Aflac Dental Coverage
Dental insurance by Aflac includes five plan options ranging from the Basic dental to the Elite options that include vision and hearing benefits. The Dental deductible decreases over the first three years and the annual maxium increases over the same period. You can use the dental insurance alone or with other dental coverage. You can use dental providers in our out of network.
Aflac supplemental plans also include Accident Medical and Critical Illness plans. Why Aflac insurance? Aflac is insurance that helps pay for the unexpected surprises in life. Insurance typically dose not pay for everything leaving you with out of pocket expenses. Aflac plans can help lessen the amount you have to pay and the dental plan options will keep you smiling.
You can choose effective dates as early as tomorrow or up to three months in the future!
Aflac Dental & Vision Insurance
Underwritten by Tier One Insurance Company.
Rated A+ Excellent by AM BEST
Note: During the quote, you will see many different options such as Dental, Accident and Critical Illness plans. Select Dental and the Insurance Carrier(s). Each plan will have a link for plan details to help you learn about the benefits. You can also add multiple plan types to your cart. If you need to see a dentist for major services, view the Spirit Dental Insurance plan which has no waiting periods.
Call Us at (800) 544-9505 with Questions or to Apply over the phone.
You can use your Aflac Dental Insurance as early as tomorrow.
Aflac Dental Plan – Affordable options for everyday needs.
Click the plan name or button to view details
Basic Dental Option - Lowest Priced Option
- Annual Maximum Benefit $750 per Covered Person(s) year one $1,000 year two $1,250 year three
- Annual Deductible (Per Person) $75 per Covered Person(s) year one $50 year two $25 year three
- Preventive Dental Care Policy pays 100% day one
- Preventive Services (Services provided by a Network Provider are not subject to Policy Year Deductible)
- Basic Dental Care Policy pays 50% after waiting period 50% year two 50% year three
Waiting Periods
- Preventative Dental Care: No Waiting Period
- Basic Dental Care: 6 Months
- Major Dental Care Not Covered
- Orthodontic Services Not Covered
- Vision Benefit Not Covered
- Hearing Benefit Not Covered
DENTAL BENEFITS: Dental services provided by a Network Provider are paid based on the contracted fee for service that has been established through the Participating Provider Organization. You are responsible for any applicable Coinsurance and Policy Year Deductibles. Dental services provided by an
Out-of-Network Provider are paid based on the Usual and Customary Charges for the service. You are responsible for charges by an Out-of-Network Provider that exceed the Usual and Customary Charges, in addition to any applicable Coinsurance and Policy Year Deductibles.
After the Policy Year Deductible is satisfied and subject to any applicable Waiting Periods, we will pay a
percent of the contracted fee for service, up to the Policy Year Maximum, for dental benefits that include
Preventive Services, such as oral evaluations, cleanings, and x-rays; and Basic Services, such as fillings
and extractions. For a complete listing of dental services covered, please see your policy.
Core Dental Option
- Annual Maximum Benefit $1,000 per Covered Person(s) year one $1,250 year two $1,500 year three
- Annual Deductible (Per Person) $75 per Covered Person(s) year one $50 year two $25 year three
- Preventive Dental Care Policy pays 100% day one
- Basic Dental Care Policy pays 50% after waiting period 60% year two 60% year three
- Major Dental Care Not Covered year one, 50% year two, 50% year three
Waiting Periods
- Preventative Dental Care: No Waiting Period
- Basic Dental Care: 6 Months
- Major Dental Care: 12 Months
- Orthodontic Services Not Covered
- Vision Benefit Not Covered
- Hearing Benefit Not Covered
DENTAL BENEFITS: Dental services provided by a Network Provider are paid based on the contracted fee for service that has been established through the Participating Provider Organization. You are responsible for any applicable Coinsurance and Policy Year Deductibles. Dental services provided by an
Out-of-Network Provider are paid based on the Usual and Customary Charges for the service. You are responsible for charges by an Out-of-Network Provider that exceed the Usual and Customary Charges, in addition to any applicable Coinsurance and Policy Year Deductibles.
After the Policy Year Deductible is satisfied and subject to any applicable Waiting Periods, we will pay a
percent of the contracted fee for service, up to the Policy Year Maximum, for dental benefits that include
Preventive Services, such as oral evaluations, cleanings, and x-rays; Basic Services, such as fillings and
extractions; and Major Services, such as crowns, dentures, and bridges. For a complete listing of dental
services covered, please see your policy.
