Dental Insurance

While dental insurance isn't required, it's often a good idea. This is particularly true if you don't have the cash to pay for various dental treatments up front. Without a policy, you may forgo oral health care and face serious and costly dental issues in the future. Having supplemental insurance for dental needs can incentivize you to be proactive in keeping your teeth, gums and mouth healthy.

Dental insurance costs can vary depending on the type of plan and the level of coverage you choose, but these plans typically come with affordable premiums. That being said, choosing to buy dental insurance can help you reduce long-term associated costs. In addition to premiums, you may have to pay for copays, deductibles and any treatment that goes over annual coverage maximums.

Not all plans are created equally. Our dental insurance plan offers several levels of coverage to fit most oral care needs and budgets. To select the right plan, shop around to see what options you have to buy dental insurance online. We recommend assessing your unique dental needs and coverage preferences. You should also consider your budget and how much you can afford to help cover dental care out-of-pocket costs.

In general, preventive care like cleanings and x-rays are fully covered by dental insurance plans with no waiting period, and other, more complex treatments such as root canals and implants are covered at a percentage after the waiting period has expired.

Depending on the individual dental insurance plan you choose and the treatments you need, you might have to pay a deductible before receiving coverage. Our dental plans offer building benefits that increase the annual maximums and the coverage level over time for certain benefits. Our building benefit also decreases the annual deductible over time.

Insurance companies often view implants as cosmetic treatments. Since they're not always medically necessary, many insurers don't offer coverage for dental implants. However, you may be able to find a dental insurance plan that pays for a portion of various cosmetic dental procedures.