Routine dental care plays a crucial role in your overall health. Aflac’s supplemental dental insurance helps you manage essential dental costs by providing cash benefits for a range of services with no network restrictions, deductibles or precertification requirements.
Whether you need preventive care or more advanced treatment, our supplemental dental plans give you the flexibility to visit your preferred dentists and apply your cash benefits where you need them most.
Supplemental dental insurance helps you pay for dental expenses your primary dental or health plan may not cover. Rather than paying providers directly, Aflac pays benefits to you (unless otherwise assigned), so you can use the funds toward your dental care costs. This type of insurance can help you afford routine visits, basic treatments and major procedures, making it easier to get the care you need without breaking the bank.
How does supplemental insurance work?
1
It's time for a cleaning.
You visit the dentist of your choice for routine dental cleaning and exam.
2
You need additional care.
Your dentist notices that you have a large cavity that requires a crown. Luckily, with Aflac's supplemental dental coverage, that's nothing to grind your teeth over.
3
Aflac helps cover the costs.
You receive cash benefits to help cover your crown, enabling you to get the care you need without stressing over the cost.
Choose the right plan tier for you.
Basic
$285
benefits payable1
Standard
$400
benefits payable2
Premier
$450
benefits payable3
What is supplemental dental insurance?
Supplemental dental insurance can fill in gaps left by your primary dental plan. For example, Aflac's supplemental insurance can help you:
Manage out-of-pocket costs that aren't covered by your primary dental plan
Stay on top of preventive care and necessary treatments
Prepare for unexpected dental expenses
Select coverage that fits your needs and budget
Supplemental dental insurance FAQs
Supplemental dental insurance may be a good fit if your current plan has limited coverage, or if you expect your dental care needs may result in higher out-of-pocket expenses.
Supplemental dental coverage varies by plan, but it often includes preventive care, basic services and certain major procedures, like crowns or restorative treatments.
Traditional plans typically pay dental providers directly and often come with network restrictions. In contrast, supplemental dental insurance gives you cash benefits to apply toward eligible dental expenses and allows you to visit the dentist of your choice.
If you need help managing dental costs and want more flexibility in how you use your benefits, supplemental dental insurance may be a worthwhile option. This type of coverage can reduce your out-of-pocket costs and help you afford the dental care you need to maintain your oral health and smile.
When comparing supplemental dental insurance plans, pay close attention to the following policy details:
Covered services: Some plans may only cover preventive, while others may also cover basic and major procedures.
Provider flexibility: Check whether you can visit your preferred dentist without network restrictions.
Benefit amounts: Review how much the plan pays for different services.
Costs: Compare each plan’s premiums and potential out-of-pocket expenses.
Waiting periods: See if there are any delays before your benefits become available.
Coordination with other coverage: Make sure the plan works alongside your primary dental insurance.
Aflac’s supplemental dental insurance offers coverage for a wide range of services, has no network restrictions, and allows you to choose the plan tier that fits your needs and budget.
Peace of mind doesn't have to break the bank
Don't wait until it's too late. Protect yourself and your family with affordable coverage from Aflac.
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