- Policy year 1: $75/person.
- Policy year 2: $50/person.
- Policy year 3+: $25/person.
Dental Insurance Highlights
Highlights:
- Deductible that decreases over time.
-
wan
- Policy year 1: $75/person.
- Policy year 2: $50/person.
- Policy year 3+: $25/person.
Dental Insurance Coverage
Preventative and Diagnostic Services
- Routine exams and cleanings (two per year).
- Bitewing X-rays (one per 12 months).
- Full-mouth X-rays (one every 36 months).
- Sealants (for children under age 16; one per tooth per 36 months).
Basic Services
- Fillings (amalgam and composite).
- Emergency palliative care.
- Simple extractions.
- Basic oral surgery.
- Non-surgical periodontal services.
Major Services
- Inlays, onlays, crowns, bridges and dentures.
- Endodontics.
- Oral surgery.
- Anesthesia.
- Major restorative services.
- Surgical periodontics.
- Prosthodontic installation and repairs.
- Occlusal guards.
How Dental Insurance Works
Dental insurance is a type of supplemental insurance policy for your teeth, gums and mouth. It helps lower the cost you spend on preventative care and certain treatments. While every policy is different, many dental insurance plans cover routine checkups and cleanings, x-rays, cavity fillings, tooth extractions, crowns, bridges, implants, root canals, dental appliances and emergency treatments.
In general, preventive care like cleanings are fully covered and other, more complex treatments such as root canals and implants come with higher out-of-pocket costs. Depending on the treatment and your plan, you might have to pay a deductible before you receive coverage.
What is typically covered in a dental plan?
In general, preventive care like cleanings and x-rays are fully covered with no waiting period and other, more complex treatments such as root canals and implants are covered at a percentage after the waiting period has expired.
How do I access dental benefits?
Depending on the individual dental insurance plan you choose and the treatments you need, you might have to pay a deductible before receiving coverage. Our plans offer building benefits that increase the annual maximums and the coverage level over time for certain benefits. Our building benefit also decreases the annual deductible over time as well.
Get a Dental Insurance Quote
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Is Dental Insurance Worth It?
There are some instances where dental insurance may be particularly worth it, but it depends on your unique circumstances. Let’s take a look at a hypothetical situation. If you could see something similar happening to you, it may be worth it to invest in dental insurance.
Leslie wants her family to have strong oral health, so she schedules appointments for herself, her spouse and her son. She doesn’t currently have dental insurance, so she’ll pay out-of-pocket for their routine checkups. After their appointments, she quickly realizes that preventive care alone can cost hundreds of dollars per person. Other services can further escalate this cost.
If Leslie and her family had dental insurance, routine care could easily be covered. She also could have received some level of coverage for other necessary treatments and procedures. Getting a dental insurance quote can help you understand costs and long-term savings better.
Dental Insurance FAQs
Do I Need Dental Insurance?
While dental insurance isn’t required, it’s often a good idea. This is particularly true if you don’t have the cash to pay for various dental treatments up front. Without a policy, you may forgo oral health care and face serious and costly dental issues in the future. Having supplemental insurance for dental needs can incentivize you to be proactive in keeping your teeth, gums and mouth healthy.
How Much Does Dental Insurance Cost?
Dental insurance costs can vary depending on the type of plan and the level of coverage you choose, but these plans typically come with affordable premiums. That being said, choosing to buy dental insurance can help you reduce long-term associated costs. In addition to premiums, you may have to pay for copays, deductibles and any treatment that goes over annual coverage maximums.
How Can I Choose the Right Dental Insurance Plan?
Not all plans are created equally. Our dental plan offers several levels of coverage to fit most oral care needs and budgets. To select the right one, shop around to see what options you have to buy dental insurance online. We recommend assessing your unique dental needs and coverage preferences. You should also consider your budget and how much you can afford to help cover dental care out-of-pocket costs.
Does Dental Insurance Cover Implants?
Insurance companies often view implants as cosmetic treatments. Since they’re not always medically necessary, many insurers don’t offer coverage for dental implants. However, you may be able to find a plan that pays for a portion of various cosmetic dental procedures.
Does Dental Insurance Cover Braces?
Many dental insurance plans do cover braces, especially for patients under the age of 18. These types of plans usually have a lifetime maximum benefit, which refers to the maximum dollar amount they’ll pay during the lifetime of an insured individual. Other plans offer discounts on braces for adults and children. If you or a loved one is in need of braces, it’s important to do your research to determine which options are available to you.
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Except in New York, individual insurance and group dental and vision insurance is offered by American Family Life Assurance Company of Columbus. In NY both group and individual coverage is offered by American Family Life Assurance Company of New York. Group policies are offered by Continental American Insurance Company (CAIC). CAIC is not licensed to solicit business in New York, Guam, Puerto Rico or the Virgin Islands. In CA, CAIC does business as Continental American Life Insurance Company (CAIC NAIC 71730)
Dental and Vision plans are administered by Aflac Benefit Solutions, Inc.
Aflac Worldwide Headquarters | Columbus, GA
Aflac Group | Columbia, SC
American Family Life Assurance Company of New York | Albany, NY
Aflac’s Premium Life, Absence and Disability Services are available in all states, except Puerto Rico, Guam or the Virgin Islands, and are offered by Continental American Insurance Company (CAIC). Self-funded plans and absence services are administered by CAIC in all states but NY. In NY, self-funded plans and absence services are administered by and insurance is offered by American Family Life Assurance Company of NY. Administrative services are not insurance and are not considered legal advice. Products may not be available in all states and may vary depending on state law.
Direct to Consumer Business is underwritten by Tier One Insurance Company, doing business as Tier One Life Insurance Company in California (Tier One NAIC 92908)
