How Much Does Dental, Vision, and Hearing Insurance Cost?

DVH insurance costs can vary by the type of plan you get and which level of coverage you select. Aflac offers competitive premiums to help you gain cost effective coverage.

Do DVH Insurance Plans Come with Increasing Benefits?

Yes, DVH insurance plans come with increasing benefits. Out-of-pocket costs decrease over time via a yearly decreasing deductible and increasing annual maximum. Plus, coverage amounts increase to help you pay for more services. The longer you keep the policy, the more coverage you can gain. This lets you cover more dental, vision, and hearing expenses annually the longer you stay with Aflac.

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Individuals & Families

Individuals & Families

Learn how Aflac pays cash benefits to help with out-of-pocket expenses that your major medical may not cover.
Business Owners

Aflac lets you provide your employees with outstanding benefits without costing you a penny.
Agents

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Brokers

Offer your clients better benefit options with Aflac supplemental insurance policies.

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Dental, Vision and Hearing (DVH) Insurance Plans

Help ensure added peace of mind for you and your loved ones with coverage for routine check-ups, corrective lenses, hearing aids and more.

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Traditional health insurance typically doesn't cover most of the costs involved in maintaining oral, ear and eye health. Even routine preventative care can be costly when paid out-of-pocket.

Aflac's Dental, Vision and Hearing Insurance combines all three types of insurance into one comprehensive plan to provide competitive rates to help with the cost of treatments and safeguard your well-being.

Dental, Vision and Hearing Insurance Highlights

DVH Elite Plan Benefits

Annual Dental Deductible

Policy Year 1

$75/person

Policy Year 2

$50/person

Policy Year 3

$25/person
Basic Dental Services
Covered at 60% after the 6-month waiting period has been met and covered at 70% after 1 year and 80% after 2 years

Major Dental Services
Covered at 30% after the 9-month waiting period has been met and covered at 50% after 1 year and 70% after 2 years
Annual Dental Maximum

Policy Year 1

$1,500/person

Policy Year 2

$1,750/person

Policy Year 3

$2,000/person
Frames, Lens and Contact Lens Allowance
$250 every 24 months after copay with no waiting period

Annual Vision Exam
Covered 100% after copay
Hearing Aids and Repair Allowance
$500 per year with a 9-month waiting period

Annual Hearing Exam
Up to $75 reimbursement, with no waiting period

DVH Core Plan Benefits

Annual Dental Deductible

Policy Year 1

$75/person

Policy Year 2

$50/person

Policy Year 3

$25/person
Basic Dental Services
Covered at 50% after the 6-month waiting period has been met and covered at 60% after 1 year

Major Dental Services
Covered at 50% after the 12-month waiting period has been met
Annual Dental Maximum

Policy Year 1

$1,000/person

Policy Year 2

$1,250/person

Policy Year 3

$1,500/person
Frames, Lens and Contact Lens Allowance
$150 every 24 months after copay with no waiting period

Annual Vision Exam
Covered 100% after copay
Hearing Aids and Repair Allowance
$500 per year with a 12-month waiting period

Annual Hearing Exam
Up to $75 reimbursement, with no waiting period

DVH Insurance Combines 3 Policies into 1 Comprehensive Plan

Dental Insurance

Dental insurance helps protect you from the high costs of dental care. It helps cover a range of services:
- Preventative care: Cleanings, exams and routine x-rays
- Basic procedures: Root canals, periodontal scaling, fillings and non-routine x-rays
- Major procedures: Complex oral surgery, dental implants, crowns and bridges
Vision Insurance Option

Vision insurance can offer partial or full coverage for the following to help you maintain your vision:
- Routine eye exams
- Prescription frames and lenses
- Contact lenses
- Surgery
- Specific eye diseases and disorders
Hearing Insurance Option

Hearing insurance helps you pay for costs related to maintaining your hearing and ear health. Specific expenses this policy helps cover may include the following:
- Routine hearing exams
- Hearing aid repairs
- Hearing aids — fitting and devices
- Hearing aid supplies, such as batteries

Enjoy the Benefits of Dental, Vision and Hearing Insurance Coverage

Discover the combined benefits of Aflac's Dental, Vision and Hearing Insurance:

Cover Routine and Unexpected Health Expenses

Our insurance can help with the costs of routine care and unexpected dental, vision and hearing procedures.

Gain Added Peace of Mind

Knowing you have a cost effective way to get dental, vision and hearing care can help provide added peace of mind.

Maintain Good Health for the Whole Family

By paying for a DVH insurance plan, you may feel more incentivized to use the benefits. This can encourage you and your loved ones to get routine care and help providers catch warning signs early.

