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Dental insurance can help you cover a variety of dental procedure costs. It may help protect you from the high costs of keeping your teeth, gums, and mouth healthy. Let’s take a closer look at how dental insurance plans work and what they cover so you can decide if getting a plan is worth it in your situation.
A dental insurance is a supplemental plan that is separate from your main health insurance. You may receive it through your employer or purchase a separate individual or family plan from a dental insurance company. If you enroll in dental insurance, you’ll pay premiums in exchange for coverage.
While every dental insurance policy is different, most of them come with deductibles, copayments, and coinsurance, which you’ll be responsible for when you receive dental care.1 Depending on the specifics of your dental insurance, you might have to stay within the company’s network. In addition, your dental plan may have an annual maximum, which is the maximum dollar amount it will pay toward dental care costs.
Here are some types of dental insurance:
Dental PPO plans offer the flexibility to visit any dentist, but also have a network of dentists who provide dental services at discounted rates. The premiums, deductibles, and annual maximum benefits can vary greatly in these plans.
With Dental HMO plans, you choose a primary care dentist from a network and receive all of your dental care through this dentist. These plans often have lower premiums and a more restricted choice of dentists.
These are not technically insurance plans, but membership programs that offer discounts on dental services from a select group of dentists. There are no claim forms to file, as the discounted fee is paid directly to the dentist. While these plans are often less expensive than traditional dental insurance, they also provide less coverage.
Dental insurance premiums typically range from $10 to $50 per month for individuals.2 The cost you’ll pay can vary based on the type of plan and amount of coverage you get. Aflac offers dental insurance with affordable premiums that will fit most budgets.
Since dental care can be expensive, dental insurance can help make the costs more affordable. With dental insurance, you may be able to save money on a variety of treatments and procedures. A policy may also motivate you to be proactive and prioritize your oral health so you can avoid serious complications down the road.
If you opt for an Aflac dental insurance plan, you can expect it to help cover the following:
Now that you know what dental insurance covers, you may be wondering what’s not covered by this type of insurance. Dental insurance typically doesn’t cover cosmetic procedures.
If you want to avoid the high out-of-pocket costs that come with trips to the dentist, dental insurance is well worth the investment. This is particularly true if you’d like to keep your teeth and gums in optimal shape and help reduce the risk of complications that can cost you even more time and money. Purchasing dental insurance can also be worth it if your employer doesn’t offer it.
Now that you know what dental insurance is and what it covers, you might be ready to apply for a policy. Aflac’s affordable dental insurance plans can help you and your loved ones achieve and maintain excellent oral health. Chat with an agent today to learn more about dental insurance and get a quote.
1 Investopedia - How Does Dental Insurance Work? Updated December 15, 2023. https://www.investopedia.com/articles/personal-finance/111715/how-does-dental-insurance-work.asp. Accessed July 23, 2024.
2 Health Insurance – What’s the difference between dental insurance and dental discount plans? Updated January 15, 2024. Accessed July 23, 2024. https://www.healthinsurance.org/faqs/whats-the-difference-between-dental-insurance-and-dental-discount-plans/
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.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac 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.
Dental, Vision, and Hearing coverage is 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 (Tier One NAIC 92908).
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.
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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