Elite Dental Option
- Annual Maximum Benefit: $1,500 per Covered Person(s) year one $1,750 year two, $2,000 year three
- Annual Deductible (Per Person): $75 per Covered Person(s) year one, $50 year two, $25 year three
- Preventive Dental Care: Policy pays 100% day one
- Basic Dental Care: Policy pays 60% after waiting period, 70% year two, 80% year three
- Major Dental Care: Policy pays 30% after waiting period, 50% year two, 70% year three
Waiting Periods
- Preventative Dental Care: No Waiting Period
- Basic Dental Care Waiting Period: 6 Months
- Major Dental Care Waiting Period: 9 Months
- Orthodontic Services Not Covered
- Vision Benefit Not Covered
- Hearing Benefit Not Covered
The policy offers dental benefits.
DENTAL BENEFITS: Dental services provided by a Network Provider are paid based on the contracted fee for service that has been established through the Participating Provider Organization. You are responsible for any applicable Coinsurance and Policy Year Deductibles. Dental services provided by an
Out-of-Network Provider are paid based on the Usual and Customary Charges for the service. You are responsible for charges by an Out-of-Network Provider that exceed the Usual and Customary Charges, in addition to any applicable Coinsurance and Policy Year Deductibles.
After the Policy Year Deductible is satisfied and subject to any applicable Waiting Periods, we will pay a
percent of the contracted fee for service, up to the Policy Year Maximum, for dental benefits that include
Preventive Services, such as oral evaluations, cleanings, and x-rays; Basic Services, such as fillings and
extractions; and Major Services, such as crowns, dentures, and bridges. For a complete listing of dental
services covered, please see your policy.
Dental Vision Hearing Core Option
- Annual Maximum Benefit: $1,000 per Covered Person(s) year one, $1,250 year two, $1,500 year three
- Annual Deductible (Per Person): $75 per Covered Person(s) year one, $50 year two, $25 year three
- Preventive Dental Care: Policy pays 100% day one
- Basic Dental Care: Policy pays 50% after waiting period, 60% year two, 60% year three
- Major Dental Care: Policy pays 50% after waiting period, 50% year two, 50% year three
Waiting Periods
- Preventative Dental Care: No Waiting Period
- Basic Dental Care Waiting Period: 6 Months
- Major Dental Care Waiting Period: 12 Months
- Orthodontic Services Not Covered
- Vision Benefit: $10 Exam Copay
$150 Max Per Covered Person(s)
$150 Lens Allowance after $25 Copay (per 24 months)
Find a provider - Hearing Benefit: $25 Deductible per Covered Person(s)
$75 Max per Covered Person(s)
Find a provider
The policy offers dental, vision, and hearing benefits.
DENTAL BENEFITS: Dental services provided by a Network Provider are paid based on the contracted fee for service that has been established through the Participating Provider Organization. You are responsible for any applicable Coinsurance and Policy Year Deductibles. Dental services provided by an
Out-of-Network Provider are paid based on the Usual and Customary Charges for the service. You are responsible for charges by an Out-of-Network Provider that exceed the Usual and Customary Charges, in addition to any applicable Coinsurance and Policy Year Deductibles.
After the Policy Year Deductible is satisfied and subject to any applicable Waiting Periods, we will pay a percent of the contracted fee for service, up to the Policy Year Maximum, for dental benefits that include Preventive Services, such as oral evaluations, cleanings, and x-rays; Basic Services, such as fillings and extractions; and Major Services, such as crowns, dentures, and bridges. For a complete listing of dental services covered, please see your policy.
VISION BENEFITS: After the Co-Pay is satisfied and subject to any applicable Waiting Periods, the policy will pay for vision exams, eyeglass lenses, frames and contact lenses. Please see your policy for more details on vision benefits.
HEARING BENEFITS: After the Policy Year Deductible is satisfied and subject to any applicable Waiting
Periods, the policy will pay for hearing exams, and hearing aids and repairs. Please see your policy for
more details on hearing benefits. Children under age 18 who are certified as deaf or hearing impaired by
a health care provider are also covered for cochlear implants and related treatment.
