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.
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.
You have options.
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.
If you opt for an Aflac dental insurance plan, you can expect it to help cover the following:
Dental insurance typically doesn’t cover cosmetic procedures.
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.
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.
Explore your dental insurance options.
1 Investopedia - How Does Dental Insurance Work? Updated March 9, 2022. https://www.investopedia.com/articles/personal-finance/111715/how-does-dental-insurance-work.asp. Accessed March 28, 2023.
Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York. In Arkansas, Policies A81100AR–A81400AR. Policies A82100RAR–A82400RAR. In Delaware, Policies A81100–A81400. Policies A82100R–A82400R. In Idaho, Policies A81100ID–A81400ID. Policies A82100RID–A82400RID. In New York, Policies NY81100–NY81400. Policies NY82100–NY82400. In Oklahoma, Policies A81100OK–A81400OK. Policies A82100ROK–A82400ROK. In Oregon, Policies A81100OR–A81400OR. Policies A82100ROR–A82400ROR. In Pennsylvania, Policies A81100PA–A81400PA. Policies A82100RPA–A82400RPAR. In Texas, Policies A81100TX–A81400TX. Policies A82100RTX–A82400RTX. In Virginia, Policies A81100VA–A81200VA. Policies A82100RVA–A82400RVA.
Coverage underwritten by Tier One Insurance Company. Dental, Vision and Hearing: In Arkansas, Policy T80000AR. In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. In Oregon, Policy T80000OR. In Texas, Policy T80000TX. Not available NY or VA. Dental claims are administered by Aflac Benefits Solutions, Inc. 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. 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 (Tier One NAIC 92908).
This is a brief product overview only. Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY or VA. 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. For complete details, including availability and costs, please contact your local Aflac agent.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999