For many, it can seem like a long-winded journey to figure out how to get dental insurance. At Aflac, we make it easy to get the support you deserve. Dental insurance may be worth the cost because it helps provide coverage for preventative, standard and more advanced procedures. Getting a dental insurance plan can help you save money on your unique dental hygiene maintenance.
Dental insurance is usually made of different components like waiting periods, premiums, annual maximums and overall coverage. These four elements can shift depending on what you want in a dental insurance plan.
Compared to medical insurance, dental insurance covers treatments and procedures associated with teeth and gums.1 Some treatments may have no waiting period, while others require a certain amount of time to pass.
At Aflac, you can get dental insurance that covers a wide range of treatments and procedures at an affordable rate. There are no waiting periods for preventative care and fair waiting periods for more advanced treatments and procedures. Our dental coverage allows you to work with any participating dentist, and your out-of-pocket costs will decrease every year you own the plan.
You have options.
If you choose to get dental insurance, you should double-check the benefits offered for the procedures you have in mind. The amount of coverage for each treatment depends on the dental insurance plan you choose. We recommend chatting with an Aflac agent to better understand what all is covered in our dental insurance.
Dental insurance costs vary depending on factors like lifestyle, coverage goals, the state you live in and age. Aflac provides affordable dental insurance so you can meet your oral health and financial goals. Chatting with an agent can help you better forecast specific costs.
Dental procedures can be expensive without any additional help. Beyond the costs, receiving consistent preventative care can alleviate the need for more treatments later. At Aflac, you can pay budget-friendly rates to save money on long-term care while proactively taking care of your oral health.
Exploring dental insurance terminology can help you understand which dental insurance plan is best for your needs. Premiums, coverage, waiting periods, and annual maximums are the main terms you may see frequently used.
Premiums are regularly scheduled payments that keep your plan active. These can vary based on age, coverage amounts and medical history. We recommend getting a quote from an Aflac agent to see what your dental insurance premiums could look like.
Aflac offers dental coverage for individuals, families and businesses. We also offer supplemental dental insurance to help cover anything missing by your primary dental plan. Most plans offer coverage in one or all of the following areas: preventative, basic and major coverage.2
Some of these areas may be fully covered, while others are subject to partial coverage, depending on the plan you choose. Every dental insurance plan is different, so we recommend looking at the fine print.
In some cases, there may be an annual maximum that insurance companies are willing to pay for treatments and procedures. Once this number is reached, the insured is responsible for paying additional fees.3 Looking at the annual maximum in a plan can help determine if there is enough coverage for your specific needs.
Depending on the dental treatment, there may be a critical period before benefits can be accessed. Some treatments may have no waiting period, while others may need a certain number of months to pass.4 With Aflac’s dental insurance, there is no waiting period for routine care, but there are short waiting periods for more invasive procedures.
Aflac offers primary dental insurance and supplemental dental insurance to help bring the costs of dental care down. If you are looking for better healthcare, ask our agents about the option of adding vision and hearing coverage to your dental plan.
Explore your dental insurance options.
1-4 Investopedia - How Does Dental Insurance Work. Updated Mar 9, 2022. Accessed Sep 6, 2022. https://www.investopedia.com/articles/personal-finance/111715/how-does-dental-insurance-work.asp.
NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA.
This is a limited benefit plan and provides dental benefits only.
Aflac's insurance plans are not an alternative for comprehensive health insurance. The policy provides limited dental, vision and hearing benefits only. Benefits are supplemental and are not intended to cover all medical expenses.
Coverage may not be available in all states including but not limited to NM, NY or VA. Benefits/premium rates may vary based on coverage selected. Optional riders may be available at an additional cost. Policies have limitations and exclusions that may affect benefits payable. Refer to the specific policy form(s) for complete details, definitions, limitations and exclusions.
Dental, Vision, Hearing (DVH): Policy Series T80000 - In Arkansas, Policy T80000AR. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. In Oregon, Policy T80000OR. In Texas, Policy T80000TX.
Aflac Dental, Vision and Hearing insurance coverage is underwritten by Tier One Insurance Company. Aflac’s family of insurers include American Family Life Assurance Company of Columbus, American Family Life Assurance Company of New York, Continental American Insurance Company, and Tier One Insurance Company.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999