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Dental coverage helps provide the peace of mind that comes from knowing you’ll have help with both routine and unexpected expenses.

Dental Insurance

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.

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  • Deductible that decreases over time.
    • Policy year 1: $75/person.
    • Policy year 2: $50/person.
    • Policy 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.

Dental Insurance Highlights


  • Deductible that decreases over time.
    • Policy year 1: $75/person.
    • Policy year 2: $50/person.
    • Policy 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.

What Does Dental Insurance Cover?

tooth icon

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).
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Basic Services

  • Fillings (amalgam and composite).
  • Emergency palliative care.
  • Simple extractions.
  • Basic oral surgery.
  • Non-surgical periodontal services.
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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 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.

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Man on a computer

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.

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.

family hugging and smiling

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.