Simplicity

With Dental, Vision and Hearing Insurance, you can manage one plan with one insurance company. It's easier to understand your plan's features and benefits, pay premiums and get answers to any questions you may have.

Get a Quote for DVH Insurance

Don't wait to get insurance coverage and help protect your well-being. Get a quote for Aflac Dental, Vision and Hearing Insurance today.

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DVH Insurance FAQs

DVH insurance allows you to add vision and hearing coverage to a dental plan. This can help simplify coverage for both routine and unexpected dental, vision and hearing care costs.

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Except in New York, individual insurance and group dental and vision insurance is offered by American Family Life Assurance Company of Columbus. In NY both group and individual coverage is offered by American Family Life Assurance Company of New York. Group policies are offered by Continental American Insurance Company (CAIC). CAIC is not licensed to solicit business in New York, Guam, Puerto Rico or the Virgin Islands. In CA, CAIC does business as Continental American Life Insurance Company (CAIC NAIC 71730)

Dental and Vision plans are administered by Aflac Benefit Solutions, Inc.

Aflac Worldwide Headquarters | Columbus, GA

Aflac Group | Columbia, SC

American Family Life Assurance Company of New York | Albany, NY

Aflac’s Premium Life, Absence and Disability Services are available in all states, except Puerto Rico, Guam or the Virgin Islands, and are offered by Continental American Insurance Company (CAIC). Self-funded plans and absence services are administered by CAIC in all states but NY. In NY, self-funded plans and absence services are administered by and insurance is offered by American Family Life Assurance Company of NY. Administrative services are not insurance and are not considered legal advice. Products may not be available in all states and may vary depending on state law.

Direct to Consumer Business is underwritten by Tier One Insurance Company, doing business as Tier One Life Insurance Company in California (Tier One NAIC 92908)

Notifications from Aflac

Individuals & Families

Business Owners

Agents

Brokers

Dental, Vision and Hearing (DVH) Insurance Plans

Dental, Vision and Hearing Insurance Highlights

DVH Elite Plan Benefits

Annual Dental Deductible

Basic Dental Services Covered at 60% after the 6-month waiting period has been met and covered at 70% after 1 year and 80% after 2 years

Major Dental Services Covered at 30% after the 9-month waiting period has been met and covered at 50% after 1 year and 70% after 2 years

Annual Dental Maximum

Frames, Lens and Contact Lens Allowance $250 every 24 months after copay with no waiting period

Annual Vision Exam Covered 100% after copay

Hearing Aids and Repair Allowance $500 per year with a 9-month waiting period

Annual Hearing Exam Up to $75 reimbursement, with no waiting period

DVH Core Plan Benefits

Annual Dental Deductible

Basic Dental Services Covered at 50% after the 6-month waiting period has been met and covered at 60% after 1 year

Major Dental Services Covered at 50% after the 12-month waiting period has been met

Annual Dental Maximum

Frames, Lens and Contact Lens Allowance $150 every 24 months after copay with no waiting period

Annual Vision Exam Covered 100% after copay

Hearing Aids and Repair Allowance $500 per year with a 12-month waiting period

Annual Hearing Exam Up to $75 reimbursement, with no waiting period

DVH Insurance Combines 3 Policies into 1 Comprehensive Plan

Dental Insurance

Vision Insurance Option

Hearing Insurance Option

Enjoy the Benefits of Dental, Vision and Hearing Insurance Coverage

Cover Routine and Unexpected Health Expenses

Gain Added Peace of Mind

Maintain Good Health for the Whole Family

Simplicity

Get a Quote for DVH Insurance

DVH Insurance FAQs

What does DVH Insurance cover?

How can I choose the right DVH Insurance plan?

How much does Dental, Vision and Hearing Insurance cost?

Do DVH Insurance plans come with increasing benefits?

Basic Dental Services
Covered at 60% after the 6-month waiting period has been met and covered at 70% after 1 year and 80% after 2 years

Major Dental Services
Covered at 30% after the 9-month waiting period has been met and covered at 50% after 1 year and 70% after 2 years

Frames, Lens and Contact Lens Allowance
$250 every 24 months after copay with no waiting period

Annual Vision Exam
Covered 100% after copay

Hearing Aids and Repair Allowance
$500 per year with a 9-month waiting period

Annual Hearing Exam
Up to $75 reimbursement, with no waiting period

Basic Dental Services
Covered at 50% after the 6-month waiting period has been met and covered at 60% after 1 year

Major Dental Services
Covered at 50% after the 12-month waiting period has been met

Frames, Lens and Contact Lens Allowance
$150 every 24 months after copay with no waiting period

Annual Vision Exam
Covered 100% after copay

Hearing Aids and Repair Allowance
$500 per year with a 12-month waiting period

Annual Hearing Exam
Up to $75 reimbursement, with no waiting period