1 Endodontics and nonsurgical and surgical periodontics may be included under basic services for some plans.

AFLAC DENTAL – QN81000 SERIES

In 2021, for all states that have approved the Aflac dental and vision insurance products, coverage will be underwritten by Aflac. In New York, coverage will be underwritten by Aflac New York.

Aflac WWHQ | 1932 Wynnton Road | Columbus, GA 31999.

Applies to Policy Series QN81000. In Arkansas, policy form QN81100MAR. In Idaho, QN81100MID. In Oklahoma, policy form QN81100MOK. In Oregon, policy form QN81100MOR and QN81100MORS. In Texas, policy form QN81100MTX.

In 2020, Aflac dental and vision insurance coverage is underwritten by National Guardian Life Insurance Company (NGL). National Guardian Life Insurance Company is not a member of the Aflac family of insurers. National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America a/k/a The Guardian or Guardian Life. Aflac dental and vision products may not be available in all states. National Guardian Life Insurance Company | Madison, WI.

Applies to Policy Series NDNGRP 04/06 and NDNGRP 2010, et al. In Pennsylvania, NDNGRP 7/08 PA. In Texas, policy form NDNGRP-TX 2010 (R).

Please see coverage documentation applicable to your situs state for further details. State references refer to the state of your group.

Benefits and/or premiums may vary based on the state and benefit option selected. The plan has limitations and exclusions that may affect benefits payable. Refer to the policy and certificate for complete benefit details, definitions, limitations and exclusions. This is a brief description of coverage and is not a contract. Read your certificate carefully for exact terms and conditions as well as a complete list of the schedule of dental procedures payable under the plan.

Notice to Consumer: This is a limited benefit plan and provides dental benefits only. Aflac’s contracts of insurance, including Aflac’s network dental and vision plans, provide limited-scope and/or supplemental benefits only and do not constitute comprehensive health insurance coverage. Aflac’s contracts of insurance do not satisfy the requirement of minimum essential coverage under the Patient Protection and Affordable Care Act (ACA) and are not designed to meet any of the essential health benefit requirements mandated by the ACA or federal law, including pediatric oral or vision care services. Aflac’s contracts of insurance are not an alternative to, or a substitute for, comprehensive health insurance coverage and should only be used to supplement comprehensive health insurance coverage.

Limitations and Exclusions for Arizona:

We will not pay benefits if you fail to cooperate with our investigation into the validity of your claim. No benefits are payable under the policy for the services listed below. In addition, the services listed below will not be recognized toward the satisfaction of any deductible:

Orthodontic Services Limitations

Limitations and Exclusions for Idaho

We will not pay benefits if You fail to cooperate with Our investigation into the validity of Your claim. No benefits are payable under the Policy for the Services listed below. In addition, the Services listed below will not be recognized toward the satisfaction of any Deductible:

Orthodontic Services Limitations