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Dental insurance can help you afford the care you need, from routine cleanings to more complex procedures. With a clear understanding of your coverage options, you can choose the right dental plan with confidence. Aflac’s network dental insurance for individuals and families offers a range of coverage options. Read on to learn how to get dental insurance that fits your needs and budget.
Table of Contents
Before learning how to get dental insurance, it helps to understand how it works. Dental insurance allows you to share the cost of your dental care with your insurance provider.
To maintain coverage, you'll pay a monthly premium. Some other factors that can impact your total out-of-pocket costs include:
At Aflac, our dental insurance comes with affordable premiums and minimal to no waiting periods. We also allow you to see any licensed dentist of your choosing, though in-network providers may be more affordable.
Dental insurance coverage varies, but most plans cover the following types of care:
Aflac’s network dental insurance can help cover these types of treatments. Additionally, our supplemental dental insurance can help pay for eligible expenses your primary plan doesn’t cover.
You can also add hearing and vision coverage with one of our Dental Vision and Hearing (DVH) insurance plans.
Don’t wait until it’s too late. Protect yourself and your family with coverage from Aflac.
Get StartedIf you want to enjoy the peace of mind that comes from having a dental plan in place, you may be wondering, "How do I buy dental insurance?" You can purchase the right plan by following these steps:
Before comparing dental insurance plans, consider the type of dental services you think you’ll need. If you only plan to schedule preventive visits for routine cleanings and exams, a lower-cost plan may be sufficient. If you think you may need a major procedure in the near future, you might prefer a plan with more comprehensive coverage.
Next, consider whether you want your plan to cover dependents, such as your children or spouse. If so, you’ll want to look for a dental plan with family coverage, like Aflac’s network dental insurance.
Next, review your budget to determine how much you’re comfortable paying for your monthly premium and out-of-pocket dental costs. Don’t forget to factor in each plan’s deductibles, copayments and coinsurance.
With your needs and budget in mind, you can start comparing dental insurance plans. Some plans offer more flexibility than others, depending on whether they are a dental preferred provider organization (DPPO) or a dental health maintenance organization (DHMO) plan:
If you already have a preferred dentist, check whether they’re included in the plan’s network. Even with a DPPO plan, choosing an in-network provider can help lower your overall costs.
Next, closely compare each plan’s coverage details, including their:
Understanding these details can help you find a plan that balances cost and coverage.
The best dental insurance plan is the one that offers the coverage you need at a price you can afford. Keep in mind that the best plan may not always be the one with the lowest monthly premiums. Sometimes, higher-cost plans can save you money in the long run by offering more comprehensive coverage.
Once you’ve decided on a plan, the process of getting dental insurance is simple. You can enroll in an Aflac dental insurance plan by:
Now that you know how to get dental insurance, you can choose a plan that suits your needs with confidence. Aflac offers dental insurance plans for individuals and families with affordable premiums and comprehensive coverage.
Our network plans can help you manage the cost of preventive care, basic services and major procedures. You can also receive cash benefits to help cover additional expenses with our supplemental dental insurance. If you’re looking for more complete coverage, explore our DVH plans.
Chat with an Aflac agent today to learn more about your options and get a quote!
Get Started
Having some type of cost-efficient dental plan, like the ones offered at Aflac, can help you avoid the high fees that may come from buying dental care without insurance.
Dental insurance can help lower your dental care costs. Learn how dental insurance works and the benefits and coverage this type of plan offers.
Having some type of cost-efficient dental plan, like the ones offered at Aflac, can help you avoid the high fees that may come from buying dental care without insurance.
Dental insurance can help lower your dental care costs. Learn how dental insurance works and the benefits and coverage this type of plan offers.
1 Beyond Dental Care - Is Preventive Dental Covered by Insurance? Find Out Fast. Published May 15, 2025. https://beyonddentalcare.com/preventive-dental-covered-by-insurance/. Accessed December 16, 2025.
2 West Bell Dental Care - A Guide to Understanding Dental Insurance. Published July 30, 2025. https://westbelldentalcare.com/understanding-dental-insurance/. Accessed December 16, 2025.
3 Investopedia - Understanding Health Maintenance Organizations (HMOs): Benefits and Drawbacks. Updated October 1, 2025. https://www.investopedia.com/terms/h/hmo.asp. Accessed December 16, 2025.
4 HealthInsurance.org - If I buy a dental insurance plan, what sort of out-of-pocket costs should I expect? Updated July 30, 2025. https://www.healthinsurance.org/faqs/if-i-buy-a-dental-insurance-plan-what-sort-of-out-of-pocket-costs-should-i-expect/. Accessed December 16, 2025.
5 Vibrant Smiles - In-Network vs Out-of-Network Dentists in Mableton GA. Updated October 20, 2025. https://vibrantsmilesga.com/in-network-vs-out-of-network-dentists-in-mableton-ga/. Accessed December 16, 2025.
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.
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, A82100RVA–A82400RVA. Not available in MA, NM, NV, PR or RI.
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 NJ, NY, or VA. 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 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 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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