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Dental Insurance

Good oral health is important for your overall health – dental insurance can help!

Get a Free Dental Insurance Quote in Minutes!
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Get a Free Dental Insurance Quote in Minutes!

Good oral health is important for your overall health – dental insurance can help!

What Does Dental Insurance Cover?

Dental plans typically cover four categories of services: preventive, diagnostic, basic and major care.

The list below includes examples and is not a complete list of coverages, exclusions and limitations.

Individual plans vary, so you’ll want to read the plan details closely to validate the coverage and benefits you’ve selected and limitations and exclusions that apply.

What Dental Insurance Covers

  • Cleanings + checkups
  • Extractions
  • X-ray
  • Fillings
  • Crowns, bridges + root canals

What Dental Insurance Does Not Cover

  • Anything after the plan’s annual maximum benefit amount has been reached
  • Elective cosmetic procedures (e.g., tooth-whitening)
  • Orthodontics (e.g., braces)
  • Implants
  • Prosthodontics (dental prostheses)
  • Oral care related to a medical condition (e.g., TMJ)
  • Prescription drugs + analgesia pre-medication

Dental Coverage is an ACA-Mandated Essential Health Benefit for Kids

  • Guaranteed issue – All applicants aged 18 to 99 are accepted regardless of health history (however, rates are based on age and location).
  • Covers pre-existing conditions – With the exception of missing teeth in some cases.
  • Apply year-round – There is no official open enrollment period and, in most cases, coverage begins the next day after you enroll online.
  • Flexibility – An indemnity plan affords you more provider options. A PPO plan can help lower your out-of-pocket expenses by using an in-network provider. Either way, it’s your choice.
  • Options for every budget – Varying amounts of coverage range from 50% to 100%, which means you can find a plan with the level of coverage you need at the right monthly premium rate for your budget.
  • Low deductibles – With annual deductibles generally around $50, most people will be able to access their dental plan’s full benefits without paying a significant amount out-of-pocket first.

Find Answers to Dental Insurance Questions

What is dental insurance? open What is dental insurance?
Are dental plans ACA-compliant? open Are dental plans ACA-compliant?
Who should get dental insurance? open Who should get dental insurance?
How much does dental insurance cost? open How much does dental insurance cost?
What does dental insurance cover? open What does dental insurance cover?
How does dental insurance work? open How does dental insurance work?
Do I need my dental treatment to be pre-authorized by the insurance company? open Do I need my dental treatment to be pre-authorized by the insurance company?
Will dental insurance cover services only for in-network providers? open Will dental insurance cover services only for in-network providers?
Is there an annual or lifetime maximum limit to the dental insurance policy? open Is there an annual or lifetime maximum limit to the dental insurance policy?
Will my dental insurance benefits be paid to me? open Will my dental insurance benefits be paid to me?
When can you get a dental plan? open When can you get a dental plan?

Dental Insurance Resources

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How Does Dental Insurance Work?
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What is the Best Dental Insurance?
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Family Dental Insurance for Kids and Adults
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Dental Insurance for Seniors
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How Much Does a Dental Cleaning Cost Without Insurance?
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NewsNews
Common Dental Procedures – Cost + Insurance Coverage
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Have Questions? Speak to an Agent

Speak to a licensed health insurance agent during business hours for help understanding your options and enrolling in coverage.