No dental insurance
Visit KYT as early as tomorrow.
No dental insurance? You have three ways to get started. Choose the one that fits your situation.
Best for long-term
Get a PPO Plan
Enroll in an individual PPO plan tonight and book your first visit tomorrow. Plans are typically month-to-month.
KYT Membership
Ongoing Care Without Insurance
From $499/year
Cleanings, exams, and X-rays included. 10–15% off all treatment. No claims, no networks, no waiting periods.
One-time visit
$199 Emergency Visit
Something hurts or you want to be seen once. Exam, X-rays, and consultation for a flat $199. No insurance required.
PPO plans
Enroll in a PPO plan, then book.
Every new patient visit includes a comprehensive exam, full-mouth imaging, and a long-term planning discussion. These individual PPO plans are typically month-to-month.
Simple & affordable
KYT recommended
KYT pickUnitedHealthcare
Primary Dental
~$30/mo
$1,000 max per year
Best for: Patients under 65 who mainly need cleanings and basic fillings
What’s covered
- Cleanings & checkups — 100% from day one
- Fillings — 50% from day one
Not on this plan
Root canals & crowns · Implants · Braces
When can you use it?
No waiting period — use it as soon as you enroll
Good to know · If a root canal or crown is likely in your near future, ask UnitedHealthcare about their Primary Preferred plan instead — it covers major work.
Go to UnitedHealthcare →Simple & affordable
Aetna
Dental Direct
~$50/mo
$1,250 max per year
Best for: Patients who want solid coverage on cleanings, fillings, and some major work
What’s covered
- Cleanings & checkups — 100% from day one
- Fillings — 80% covered
- Root canals & crowns — 50% covered
Not on this plan
Implants · Braces
When can you use it?
6 months for fillings · 12 months for major work (waived if you had prior dental coverage)
Good to know · A balanced middle-of-the-road plan. If you know you'll need an implant, look at a higher tier.
Go to Aetna →Most popular
KYT recommended
KYT pickAmeritas
PrimeStar Care Complete
~$60/mo
$2,000 year 1 · $3,500 year 2+ max per year
Best for: Patients (especially 65+) who need treatment right away with no waiting
What’s covered
- Cleanings & checkups — 100% from day one
- Fillings — 80% year 1 · 90% year 2
- Root canals & crowns — 20% year 1 · 50% year 2
- Implants — 20% year 1 · 50% year 2
Not on this plan
Braces
When can you use it?
No waiting period — use it the day you enroll
Good to know · Implants have a separate yearly limit ($1,000 year 1, $1,500 year 2). We'll help you map that against your treatment plan.
Go to Ameritas →Most popular
Guardian
Advantage Premier 2.0
~$70/mo
$3,000 max per year
Best for: Families — kids' braces and high day-one coverage included
What’s covered
- Cleanings & checkups — 100% from day one
- Fillings — 85% from day one
- Root canals & crowns — 60% covered
- Implants — 60% covered
- Kids' braces — Included
- Whitening — 50% covered
Not on this plan
Adult braces
When can you use it?
12 months for major work · 6 months for whitening
Good to know · Highest day-one fillings coverage on this list and one of the few plans that includes kids' orthodontics.
Go to Guardian →Highest benefits
KYT recommended
KYT pickMutual of Omaha
Dental Preferred
~$88/mo
$5,000 max per year
Best for: Patients who want a high annual benefit and the option to start major work right away
What’s covered
- Cleanings & checkups — 100% from day one
- Fillings — 80% from day one
- Root canals & crowns — 20% year 1 · 50% year 2+
- Implants — 20% year 1 · 50% year 2+ · $3,000 lifetime benefit
Not on this plan
Braces
When can you use it?
No waiting period — coverage grows in year 2
Good to know · No waiting periods on any service and the same monthly price at any age. Includes a $3,000 lifetime implant benefit — strong if implants are on your radar.
Go to Mutual of Omaha →Highest benefits
Humana
Extend 5000
~$100/mo
$5,000 max per year
Best for: Patients who want dental and vision bundled together
What’s covered
- Cleanings & checkups — 100% from day one
- Fillings — 80% covered
- Root canals & crowns — 50% covered
- Implants — 50% covered (60% year 2)
- Vision — Included
- Whitening — $200/year allowance
Not on this plan
Braces
When can you use it?
3 months for fillings · 6 months for major work and implants
Good to know · Implants have a $4,000 lifetime cap. If you're planning multiple implants, we'll help you map that against your treatment plan.
Go to Humana →Premiums are estimates for a single adult in Southern California and vary by ZIP and age. Verify on the carrier’s quote page before enrolling. All percentages and maximums shown are in-network.
After enrollment
1) Enroll and receive your Member ID
2) Return to booking
3) We can often see you the next business day
Not sure whether PPO is right for you?
Compare PPO, HMO, and Medi-Cal so you can pick the right system before enrolling.