Dental Insurance

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

get a free quote in minutes!

get a free quote in minutes!

Dental Insurance

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

Dental Insurance can be a good way to avoid paying fully out of pocket for a major dental procedure, such as a root canal.

While costs vary depending on where you live and your specific circumstances, expect to pay anywhere from $575 to $1,500 or more for a major procedure like a root canal.[1]

What Dental Insurance Usually Covers [2]

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

What Dental Insurance May 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

Have a specific coverage question?

Pros and Cons of Dental Insurance

  • 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 Insurance [3] full benefits without paying a significant amount out of pocket first.

Think Dental Insurance may be right for you?

How Dental Insurance Works

You pay a monthly premium to maintain your Dental Insurance.

Have more Dental Insurance questions?

What is Dental Insurance?

This type of supplemental insurance is designed to cover dental care expenses. Dental Insurance can be offered as part of a medical insurance policy, or as a stand-alone plan. Dental Insurance may be setup as an indemnity plan, a participating provider organization (PPO), or a health maintenance organization (HMO) plan.[4]Dental Insurance can help you pay for costs related to maintaining good oral health, which studies indicate can positively impact your overall health[5].

Is Dental Insurance ACA-compliant?

Who should get Dental Insurance?

Ready for help with your dental bills?

How Much Does Dental Insurance Cost?

How Much Does Dental Insurance Cost?

Dental Insurance is affordable. For example, a 41-year-old woman in Phoenix, Arizona, can get Dental Insurance for:

  • $28.13 - $43.11 monthly premium
  • $50 deductible
  • $0 - $20 copay
  • $1,000 - $1,500 annual limit[9]
How Much Does Dental Insurance Cost?

Ready To Apply For A Dental Insurance Plan?

Get a free quote!

Not Sure How to Get Started?

This website is operated by IHCSB Affinity, a division of IHC Specialty Benefits, Inc., 5353 Wayzata Blvd, Ste. 300, St. Louis Park, MN, 55416 (IHCSB), a licensed insurance agency. IHCSB is a technology-driven, full-service marketing and distribution company that focuses on small employer and individual consumer products through general agents, telebrokerage, advisor centers, and private-label arrangements. Contact may be made by an insurance agent/producer or insurance company. We offer plans from a number of insurance companies.”