher tiers — benefits most individual plans simply don't offer.
Comparing options? See our guide to the best dental insurance plans of 2026.
Real side-by-side breakdowns on price, coverage, and where each one wins.
Cigna individual dental carries a $100 deductible and a 6-month wait on basics; MyDental is $0 deductible, no wait.
Humana's no-wait applies mainly to preventive; MyDental removes the wait on basic and major work too.
Delta has the biggest network, but caps annual maximums lower; MyDental goes to $6,000 with ortho and implants.
Coverage built on the strength of your RMO membership.
No waiting period on any tier means a crown or root canal is covered the week you enroll — not next year.
Up to $6,000 a year versus the $1,000–$2,000 cap on most individual plans — real room for major work.
MyDental III and IV put $1,000–$2,000 toward braces, a benefit most direct dental plans leave out entirely.
MyDental covers preventive care (exams, cleanings, X-rays) at 100%, basic procedures (fillings, extractions), and major procedures (crowns, root canals, dentures). MyDental III and IV add orthodontia, and MyDental IV covers dental implants. Every tier has a $0 deductible and no waiting period.
MyDental I is $12/month, MyDental II is $25/month, MyDental III is $38/month, and MyDental IV is $55/month. All plans require an active RMO membership and have no waiting period.
No. MyDental has no waiting period on any tier — preventive, basic, and major work are all covered from your effective date. Most individual dental plans make you wait 6–12 months for basic and major procedures.
The most the plan pays per year: $1,500 on MyDental I, $2,500 on II, $5,000 on III, and $6,000 on IV. Most competing plans cap at $1,000–$2,000.
Yes. MyDental III includes a $1,000 child orthodontia benefit; MyDental IV includes $2,000 toward adult and child orthodontia plus dental implant coverage.
No. MyDental has a $0 deductible on every tier. Plans like Cigna's individual dental can carry a $100 deductible before benefits begin.
MyDental removes the waiting periods those plans impose on basic and major work, offers higher annual maximums, and adds orthodontia and implant coverage. See the head-to-heads at /personal/security/dental-insurance/compare/cigna/, /humana/, and /delta-dental/.
