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Dental visits can play an important role in maintaining your oral health, but costs can add up quickly when you don't have insurance coverage. So, how much is a dental visit without insurance, and how much can you expect to pay with coverage? Aflac offers network dental insurance for individuals and families with a wide range of coverage options. Read on to learn how much dental visits cost and how insurance can help reduce your out-of-pocket expenses.
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Experts recommend visiting your dentist at least twice a year.2 However, nearly one-third of adults under 35 haven’t seen a dentist in over 12 months. Lack of insurance coverage and cost concerns are two leading causes for this gap in routine dental care.3
Dental visits can be expensive without insurance. A routine dental consultation without insurance may cost between $50 and $350, depending on your treatment plan.4 The cost of a pediatric dental visit without insurance is often similar to an adult visit, though it can vary based on your child’s needs and treatments.
Here are the average out-of-pocket costs for some other common dental services:1
Yes, dental insurance can help cover medically necessary dental visits, from routine cleanings to more complex procedures. For example, Aflac’s network dental insurance can help you pay for:
Additionally, our supplemental dental insurance can provide cash benefits for expenses that aren’t covered by your primary plan, helping to make your dental care even more affordable.
Don’t wait until it’s too late. Protect yourself and your family with coverage from Aflac.
Get StartedDental insurance can significantly lower your out-of-pocket costs compared to what you would pay for a dental visit without insurance. Many plans usually follow a 100/80/50 coverage structure, in which:
For example, let’s say you need a $100 filling. If your plan covers 80% of this basic service, you’ll only be responsible for paying the remaining $20. Better yet, if your plan covers 100% of preventive care, you can often get your biannual checkups free of cost.
Just keep in mind that coverage levels are only one factor that affects your out-of-pocket expenses. Other factors include your plan’s deductible, copays, coinsurance, waiting periods and annual maximum.
Now that you understand how dental insurance can make dental care more affordable, you may wonder if dental visits are truly worth it. Visiting the dentist regularly can be important for the following reasons:
Regular dental visits can help you maintain a healthy smile and reduce the likelihood of needing major dental work in the future. However, the cost of a dental visit without insurance can be difficult to manage on your own.
Fortunately, Aflac’s dental insurance offers comprehensive coverage with budget friendly premiums. Our network plans can help reduce your out-of-pocket costs for routine visits and unexpected procedures, while our supplemental dental insurance can help you cover additional expenses.
Speak with an Aflac agent today to explore your options and get a quote.
Get Started
Self-employed individuals can get dental coverage through health insurance or by getting an individual plan. Learn how self-employed dental insurance works.
What does an annual maximum mean for dental insurance? Learn what a dental insurance annual maximum is and how to check yours.
Self-employed individuals can get dental coverage through health insurance or by getting an individual plan. Learn how self-employed dental insurance works.
What does an annual maximum mean for dental insurance? Learn what a dental insurance annual maximum is and how to check yours.
1 GoodRX - How to Find Affordable Dental Care & Manage Dental Costs Without Insurance. Updated on April 8, 2025. https://www.goodrx.com/conditions/dental-care/manage-dental-costs-without-insurance. Accessed May 11, 2026.
2 Time Magazine - How Often Should You Really Go to the Dentist? Updated on June 10, 2025. https://time.com/7289262/how-often-should-you-go-to-dentist/. Accessed May 11, 2026.
3 Yu Y-H - Access to oral health care and its social determinants across the lifespan in the United States. Front. Oral Health 6:1619983. Published September 11, 2025. https://www.frontiersin.org/journals/oral-health/articles/10.3389/froh.2025.1619983/full. Accessed June 30, 2026.
4 Care Credit - Dental Exam and Procedure Costs. Updated June 12, 2025. https://www.carecredit.com/dentistry/costs/. Accessed May 11, 2026.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent/producer.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Dental: In Delaware, Policies A82100R–A82400R. In Idaho, Policies A82100RID–A82400RID. In Oklahoma, Policies A82100ROK–A82400ROK. In Virginia, Policies A82100RVA–A82400RVA.
Dental, Vision, and Hearing coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Dental, Vision and Hearing: In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. Not available in Virgina. Dental claims are administered by SKYGEN USA, LLC. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing. 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. The coverage provides limited benefits.
Coverage/plan levels may not be available in all states, including but not limited to NJ, NM, NY or VT. 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 policy and rider forms for benefit details, definitions, limitations and exclusions.
Aflac WWHQ | Tier One | 1932 Wynnton Road | Columbus, GA 31999
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