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Guaranteed‐issue is available for select products, which means no underwriting questions for your employees.
May not be available in all states
No provider network means your employees have the freedom to choose any dentist.
Go beyond the usual dental options for all of your employees.
Individual goes to the dentist for routine exam, cleaning, and X-rays.
Individual has a large cavity and needs a crown.
Aflac dental coverage pays benefits directly to the policyholder.
Payable to: Policyholder
$410
and affordable weekly rates as low as the cost of a toothbrush and toothpaste.3
Companies choose to make Aflac policies available to increase benefits options without impacting their bottom line.
1Who has dental benefits?, National Association of Dental Plans. Accessed August 8, 2017. http://www.nadp.org/Dental_Benefits_Basics/Dental_BB_1.aspx.
2The above example is based on a scenario for Aflac Dental – Level 1 (domicile state) that includes the following benefit conditions: dental wellness benefit $50, X‐ray benefit of $35, crowns and major services benefit (waiting period met) of $325. Benefits may vary by state, benefit option, and level of coverage selected. Review your state‐specific brochure below for a “How It Works” scenario customized for your state.
DENTAL - A82000 SERIES
In Arkansas, Policies A82100RAR through A82400RAR. In Idaho, Policies A82100RID through A82400RID. In New York, Policies NY82100 through NY82400. In Oklahoma, Policies A82100ROK through A82400ROK. In Oregon, Policies A82100ROR through A82400ROR. In Pennsylvania, Policies A82100RPAR through A82400RPAR. In Texas, Policies A82100RTX through A82400RTX. In Virginia, Policies A82100RVA through A82400RVA. This is a brief product overview only. Coverage may not be available in all states. Benefits/premium rates may vary based on plan selected. Optional riders are available at an additional cost. The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.
Limitations and Exclusions for residents of Arizona:
Aflac will not pay benefits for losses caused by or resulting from:
Benefits for sealants are limited to secondary molars for Dependent Children under age 16 and will not be payable more often than every five years. No benefits will be paid for replacement of teeth missing before the Effective Date of coverage. Aflac will not pay benefits for services rendered by you or a member of the Immediate Family of a Covered Person. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.
Limitations and Exclusions for residents of Idaho:
Aflac will not pay benefits for losses caused by or resulting from:
Benefits for sealants are limited to secondary molars for Dependent Children under age 16 and will not be payable more often than every five years. No benefits will be paid for replacement of teeth missing before the Effective Date of coverage. Aflac will not pay benefits for services rendered by you or a member of the Immediate Family of a Covered Person. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.
Limitations and Exclusions for residents of New Jersey:
Aflac will not pay benefits for losses caused by or resulting from:
No benefits will be paid for replacement of teeth missing before the Effective Date of coverage. Aflac will not pay benefits for services rendered by you or a member of the Immediate Family of a Covered Person. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.
Limitations and Exclusions for residents of Virginia:
Aflac will not pay benefits for losses caused by or resulting from:
Benefits for sealants are limited to secondary molars for Dependent Children under age 16 and will not be payable more often than every five years. No benefits will be paid for replacement of teeth missing before the Effective Date of coverage. Aflac will not pay benefits for services rendered by you or a member of the Immediate Family of a Covered Person. Aflac will not pay benefits whenever coverage provided by the policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.
3Assumes the national average cost of a tube of toothpaste is $2.49*, and the average cost of a toothbrush is $2.90**. Comparison is based on the average weekly premium for Nebraska Payroll for industry Class A; Dental Essentials - Series A-82100R; Individual aged 18-70; Premium with no additional riders. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
*Source: Wolfram Alpha LLC. 2014. Wolfram|Alpha.
http://m.wolframalpha.com/input/?i=price+of+toothpaste (access May 6, 2015).
**Source: Walmart.com, May 2017.
