I am post-FIRE and tried the HMO dental plans once I retired and found that none of the established dentists were on the plan. The ones that were, like Aspen Dental, insisted on charging me for over-priced fluoride rinses and toothpaste, etc, so my "free cleanings" would cost ~$35, along with the monthly dental plan costs. Also, their cleanings would last only 15 minutes. I tried different offices, etc and truly felt that I was getting sub-par quality dentists and cleanings. Just recently, I went to my dentist (prior to retirement) and said I'd pay cash, as I had no insurance and they explained that they have a plan where I get 2 cleanings, X-rays, an annual exam by the dentist and 20% off anything additional and the plan was ~$350 for the year. So, I'd suggest asking your local dentists if they have their own plan for those without insurance.