Aspen Dental Savings Plan: Is It Worth It in 2026?

The Aspen Dental Savings Plan cuts the price of a dental visit for patients without insurance. Members pay a flat annual fee and get an instant discount at checkout. There is no deductible, no waiting period, and no claims paperwork.

TL;DR

• The Aspen Dental Savings Plan costs $49 a year for the primary member. Adding a family member costs $29 a year.

• Members get free exams and X-rays, plus up to 30% off cleanings, crowns, and dentures.

• The plan works only at participating Aspen Dental offices and excludes specialist care.

• Trustpilot shows an average rating near 1.6 out of 5. Most complaints target billing, not the plan itself.

What Is the Aspen Dental Savings Plan?

The Aspen Dental Savings Plan is a paid membership program. It lowers the price of dental visits at participating Aspen Dental offices. Members pay one annual fee. In exchange, they get a set discount on exams, cleanings, and larger procedures.

This is not dental insurance. It is legally classified as a discount medical plan. Clerri LLC administers it in most states. The CDI Group, Inc. administers it in California. That distinction matters, since a discount plan and an insurance policy work in different ways.

A discount plan lowers the price owed at checkout. An insurance policy pays part of the bill after a deductible, often capped yearly. The Aspen plan skips deductibles, maximums, and waiting periods entirely. That is the main draw for patients who currently lack insurance. Anyone weighing this option against a standard policy can check our dental insurance types explained guide first.

The plan targets self-pay patients, seniors on fixed incomes, and families needing care fast. Enrollment involves no credit check and no health screening. A pre-existing condition will not disqualify anyone. Patients still weighing a standalone policy can browse our roundup of the best dental insurance companies for a broader comparison.

Aspen Dental Savings Plan vs. Aspen Dental Insurance

Patients searching for "Aspen Dental insurance" are often looking for this membership plan. Aspen Dental does not sell its own insurance policy. The office accepts many major carriers and offers this discount plan as a separate, insurance-free option.

The table below lines up the two paths side by side:

A member with both plans does not stack the discounts. Aspen applies whichever option saves more money on that procedure. Anyone comparing standalone coverage can also review what Delta Dental insurance covers, a common carrier at Aspen Dental.

Aspen Dental Price List: What You Actually Pay

Discount percentages only matter once attached to real procedures. The table below shows the member savings tied to each major service, per Aspen's published fee schedule.

Two limits apply across this schedule. The discount only covers services performed by an Aspen Dental general dentist. Specialist procedures, including periodontics, endodontics, orthodontics, and oral surgery, fall outside the plan. A patient referred to an oral surgeon pays that surgeon's standard rate, regardless of membership. Anyone facing periodontal treatment specifically should also check current gum surgery cost figures, since that procedure sits outside the plan's discount.

Exact pricing still varies by office and by state. Confirming current numbers with a local office before booking avoids surprises at checkout. Once a dentist recommends specific procedures, ask for a written dental treatment plan. That document should list the discount, the total cost, and the payment timeline.

How Much Does the Aspen Dental Savings Plan Cost?

The plan uses flat annual pricing, with no hidden monthly charge. A primary member pays $49 a year. Each additional family member can join for $29 a year on the same account.

A family of four pays $49 for the first member and $29 for each of the other three. That totals $136 a year for the whole household. A single set of free exams and X-rays commonly runs $200 to $350 at standard rates. Most members recover the annual fee after one visit.

Most Aspen Dental locations do not treat patients age 16 or younger. Families enrolling a full household should confirm age eligibility first. Membership also does not cover Medicaid patients. It works as a paid alternative, not a supplement.

How to Enroll in the Aspen Dental Savings Plan

Signing up takes only a few minutes. A prior Aspen Dental appointment is not required. Three enrollment paths are available, and all three activate the discount the same day.

Enroll online

1. Go to the plan portal at aspendentalplan.com.

2. Enter a ZIP code to find a participating Aspen Dental office nearby.

3. Select the local office where care will happen.

4. Choose primary membership only, or add family members at $29 each.

5. Enter contact and payment details to complete the sign-up form.

6. Save or screenshot the confirmation email as proof of active membership.

Enroll by phone

1. Call the membership support line at (877) 808-2776.

2. Tell the representative the ZIP code or city for a nearby office.

3. Confirm the primary member and any family members to add.

4. Provide payment details over the phone to activate the plan.

5. Ask the representative to confirm the enrollment by email.

Enroll by mail or in person

1. Request a paper application at an Aspen Dental office visit, or ask a representative to mail one.

2. Fill in patient details, family members to add, and payment information.

3. Mail the completed form back using the return address on the application.

4. Allow processing time before the discount activates, since mailed enrollment is slower than online or phone.

There is no credit check and no health screening at any step. A pre-existing dental issue never blocks enrollment. Finding an Aspen Dental near you comes first, since the discount only applies at participating offices. Our guide on how to choose a dentist covers what to check before booking a first visit at any new office.

