Dental Insurance and Discount Plans, Individual and Family Dental Plans Reviews. I live in Texas and I am looking for dental insurances for my brother who is 25 and a full time student and my own family of four. I would like to find us something affordable since I am helping my brother out by paying for the dental plan. I am not sure want is best to get dental insurance or a dental discount plan. We are open to either as long as we can keep both plans under $50 a month. What can you suggest?