Dental Insurance
Good oral care is a key step in maintaining your overall health. But dental care can be expensive. Cleaning and X-rays could strain your budget – if a checkup reveals more serious issues, the costs could add up quickly.

Dental Plan Highlights

Deductible that decreases over time

• Policy Year 1: $75/person

• Policy Year 2: $50/person

• Policy Year 3: $25/person

No waiting period for preventive dental care
Annual maximum benefit increases over time
Plans available with vision and hearing services
Reduced costs for using in-network providers

What does Dental Insurance cover?

Preventative and Diagnostic Services

• Routine exams and cleanings (2x per year)

• Bitewing X-rays (1x per year)

• Full-mouth X-rays (1x every 3 years)

• Sealants for children under 16

Basic Services

• Fillings (amalgam and composite)

• Emergency palliative care

• Simple extractions

• Basic oral surgery

• Non-surgical periodontal services

Major Services

• Inlays, onlays, crowns, bridges, and dentures

• Oral surgery and anesthesia

• Major restorative services

• Endodontics and surgical periodontics

• Prosthodontic installation and repairs

• Occlusal guards

Do I Need Dental Insurance?
While dental insurance isn’t required, it’s often a good idea. This is particularly true if you don’t have the cash to pay for various dental treatments up front. Without a policy, you may forgo oral health care and face serious and costly dental issues in the future. Having supplemental insurance for dental needs can incentivize you to be proactive in keeping your teeth, gums, and mouth healthy.

Disclaimer
Coverage is underwritten by American Family Life Assurance Company of Columbus.
In New York, coverage is underwritten by American Family Life Assurance Company of New York.
Policies may not be available in all states.
Limitations and exclusions apply.
The policy has limitations and exclusions that may affect benefits payable.
Refer to the policy for complete details, definitions, limitations, and exclusions.