How to Log In to Your Aspen Dental Savings Plan Account

Members manage their plan through an online dashboard, not the main Aspen Dental patient portal. The dashboard lives at aspendentalplan.com and covers status checks, renewal dates, and payment details.

1. Go to aspendentalplan.com and select the member login option.

2. Enter the email address used during enrollment.

3. Enter the account password set at signup.

4. Select sign in to reach the account dashboard.

5. Check membership status, the renewal date, and billing details from the dashboard home screen.

Anyone who forgets a password can select the reset link on the login page. Enter the account email, then follow the link sent by email. For phone-based help, the (877) 808-2776 line connects members with a support specialist on weekdays.

How to Cancel the Aspen Dental Savings Plan

The plan renews automatically every 12 months. Canceling requires action before the renewal date, not after. Aspen sends a mailed notice 45 days before renewal and an email reminder 7 days out.

Cancel online

1. Log in to the dashboard at aspendentalplan.com before the renewal date.

2. Go to the account or membership settings section.

3. Locate the auto-renewal toggle or subscription setting.

4. Turn off auto-renewal and confirm the change.

5. Save or screenshot the cancellation confirmation for the member's own records.

Cancel by phone

1. Call (877) 808-2776 during weekday business hours.

2. Provide the name and email on the account to verify identity.

3. Ask the specialist to cancel the auto-renewal on the account.

4. Ask whether the current paid term is partly refundable, since plan materials do not state a refund policy.

5. Request a confirmation email or reference number for the cancellation.

A canceled membership can be reactivated later. Log back in to the same dashboard, or call the same number, and select reactivate. Opting out is not permanent unless the member wants it to be.

Aspen Dental Savings Plan Reviews: What Members Actually Say

The savings plan launched fairly recently compared to Aspen Dental itself. Most public reviews describe the overall office experience, not the discount plan specifically. That distinction still matters, since the plan is only worth using at a trusted location.

On Trustpilot, Aspen Dental holds an average rating close to 1.6 out of 5. That spans more than 1,000 reviews. Roughly 84% land at one star, and about 10% land at five stars. Recurring complaints center on surprise charges after a promotional exam, pressure toward large treatment plans, and denture fit issues. Several reviewers still praise individual dentists and hygienists, even within an otherwise negative visit. The experience appears to vary by location and provider.

The Better Business Bureau has logged roughly 1,000 complaints against Aspen Dental. Close to 300 were filed in a single recent year. About half relate to the quality of dental work. Roughly a third involve billing disputes. Most complaints required BBB intervention before reaching resolution. Aspen or the local franchise typically responds once a complaint is filed.

Independent sites that evaluate the savings plan on its own tend toward a favorable verdict. Their consensus is that the plan mechanics are genuinely inexpensive and pay for themselves fast. The real limitation is the narrow network. It works only at Aspen's roughly 1,000 offices, not a broad multi-provider network. Specialist care is carved out entirely.

Reading patient feedback before committing to any provider is worth the extra time. Our guide on choosing local dentists covers what to look for beyond the star rating alone.

Is the Aspen Dental Savings Plan Worth It?

The plan suits an uninsured patient who already plans to use Aspen Dental and needs care soon. The $49 fee is typically covered by one free exam and X-ray set. It suits someone loyal to an outside dentist less well, since the discount stays at Aspen.

The plan makes the most sense for:

• Patients with no dental insurance who want savings starting the same day

• Families needing multiple cleanings a year, where the flat fee beats paying full price

• Seniors on a fixed budget who want predictable, deductible-free pricing

• Patients who already have an appointment scheduled at an Aspen Dental office

The plan makes less sense for:

• Patients needing specialist care such as orthodontics, oral surgery, or root canal therapy. That category is covered in our guide to root canal cost with and without insurance

• Patients with strong existing insurance that already covers preventive visits cheaply

• Anyone unwilling to be treated at an Aspen Dental office specifically

Patients weighing a filling, crown, or denture against the plan's discount should run the numbers first. Our filling cost breakdown and denture comparison guide offer baseline pricing for comparison. Patients unsure how a proposed plan compares can also revisit our primer on reading a dental treatment plan line by line.

Bottom Line

The Aspen Dental Savings Plan cuts real money off dental visits for patients without insurance. That holds as long as the patient is comfortable at an Aspen Dental office specifically. The $49 fee tends to pay for itself after one visit, through the free exam and X-ray alone. Enrollment takes minutes, with no credit check involved.

The tradeoff is a narrow provider network and a hard exclusion on specialist care. Patients needing anything beyond general dentistry should price out alternatives first. Reading office-level reviews for a specific location gives a clearer picture than the national average alone.