Dental plans are dental care plans which you work out with your dentist, but the most common of these is Denplan, There are however, many dental plans on the market though Denplan is usually used generically to describe any of the dental plans contained in cheap health insurance on offer. These schemes are called capitation schemes and are schemes whereby you have an initial appointment with the dentist who will then assess the condition of your teeth, he will then estimate how much treatment will be required over the year and present you with a total cost which can be divided over 12 months.