FREE SHIPPING OVER $50
Aflac Dental Insurance Review for 2024
If you are looking for a dental insurance plan that can help you save money on your oral care and treatments, you might want to consider Aflac dental insurance. Aflac dental insurance is a supplemental plan that can cover some of the costs that your primary dental insurance may not.
In this article, we will review Aflac dental insurance and its features, benefits, limitations, and costs. We will also share some customer reviews and help you decide if it is worth it for you.
| Pros | Cons |
|---|---|
| Saving Money on Out-of-Pocket Expenses | Not Comprehensive Coverage |
| Coverage for Preventive Services | Exclusion of Pre-existing Conditions |
| Early Detection and Treatment | Waiting Periods |
| Overall Health Improvement | Annual Maximums |
| Enhanced Appearance and Confidence | Exclusions and Limitations |
| Access to Quality Care | |
| Quick and Easy Benefits Access |
What is Aflac Dental Insurance
Aflac dental insurance is a type of supplemental insurance policy for your teeth, gums, and mouth. It helps lower the cost you spend on preventive care and certain treatments, such as fillings, crowns, bridges, implants, root canals, and more.
Aflac dental insurance is not a major medical insurance plan. It does not cover everything that your primary dental insurance may cover, such as orthodontics, cosmetic dentistry, or pre-existing conditions. It is meant to complement your primary dental insurance and fill the gaps in coverage.
How does Aflac Dental Insurance Work
Aflac dental insurance works by paying benefits directly to you or your provider, depending on your preference. You can choose any dentist you want and receive benefits for covered services. You may also pay less if you use an in-network provider from Aflac’s network of over 400,000 dentists nationwide.
Aflac dental insurance has three plans: Basic, Standard, and Premier. Each plan has different deductibles, annual maximums, and coverage levels for various services. The deductibles decrease over time, while the annual maximums and coverage levels increase.
Plans
Here is a summary of the three plans:
| Plan | Deductible | Annual Maximum | Preventive Services | Basic Services | Major Services |
|---|---|---|---|---|---|
| Basic | $75/person in year 1; $50/person in year 2; $25/person in year 3+ | $500/person in year 1; $750/person in year 2; $1,000/person in year 3+ | 100% covered with no waiting period | 50% covered after 6-month waiting period | Not covered |
| Standard | $50/person in year 1; $25/person in year 2; $0/person in year 3+ | $750/person in year 1; $1,000/person in year 2; $1,250/person in year 3+ | 100% covered with no waiting period | 80% covered after 6-month waiting period | 50% covered after 12-month waiting period |
| Premier | $25/person in year 1; $0/person in year 2+ | $1,000/person in year 1; $1,250/person in year 2; $1,500/person in year 3+ | 100% covered with no waiting period | 80% covered after 6-month waiting period | 50% covered after 12-month waiting period |
Source: https://www.aflac.com/individuals/startquote.aspx
You can also add vision and hearing services to your plan for an additional cost. These services include eye exams, glasses, contacts, hearing exams, hearing aids, and more.
Pros and Cons
Pros
Some of the benefits of Aflac dental insurance are:
- It can help you save money on your out-of-pocket expenses for dental care and treatments.
- It can help you maintain good oral health by covering preventive services such as exams, cleanings, and x-rays.
- It can help you avoid or reduce the need for more expensive procedures by detecting and treating problems early.
- It can help you improve your overall health by preventing or treating oral infections that can affect other parts of your body.
- It can help you enhance your appearance and confidence by restoring or improving your smile.
- It can help you access quality care from a large network of dentists or any dentist of your choice.
- It can help you receive benefits quickly and easily without any claim forms or network restrictions.
Cons
Some of the limitations of Aflac dental insurance are:
- It does not cover everything that your primary dental insurance may cover. You may still have to pay for some services or procedures that are not included in your plan.
- It does not cover pre-existing conditions that were diagnosed or treated before your effective date. You may have to wait for a certain period before receiving benefits for these conditions.
- It has waiting periods for some services or procedures. You may have to wait for six months or twelve months before receiving benefits for basic or major services.
- It has annual maximums for each plan. You may have to pay for any costs that exceed your annual maximum benefit amount.
- It has exclusions and limitations that may affect your benefits. You may not receive benefits for services that are not recommended by a dentist, not required for the preservation or restoration of oral health, or not shown on the schedule of dental procedures.
Cost of Aflac Dental Insurance
The cost of Aflac dental insurance depends on several factors, such as the plan you choose, the number of people you enroll, your age, your location, and your payment frequency. You can get a quote online by visiting Aflac’s website and entering some basic information.
To give you an idea, here are some sample monthly rates for a single person in Texas:
| Plan | Basic | Standard | Premier |
|---|---|---|---|
| Without vision and hearing | $15.75 | $21.00 | $26.25 |
| With vision and hearing | $23.25 | $28.50 | $33.75 |
These rates are for illustrative purposes only and may vary depending on your specific situation. You should contact Aflac or an agent for an accurate quote.
Is Aflac Dental Insurance Worth It
Aflac dental insurance may be worth it if you are looking for a supplemental plan that can help you lower the cost of your oral care and treatments. It may be especially worth it if you have a primary dental insurance that does not cover everything you need, or if you do not have any dental insurance at all.
However, Aflac dental insurance may not be worth it if you already have a comprehensive primary dental insurance that covers most of your needs, or if you rarely need any dental services or procedures. It may also not be worth it if you find the premiums, deductibles, annual maximums, waiting periods, or exclusions too high or restrictive.
Ultimately, the decision to get Aflac dental insurance depends on your personal preferences, needs, and budget. You should compare different plans and options and weigh the pros and cons before making a choice.
If you enjoyed this blog post you can explore more health insurance reviews for your friends and family like:
- United Dental Insurance Review for 2024
- Humana Dental Insurance Review for 2024
- Anthem Dental Insurance Review for 2024
- Cigna Dental Insurance Review for 2024
- Bluecross Blueshield of Texas Health Insurance Review for 2024
- Bluecross Blueshield of Illinois Health Insurance Review for 2024
- Aetna Dental Insurance Review 2024: Is it Worth It?
- A Comprehensive Review of Ambetter Health Insurance for 2024
