We care about Aflac’s policyholders affected by the recent weather:
To help provide relief for California policyholders residing in Santa Cruz County who were affected by the coastal storms, Aflac will provide a premium grace period starting Dec. 23, 2024, and ending Apr. 15, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.
For Network Dental and Vision Members:
This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.
We care about Aflac’s policyholders affected by the recent wildfires:
To help provide relief for California policyholders residing in Los Angeles and Ventura Counties affected by the wildfires, Aflac will provide a premium grace period starting Jan. 7, 2025, and ending Mar. 10, 2025. This grace period also provides an extension of filing deadlines for claims and leniency for any other action required under the policy. Aflac will provide a replacement copy of the policy upon request by the policyholder.
For Network Dental and Vision Members:
This grace period also provides an extension of filing deadlines for claims; relaxation of prior authorization, precertification, and referral requirements; access to appropriate out-of-network providers due to unavailability on in-network providers or the members’ displacement; and leniency for any other action required under the certificate. A replacement copy of the certificate will be provided upon request by the certificate holder. Affected members should contact Aflac Benefit Solutions (formerly Argus Dental and Vision) at 855-819-1873, Option 1, for assistance.
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Dental insurance works differently than traditional health insurance. To put things in perspective, the average cost of a dental bridge can be anywhere from $500 to $1,500.1 Having some type of affordable dental insurance plan can dramatically reduce that cost.
Dental insurance premiums can range from $10-$50 per month and you may be required to meet a deductible or sum of money that must be paid before dental insurance benefits kick in.2 However, finding an affordable plan that works with your oral health goals can make all the difference. Read on to learn how dental insurance works, how much it costs, and some affordable policy options Aflac offers.
Table of Contents
Aflac has two low-cost dental insurance options: primary full-coverage dental insurance and supplemental dental insurance. It's important to note that the term "full coverage dental insurance" refers to the plan's ability to help cover a variety of different dental treatments and procedures. It is not meant to imply total coverage.
Our primary dental insurance plan helps cover routine care at an affordable price that improves over time. This means your out-of-pocket costs decrease every year you have the plan. You can choose any dentist from our extensive list of participating providers.
Also, waiting periods are mostly minimal, depending on the treatment you need. You can also add vision and hearing coverage to your dental plan to make sure you aren't neglecting certain aspects of your health.
We also offer supplemental dental insurance that works with your existing dental insurance to help close gaps in coverage. This plan pays you cash benefits, unless otherwise assigned, to help cover any dental expenses not covered by your primary plan.
Dental insurance is a type of policy that can help lower your out-of-pocket costs for dental care. A dental insurance plan from Aflac offers coverage for preventive, basic, and major services such as routine exams, fillings, and crowns. You can get dental insurance through your employer or an insurance company.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedThe cost of dental insurance depends on a variety of factors, like what you want your annual maximum to be, your group's situs state, and your coverage aims. We recommend you chat with an Aflac agent to determine what your average dental insurance cost per month might look like.
Even the most affordable dental insurance plans usually consist of 4 main factors. Depending on how each of these factors are broken down, you may be able to keep your dental insurance cost per month relatively low and enjoy affordable coverage.
The deductible is an amount of money that must be paid before any dental insurance benefits kick in.3 Not all plans require a deductible, but most PPO's do.2
A copay is the amount of money the insurance company requires you to pay for part of a specific service.3 Once that portion of the service is paid for, the insurance benefits can kick in.
Coinsurance is the part of dental insurance that breaks down what percent is paid for by you and what part is paid for by insurance.3
The annual maximum is an agreed upon amount that your dental insurance provider is willing to pay for services each year.4 There are some dental insurance plans with no annual maximum.
Here are some of the key benefits dental insurance offers:
From routine cleanings to oral surgery, dental insurance can help cover a wide range of services. This can help lower the costs you'll spend on dental care.
You can find many dental insurance plans with affordable rates. Aflac dental insurance, for instance, offers premiums that will fit most budgets.
Having dental insurance can make dental care more affordable. You can visit the dentist regularly and receive the treatments you need without paying full price for care, which can help you maintain good oral health.
Dental insurance is worth it if you are looking for additional support for minor and major dental procedures. With an Aflac dental insurance plan, the costs of cleanings, crowns, bridges, and implants can be significantly minimized.
For some of our basic and preventative services, there is little to no waiting period. However, there may be a longer waiting period for more invasive surgeries and treatments. Regardless, we'll work with you to select a plan that brings the average dental insurance cost down.
The right affordable dental insurance plan for you depends on your coverage needs and financial situation. Consider factors like waiting periods, coverage amounts, and your budget when deciding which type of plan is best.
There are many types of affordable dental insurance for individuals and families. Aflac's full coverage dental insurance can help provide coverage for your dental needs at a cost that can fit your budget. Regular dental cleanings, crowns, and fillings can be much more manageable with an affordable dental plan. If you already have dental insurance and don't want to make the switch, our supplemental dental insurance plan may be just the coverage support you and your family need.
Get Started
The costs of dental care can add up quickly without insurance. Learn how you can save money on dental care costs with Aflac dental insurance.
Wondering if dental insurance is worth it? Learn about how dental insurance works, coverage options, and how to get the right plan for you.
The costs of dental care can add up quickly without insurance. Learn how you can save money on dental care costs with Aflac dental insurance.
Wondering if dental insurance is worth it? Learn about how dental insurance works, coverage options, and how to get the right plan for you.
1 Dentaly - Dental Bridge Cost, Materials, Problems, Benefits, and Alternatives. Updated December 8, 2024. Accessed January 30, 2025. https://www.dentaly.org/us/dental-bridge-information/.
2 Health Insurance - What’s the difference between dental insurance and dental discount plans? Updated January 15, 2024. Accessed January 30, 2025. https://www.healthinsurance.org/faqs/whats-the-difference-between-dental-insurance-and-dental-discount-plans/.
3 EHealth Insurance - What is a deductible? Updated April 29, 2024. Accessed January 30, 2025. https://www.ehealthinsurance.com/resources/affordable-care-act/deductible-insurance.
4 EHealth Insurance - What Are the Health Insurance Lifetime Maximum and Annual Maximum? Updated February 29, 2024. Accessed January 30, 2025. https://www.ehealthinsurance.com/resources/affordable-care-act/lifetime-and-annual-limits.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
In Arkansas, Policies A82100RAR–A82400RAR. In Delaware, Policies A82100R-A82400R. In Idaho, Policies A82100RID-A82400RID. In Oklahoma, Policies A82100ROK-A82400ROK. In Virginia, Policies A82100RVA-A82400RVA.
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.
Dental, Vision and Hearing: In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. Dental claims are administered by SKYGEN USA, LLC. 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.
Coverage underwritten by Tier One Insurance Company.
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 (NAIC 92908).
This is a brief product overview only. Coverage may not be available in all states, including but not limited to NH, NJ, NM, NY, or VA. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policies and riders for benefit details, definitions, limitations and exclusions. For availability and costs, please complete the form above.
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