Individual Dental Plan and Family Dental Discount and Dental Insurance Plans. Hello I live in Florida with my mom. I taking care of her and my brother who 19 and is a full time student. I am 26 and do not receive dental benefits though my job. My mom could use some dental care but she does not have dental insurance either. I thinking if I have to get dental I would get something for all of us. I am not sure however if I have to get three individual dental plans or if I can get a family plan since we all live in the same household. Please advise.