Dental Insurance FAQ

It is like health coverage for your teeth, gums and other parts of your mouth.

Just like all products, dental insurance is a contract between you and provider that allows you to receive financial help paying for a service in return for a monthly premium. All products are designed to offer a buffer between you and high or unattainable out-of-pocket costs.

Many serious issues, such as diabetes and heart problems, have been linked to poor dental health. Dental coverage allows you to have regular oral care to help maintain your overall health. Regular visits to the dentist help make children more conscientious when they are adults and taking care of their dental needs.

Having coverage also means you get to establish care with a regular dental professional – someone who knows you and your family and can base your treatment on that knowledge. It also means you’ll receive preventative care – ensuring that minor issues don’t turn into major problems.

Some health plans offer dental coverage, generally for an extra amount. If you do not have health or your plan doesn’t offer dental, you can purchase dental separately.

You will receive the same benefits regardless of whether you choose an in-network or out-of-network provider. Aflac is a passive PPO, which means you’ll pay the same deductible and coinsurance, plus have the same annual maximums. The only thing to keep in mind is that some out-of-network dental providers charge more for their services, which translates to a higher out-of-pocket for you.

The deductible is the amount you pay before your insurer begins to pay. You will see a decrease in your deductible every year you stay in your Aflac plan, up to year three. For example, your deductible in year one for a tooth extraction may be $75, year two $50 and year three $25, where it will stay for remainder of the time you participate.

No. Dental is not required for adults. Dental is not required for children unless they are enrolled in Medicaid or Children’s Health Insurance Program (CHIP). These programs automatically provide dental care for children.

All patients have specific circumstances, but the plan does cover implants under certain circumstances.

In most cases, braces are not covered.

You can pay online or through the mail with a bank account, credit card or check.