Dental Vision Hearing Elite Option
- Annual Maximum Benefit: $1,500 per Covered Person(s) year one, $1,750 year two, $2,000 year three
- Annual Deductible (Per Person): $75 per Covered Person(s) year one, $50 year two, $25 year three
- Preventive Dental Care: Policy pays 100% day one
- Basic Dental Care: Policy pays 60% after waiting period, 70% year two, 80% year three
- Major Dental Care: Policy pays 30% after waiting period, 50% year two, 70% year three
Waiting Periods
- Preventative Dental Care: No Waiting Period
- Basic Dental Care Waiting Period: 6 Months
- Major Dental Care Waiting Period: 9 Months
- Orthodontic Services: Not Covered
- Vision Benefit $10 Exam Copay
$150 Max Per Covered Person(s)
$250 Lens Allowance after $25 Copay (per 24 months)
Find a provider - Hearing Benefit $25 Deductible per Covered Person(s)
$75 Max per Covered Person(s)
Find a provider
The policy offers dental, vision, and hearing benefits.
DENTAL BENEFITS: Dental services provided by a Network Provider are paid based on the contracted fee for service that has been established through the Participating Provider Organization. You are responsible for any applicable Coinsurance and Policy Year Deductibles. Dental services provided by an
Out-of-Network Provider are paid based on the Usual and Customary Charges for the service. You are responsible for charges by an Out-of-Network Provider that exceed the Usual and Customary Charges, in addition to any applicable Coinsurance and Policy Year Deductibles.
After the Policy Year Deductible is satisfied and subject to any applicable Waiting Periods, we will pay a percent of the contracted fee for service, up to the Policy Year Maximum, for dental benefits that include Preventive Services, such as oral evaluations, cleanings, and x-rays; Basic Services, such as fillings and extractions; and Major Services, such as crowns, dentures, and bridges. For a complete listing of dental services covered, please see your policy.
VISION BENEFITS: After the Co-Pay is satisfied and subject to any applicable Waiting Periods, the policy will pay for vision exams, eyeglass lenses, frames and contact lenses. Please see your policy for more details on vision benefits.
HEARING BENEFITS: After the Policy Year Deductible is satisfied and subject to any applicable Waiting
Periods, the policy will pay for hearing exams, and hearing aids and repairs. Please see your policy for
more details on hearing benefits. Children under age 18 who are certified as deaf or hearing impaired by
a health care provider are also covered for cochlear implants and related treatment.
The Aflac dental policy is guaranteed renewable for your lifetime as long as you pay the premiums when they are due or within the grace period. We (Aflac) agree that the policy will never be restricted by the addition of any rider without your consent, except when such rider is mandated by law. We may change the premium we charge, but not specific to any one person. Any premium change will be made for all policies associated with this outline of coverage and premium classification in the state where the policy was issued that are then in force. We will also notify you in writing at your last known address, as shown in our records, at least 30 days before the change becomes effective.
Also available Aflac accident medical and medical supplement plans.
If you are looking for a low cost alternative to insurance, consider the Dental Access Plan which utilizes the Aetna Dental Access® network or the DenteMax Dental SavingsPlus plan or the Careington dental plans. These three dental plans provide discounts of 15 to 60% on your procedures.
Aflac Dental & Vision Features
- No waiting periods for preventative
- Decreasing deductible years one through three
- Annual maximums increase year one through three
- Freedom to keep your dentist
- Reduced costs for using in-network providers
- Preventative services, exams and cleanings paid 100% in network
- 12 month rate guarantee. After 12 months, your monthly cost may increase or decrease after a 30 day notice
- 30 Day satisfaction guarantee for both dental and vision
- Plan options with Dental, Vision and Hearing benefits
You will receive your ID cards and policy certificate in the mail within ten days. You can start using your plan on the effective date
Tier One Insurance Company
THE POLICY PROVIDES LIMITED BENEFITS
BENEFITS PROVIDED ARE SUPPLEMENTAL
AND NOT INTENDED TO COVER ALL MEDICAL EXPENSES
OUTLINE OF COVERAGE
Read Your Policy Carefully – This outline of coverage provides a very brief description of the important features of your policy. This is not the insurance contract and only the actual policy provisions will control. The policy itself sets forth in detail the rights and obligations of both you and your insurance company. It is, therefore, important that you READ YOUR POLICY CAREFULLY!
Terms and Conditions
In Arkansas, Policy T80000AR. In Oklahoma, Policy T80000OK. In Oregon, Policy T80000OR. In Texas, Policy T80000TX.
This is a brief product overview only. Coverage may not be available in all states including but not limited to ID, NY or VA. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policies and riders for benefit details, definitions, limitations and exclusions. For availability and costs, please contact your local Aflac agent/producer. The rates quoted are the current rates and are subject to change.
Coverage is underwritten by Tier One Insurance Company.
Aflac’s family of insurers include Aflac, Aflac New York, Continental American Insurance Company, and Tier One Insurance Company.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999.
Contact us with any questions you have about Aflac Dental Insurance.