Preventive Care
Preventive benefits may include routine exams, cleanings, and certain diagnostic services.
Individual & family dental coverage
Dental Insurance without the guesswork.
Compare dental coverage based on the things that matter, including preventive care, provider networks, waiting periods, annual maximums, and overall plan costs.
Dental coverage basics
How does dental insurance work?
Dental insurance is designed to help reduce the cost of certain dental services. Depending on the plan, coverage may include preventive services such as exams and cleanings as well as basic and major dental procedures.
Unlike major medical insurance, dental plans often use annual benefit maximums. This means the plan may pay benefits up to a certain amount during the plan year.
Plan designs vary, so it is important to look beyond the monthly premium and understand how the benefits actually work.
What's covered
What types of dental services may be covered?
Dental plans often group services into categories. Coverage levels, waiting periods, and cost sharing can vary by plan.
Basic Services
Basic services may include fillings, simple extractions, and certain other common dental procedures.
Major Services
Major services may include crowns, bridges, dentures, root canals, or other more extensive dental treatment, depending on the plan.
Provider Networks
Some dental plans use networks of participating dentists. Using an in-network provider may affect the amount you pay.
Annual Maximum
Many dental plans limit the amount the insurance plan will pay toward covered services during the plan year.
Waiting Periods
Some plans require you to be enrolled for a certain amount of time before benefits are available for specific services.
Comparing dental plans
What should you look for in a dental insurance plan?
The right dental plan depends on the care you expect to use, whether you have a preferred dentist, and how much protection you want for larger dental expenses.
- Monthly premium
- Deductible
- Preventive care coverage
- Coverage for basic and major services
- Annual benefit maximum
- Waiting periods
- Provider network
- Orthodontic benefits, when available
- Plan exclusions and limitations
Your dentist matters
Can you keep your current dentist?
That depends on the dental plan and whether your dentist participates in the plan's provider network.
Some plans allow you to use dentists outside of the network, but your out-of-pocket costs may be different.
If keeping a specific dentist is important to you, provider participation should be checked before you enroll.
Dental & vision options
Need vision coverage too?
Vision coverage may also be available alongside your dental coverage. Depending on the plan, vision benefits may help with routine eye exams, glasses, contact lenses, and other covered vision services.
If you're looking for both dental and vision coverage, we can help you review available options together.
How we help
Compare dental insurance based on more than price.
We help you compare available dental coverage based on benefits, provider access, plan limits, and the care you expect to use.
- Compare individual and family dental options
- Review preventive, basic, and major service benefits
- Check provider network information
- Review annual maximums
- Understand waiting periods
- Compare premiums and deductibles
- Review plan limitations and exclusions
Frequently asked questions
Dental Insurance FAQs
Does dental insurance cover cleanings?
Many dental plans include benefits for routine preventive care such as exams and cleanings. Coverage details vary by plan.
Does dental insurance cover crowns and root canals?
Some plans include coverage for major dental services such as crowns and root canals. Cost sharing, waiting periods, and annual maximums can affect how much the plan pays.
What is a dental insurance annual maximum?
An annual maximum is the maximum amount the dental plan may pay toward covered services during a plan year.
Do dental plans have waiting periods?
Some plans do. A waiting period may require you to be enrolled for a certain amount of time before benefits are available for specific services.
Can I buy dental insurance without health insurance?
Standalone dental insurance may be available separately from medical coverage, depending on the carrier, plan, and location.
Can dental and vision coverage be purchased together?
Dental and vision benefits may be available together or as separate coverage, depending on the carrier and plan options available in your area.
Can Health Accident Life help me compare dental plans?
Yes. We can help you compare available dental insurance options based on plan features, costs, provider access, and benefit limits.
Looking for dental coverage?
Tell us what matters most to you, including your preferred dentist, expected dental needs, and budget. An advisor will go over available coverage options based on your situation.
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