Dental Insurance
Looking for dental insurance? Good idea!
After all, oral health is important to overall health and wellness. So, whether you want coverage for yourself, your family, or your business, we’ll help you find a plan that fits your budget and helps keep everyone healthy.
Good oral care is a key step in maintaining your overall health. But dental care can be expensive. Even cleaning and X-rays could strain your budget – and if a checkup reveals more serious issues, the costs could quickly become overwhelming.
DENTAL INSURANCE HIGHLIGHTS
- Deductible that decreases over time.
- Calendar year 1: $75/person.
- Calendar year 2: $50/person.
- Calendar year 3+: $25/person.
- No waiting period for preventive dental care.
- Annual maximum benefit increases over time.
- Plans available with vision and hearing services.
- Reduced costs for using in-network providers.
How Dental Insurance Works
Dental insurance is a type of 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 plans cover routine checkups and cleanings, x-rays, cavity fillings, tooth extractions, crowns, bridges, implants, root canals, dental appliances and emergency treatments.
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.
Peace of mind doesn't have to break the bank
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
What Does Dental Insurance Cover?
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).
- Fillings (amalgam and composite).
- Emergency palliative care.
- Simple extractions.
- Basic oral surgery.
- Non-surgical periodontal services
Inlays, onlays, crowns, bridges and dentures.- Endodontics.
- Oral surgery.
- Anesthesia
- Major restorative services.
- Surgical periodontics.
- Prosthodontic installation and repairs.
- Occlusal guards.
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.
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.
Dental Insurance FAQs
Most frequent questions and answers
Interested in Learning More?
Dental Insurance with No Waiting Period
Dental insurance with no waiting period means you can get the coverage you need right away. Learn more about Aflac's dental insurance plans with limited or no waiting periods.
Affordable Dental Insurance - How Much Does It Cost?
Affordable dental insurance is possible. Aflac walks through the average dental insurance costs and discusses your low-cost dental insurance options.
Types of affordable dental insurance plans
Aflac has two low-cost dental insurance options: primary full-coverage dental insurance and supplemental dental insurance.
It’s important to note that the term “full coverage dental insurance” refers to the plan’s ability to help cover a variety of different dental treatments and procedures. It is not meant to imply total coverage.
Our primary dental plan helps cover routine care at an affordable price that improves over time. That’s right – your out-of-pocket costs decrease every year you have the plan. You can choose any dentist from our extensive list of participating providers.
Also, waiting periods are mostly minimal, depending on the treatment you need. You can also add vision and hearing coverage to your dental plan to make sure you aren’t neglecting certain aspects of your health.
We also offer supplemental dental insurance that works with your existing dental insurance to help offset gaps in coverage. This plan pays you cash benefits to help cover any dental expenses not covered by your primary plan.
We Will Help You Every Step Of The Way
Get In touch
6440 Southpoint Pkwy. Suite 130. Jacksonville, FL. 32216
Phone: (518) 399-4188
You deserve the best attention from our consultants
with 20 years in the insurance area
Our agency has contractual relationships with and represents some of the best and most financially secure insurance companies in the United States including:
