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For many, it can seem like a long-winded journey to find out how to get dental insurance. At Aflac, we make it easy to get the dental support you deserve. Dental insurance may be worth the cost for you because it can help provide coverage for preventative care, standard treatments, and more advanced procedures. Getting a dental insurance plan may help you save money on your unique dental hygiene maintenance. Read on to learn how dental insurance works and how you can choose the right insurance plan for you.
Dental insurance is usually comprised of a few different components such as waiting periods, premiums, annual maximums, and overall coverage. These four elements can vary depending on what you are looking for in a dental insurance plan.
Compared to medical insurance, dental insurance covers many treatments and procedures associated with teeth and gums.1 Some treatments have no waiting period, while others may require a certain amount of time to pass.
At Aflac, you can get full coverage dental insurance for a broader approach to dental care. This type of plan can typically help cover a wide variety of oral treatments and procedures but may not cover all dental procedures. This type of plan helps cover things that may not covered by your primary dental plan.
If you choose to get dental insurance, you should make sure there are benefits offered for the procedures you have in mind. Aflac’s dental insurance pays benefits for a wide variety of treatments.
The amount of coverage in each category depends on the dental insurance plan you choose. Some of these procedures may have waiting periods and others do not. We recommend chatting with an Aflac agent to discuss the possibilities of your plan.
Dental insurance costs vary depending on a variety of factors like lifestyle, coverage goals, the state you live in, and age. If you are looking for dental insurance, we recommend chatting with an Aflac agent about specific costs so you can meet your oral health goals.
Dental procedures can be expensive without any additional help. Getting dental insurance can help you stay on top of your oral health with preventative care, which may make a big difference long-term. Aflac offers dental and supplemental dental insurance to help provide coverage for oral care that may be pricey without insurance. With Aflac, you can save money on dental procedures and take necessary precautions for your oral health.
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
There are a few categories to consider when mapping out the best dental insurance plan for your unique needs. Premium payments, coverage goals, waiting periods, and annual maximums are the main components that determine what dental plan is worth it for you.
Premiums are regularly scheduled payments that keep your plan active. These can vary based on factors like age, coverage amounts, and medical history. We recommend getting a quote from an Aflac agent to see what your dental insurance payments may look like.
Aflac offers dental coverage for individuals, families, and groups. We also offer supplemental dental insurance to help cover holes that may be missing in your primary dental plan. Most plans offer coverage in one or all the following areas: preventative, basic, and major coverage.1
Depending on the insurance company you choose and your coverage goals, some of these areas may be fully covered while others are subject to partial coverage. Every dental insurance plan is different, so we recommend looking at the fine print and deciding what coverage suits your needs.
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 any additional fees.1 Looking at the annual maximum in a plan can help determine if there is enough coverage for your specific needs.
Waiting periods are another important factor to consider when getting a dental insurance plan. Depending on the dental treatment, there may be a required time period before benefits can be accessed. Some treatments may have no waiting period, while others may need a certain number of months to pass.1
Your insurance plan’s waiting period can depend on your plan type and location. Chatting with an Aflac agent can help illuminate what waiting periods you may face.
Aflac offers dental insurance plans to help meet your oral health goals. We have PPO (preferred provider organization), and MAC (maximum allowable charge) plans available depending on your preference. You may be able to carry over benefits from year to year and your deductibles have the ability to decrease over time. Chat with an Aflac agent to see which dental insurance plan makes the most sense for you.
1 Investopedia. How Does Dental Insurance Work? Updated August 28, 2020. Accessed June 7, 2021. https://www.investopedia.com/articles/personal-finance/111715/how-does-dental-insurance-work.asp.
Content within this article is for informational purposes and does not constitute legal, tax or accounting advice regarding any specific situation. This is a brief product overview only. Coverage may not be available in all states. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies/riders have limitations and exclusions that may affect benefits payable. For complete details, including availability and costs, please contact your local Aflac agent/producer.
Aflac dental insurance coverage from the 2020 pilot launch 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 products may not be available in all states. National Guardian Life Insurance Company | Madison, WI.
For all states that have approved the Aflac dental insurance products, coverage will be underwritten by Aflac. In New York, coverage will be underwritten by Aflac New York.
For Aflac Network Dental, applies to Policy Series QN81000. In Idaho, QN81100MID. In Oklahoma, policy form QN81100MOK.
For NGL Network Dental, applies to Policy Series NDNGRP 04/06 and NDNGRP 2010, et al.
Please see coverage documentation applicable to your situs state for further details.
Notice to Consumer: This is a limited benefit plan and provides dental and vision 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.
Individual coverage is underwritten by Aflac. Group coverage is underwritten by Continental American Insurance Company (CAIC), a wholly-owned subsidiary of Aflac Incorporated. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company. For individual coverage in New York or coverage for groups sitused in New York, coverage is underwritten by Aflac of New York. Coverage may not be available in all states. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policies and riders for benefit details, definitions, limitations and exclusions. For availability and costs, please contact your local Aflac agent/producer. Individual Dental Policies - In Arkansas, Policies A82100RAR–A82400RAR. In Idaho, Policies A82100RID–A82400RID. In New York, Policies NY82100–NY82400. In Oklahoma, Policies A82100ROK–A82400ROK. In Oregon, Policies A82100ROR–A82400ROR. In Pennsylvania, Policies A82100RPA–A82400RPAR. In Texas, Policies A82100RTX–A82400RTX. In Virginia, Policies A82100RVA–A82400RVA. Group Dental Plans - Series CAI1100. In Idaho, policy CAI1101ID. In Oklahoma, policy CAI1100OK.
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