AFLAC Dental Insurance – Grafton, ND

Learn More About the Benefits of AFLAC Dental Insurance

Your AFLAC dentist in Grafton knows that understanding your dental insurance benefits isn’t always easy. Rest assured, our experienced and thorough team is ready to help you review your policy and make sure you receive as much coverage as possible! AFLAC dental insurance plans in particular have unique terms that not many other providers offer. Learning more about your benefits will help you get the most out of your premium, and we can get you started with a brief (and simple) overview.

AFLAC Coverage Availability & Fees

Like most dental insurance plans, AFLAC coverage availability and fees will depend on two main factors: the terms outlined by your policy and the type of treatment you’ll be receiving during your office visit. Unlike many other plans, your AFLAC coverage terms become more favorable the longer you stay enrolled with the same policy! Let’s dive into the details.

AFLAC Coverage Terms

The two most important terms to know for any dental insurance policy are the deductible and annual maximum. Simply put, your deductible is the amount of money you’ll have to spend out of pocket before coverage for certain services will “kick in.” Your annual maximum, meanwhile, tells you how much money AFLAC will put towards covering your dental treatments in a given year.

What’s unique about AFLAC plans is that your deductible will decrease at the one, two, and three-year mark from your initial enrollment date. Your annual maximum will also increase with time. That means the longer you stick with your AFLAC dental insurance plan, the easier it will be to save money on care!

AFLAC Treatment Types

Dental insurance companies usually organize treatments into three different categories: preventive services, basic (or “minor”) services, and major services.

Preventive services include biannual checkups and cleanings, as well as periodic X-rays and dental sealants for children under 16. They typically don’t count towards your deductible and annual maximum, and are covered around 80% to 100%.

Basic services often mean fillings, nonsurgical extractions, and simple periodontal treatments. You can expect to receive around 60% to 70% coverage.

Major services involve more “complex” procedures such as root canals, bridges and dentures, and most oral surgery treatments. It’s common for dental insurance plans like AFLAC to provide 50% coverage or more.

Meet the Team  

Got questions? We have answers! Our team handles AFLAC dental insurance plans on a regular basis, meaning we’re very familiar with how they work. Please don’t hesitate to ask one of us for help if you’re having trouble understanding your benefits. We’ll make sure you know what sort of coverage to expect!