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Affordable Dental Insurance - How Much Does It Cost?

Dental insurance works a little differently than most health insurance. To ensure that dental insurance costs are worth it, we recommend finding an affordable plan that works with your oral health goals.

The average cost of a dental bridge on one tooth is $2,500. Having some type of low-cost dental insurance plan can dramatically reduce that cost. Typically, dental insurance premiums can range from $25-$50 per month. Your dental insurance will usually have an annual maximum and once that threshold is met, you may need to pay out-of-pocket expenses.

The dental insurance price depends on a variety of factors, like what you want your annual maximum to be, your group’s situs state, and your coverage aims. We recommend you chat with an Aflac agent to determine what your average dental insurance cost per month might look like.

How Much Does Dental Insurance Cost?

Even the most affordable dental insurance plans usually consist of 4 main factors:


The deductible is an amount of money that must be paid before any dental insurance benefits kick in. Not all plans require a deductible, but most PPO’s do.


A copay is the amount of money the insurance company requires you to pay for part of a specific service. Once that portion of the service is paid for, the insurance benefits can kick in.


Coinsurance is the part of dental insurance that breaks down what percent is paid for by you and what part is paid for by insurance. This is typically broken down into percentages.

Annual Maximum:

The annual maximum is an agreed upon amount that your dental insurance provider is willing to pay for services each year. There are some dental insurance plans with no annual maximum.

Depending on how each of these factors are broken down, you can keep your dental insurance cost-per-month relatively low.

Affordable Dental Insurance Plans to Choose From

Aflac has two low-cost dental insurance options to choose from, PPO (Preferred Provider Organization) and MAC (Maximum Allowable Charge).

PPO dental insurance plans are known for providing more flexibility when choosing a dentist. More coverage may be provided for in network doctors, but lower rates still may exist for out of network physicians as well. There is usually a deductible portion in PPO plans.

MAC dental insurance plans establish what portion of each treatment will be covered up front. This can be broken down into percentages or pre-determined numbers. For example, a MAC plan may agree to pay for 75% of services, regardless of the cost or they may agree to pay a maximum amount for that service.

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Is Low-Cost Dental Insurance Worth It?

Dental insurance is worth it if you are looking for additional support for minor and major dental procedures. With an Aflac insurance plan, the costs of cleanings, crowns, bridges, and implants can be significantly minimized.

For many of our services, there is little to no waiting period. We’ll work with you to select a plan that brings the average dental insurance cost down. We also offer options that decrease your deductible over time, shrinking year by year, eventually to no deductible.

The average cost of a dental implant ranges from $3,000 to $4,500. While some insurance companies struggle to cover dental implants, Aflac works with you to keep the cost of dental implants down. You don’t have to break the bank to provide dental insurance coverage for you and your family. Aflac’s plans are affordable and personalized to your unique needs.

Get a Quote for Full Coverage Dental Insurance

Aflac’s full coverage dental insurance can help keep you and your family covered for whatever dental issues arise. Regular dental cleanings, crowns, and fillings can be much more manageable with an affordable dental plan.

The term “full coverage dental insurance” refers to the plan’s ability to cover a variety of different dental treatments and procedures. It is not meant to imply total coverage.

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