Universal Dental Plan is the perfect match for me as a grad student who doesn't have dental insurance but do care about my teeth. As a member, I only pay $10 a month and picked a dentist on its network who has agreed to the predetermined and discounted rates on everything! When I went for the first time to Dr. Natalya Veksler at One International Place, the receptionist even commented on my savings - I paid $90 for an exam that before my discount was $251!!. My bill literally lists "Comp Oral eval-new/estab pat (exam)- $86; Bitewings - four films (x-rays)- $70; prophylaxis-adult (cleaning)- $95...TOTAL: $251- SUBTRACT UDP DISCOUNTof $160...balance = $90!! It's definitely a great way to save money instead of having to pay out of pocket for visits!!