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What Does Dental Insurance Cover?

Dental insurance can help you cover a variety of dental procedure costs. It may help protect you from the high costs of keeping your teeth, gums, and mouth healthy. Let’s take a closer look at how dental insurance plans work and what they cover so you can decide if they make sense in your situation.

How does dental insurance work?

A dental insurance policy is separate from your main health insurance. You may receive it through your employer or purchase a separate individual or family plan from a dental insurance company. If you enroll in dental insurance, you’ll pay premiums in exchange for coverage.

While every policy is different, most of them come with deductibles, copayments, and coinsurance, which you’ll be responsible for when you receive dental care.1 Depending on the specifics of your dental insurance, you might have to stay within the company’s network. In addition, your plan may have an annual maximum, which is the maximum dollar amount it will pay toward dental care costs.

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Why dental insurance is important

Since dental care can be expensive, dental insurance can help make the costs more affordable. With dental insurance, you may be able to save money on a variety of treatments and procedures. A policy may also motivate you to be proactive and prioritize your oral health so you can avoid serious complications down the road.

Dental insurance coverage

If you opt for an Aflac dental insurance plan, you can expect it to help cover the following:

  • Preventative and diagnostic services
  • Basic services
  • Major services

What’s not covered by dental insurance

Dental insurance typically doesn’t cover cosmetic procedures.

Should I get dental insurance?

If you want to avoid the high out-of-pocket costs that come with trips to the dentist, dental insurance is well worth the investment. This is particularly true if you’d like to keep your teeth and gums in optimal shape and help reduce the risk of complications that can cost you even more time and money. Purchasing dental insurance is also a good option if your employer doesn’t offer it.

Aflac offers affordable dental insurance coverage

Now that you know what dental insurance is and what it covers, you might be ready to apply for a policy. Aflac offers affordable dental insurance plans that can help you and your loved ones achieve and maintain excellent oral health. Chat with an agent today to learn more about dental insurance and get a quote.

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