Do I Need 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.

How Much Does Dental Insurance Cost?

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.

How Can I Choose the Right Dental Insurance Plan?

Not all plans are created equally. Our dental plan offers several levels of coverage to fit most oral care needs and budgets. To select the right one, 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.

Does Dental Insurance Cover Implants?

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 plan that pays for a portion of various cosmetic dental procedures.

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It’s no secret that routine dental care contributes to good medical health. Our dental insurance provides benefits for a variety of services, with no networks, deductibles, or precertification requirements.

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Basic

$285

Benefits Payable¹

Standard

$400

Benefits Payable²

Premier

$450

Benefits Payable³

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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)

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