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For many, it can seem like a long-winded journey to figure out how to get dental insurance. At Aflac, we make it easy to get the support you deserve. Dental insurance may be worth the cost because it helps provide coverage for preventative, standard and more advanced procedures. Getting a dental insurance plan can help you save money on your unique dental hygiene maintenance. Read on to learn how dental insurance works and what it covers to decide if this type of supplemental insurance plan is worth it for you.
Dental insurance is usually made of different components like waiting periods, premiums, annual maximums and overall coverage. These four elements can shift depending on what you want in a dental insurance plan.
Compared to medical insurance, dental insurance helps cover treatments and procedures associated with teeth and gums.1 Some treatments may have no waiting period, while others require a certain amount of time to pass.
At Aflac, you can get dental insurance that helps cover a wide range of treatments and procedures at an affordable rate. There are no waiting periods for preventative care and fair waiting periods for more advanced treatments and procedures. Our dental coverage allows you to work with any participating dentist, and your out-of-pocket costs will decrease every year you own the plan.
Dental insurance offers coverage for preventative, basic, and major services that can make this type of plan well worth it. If you choose to get dental insurance, you should double check the benefits offered for the procedures you have in mind. The amount of coverage for each treatment depends on the dental insurance plan you choose. We recommend chatting with an Aflac agent to better understand what’s covered by our dental insurance.
You don’t need to have a dental insurance policy in order to visit the dentist. However, your out-of-pocket costs may be much higher if you undergo a procedure and don’t have coverage.
If you don’t have dental insurance, treatments can get expensive quickly. Even a basic service like a filling can cost hundreds of dollars without insurance. Having dental insurance coverage can help you save money on out-of-pocket costs and receive the dental care you need.
Dental insurance costs vary depending on factors like lifestyle, coverage goals, the state you live in and age. Aflac provides affordable dental insurance to help you meet your oral health and financial goals. Chatting with an agent can help you better forecast specific costs.
Here are some advantages of having a dental insurance plan:
Dental insurance can be worth it if you want get coverage for dental care and save money. Beyond the costs, receiving consistent preventative care can alleviate the need for more treatments later on. At Aflac, you can pay budget-friendly dental insurance rates to save money on future dental care while proactively taking care of your oral health.
Exploring dental insurance terminology can help you understand which dental insurance plan is best for your needs. Premiums, coverage, waiting periods, and annual maximums are the main terms you may see frequently used.
Premiums are regularly scheduled payments that keep your plan active. These can vary based on age, coverage amounts and medical history. We recommend getting a quote from an Aflac agent to see what your dental insurance premiums could look like.
Aflac offers dental coverage for individuals, families and businesses. We also offer supplemental dental insurance to help cover anything missing by your primary dental plan. Most plans offer coverage to help in one or all of the following areas: preventative, basic and major coverage.1
Some of these areas may be fully covered, while others are subject to partial coverage, depending on the plan you choose. Every dental insurance plan is different, so we recommend looking at the fine print.
In some cases, there may be an annual maximum that insurance companies are willing to pay for treatments and procedures. Once this number is reached, the insured is responsible for paying additional fees.1 Looking at the annual maximum in a plan can help determine if there is enough coverage for your specific needs.
Depending on the dental treatment, there may be a critical period before benefits can be accessed. Some treatments may have no waiting period, while others may need a certain number of months to pass.1 With Aflac’s dental insurance, there is no waiting period for routine care, but there are some waiting periods for more invasive procedures.
If you’ve decided dental insurance is worth it for you, it’s time to choose the right plan. Aflac offers primary dental insurance and supplemental dental insurance to help bring the costs of dental care down. If you are looking for better healthcare, ask our agents about the option of adding vision and hearing coverage to your dental plan.
1 Investopedia - How Does Dental Insurance Work. Updated December 15, 2023. Accessed February 6, 2024. https://www.investopedia.com/articles/personal-finance/111715/how-does-dental-insurance-work.asp.
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, please contact your local Aflac agent.
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.
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.
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.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999
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