Looking for affordable dental insurance?

What is dental insurance?

Dental insurance is a type of insurance plan that covers a portion of the costs of your dental care. Dental insurance can cover treatments from annual cleanings and minor oral health fixes to big-dollar dental claims for crowns and bridges.

What does dental insurance cover?

Dental policies typically include benefits for 3 types of care:

• Preventive care: Routine checkups, cleanings, x-rays, sealants
• Basic care: Fillings, root canals, periodontal treatment
• Major care: Crowns, bridges, inlays, dentures

How do I sign up for dental insurance?

Wondering where to buy dental insurance? The good news is you don’t have to go too far: You can quickly and easily compare dental plans through AgileHealthInsurance. Just submit your ZIP code, birthday, and gender to get instant dental plan quotes in your area.

Who is dental insurance good for?

The short answer is: Everyone. But it’s important to know that you don’t need a job to have dental insurance. Whether you need a longer-term dental plan or short-term dental insurance option to fill gaps in coverage, know that you have plenty of flexible options to choose from.

You can buy an individual dental plan, which works for a variety of scenarios including

• You’ve lost your job or are in between jobs.
• You missed the annual open enrollment period through your employer.
• You’re on Medicare but don’t have a dental plan.
• You’re a student or recent graduate.
• You’re a freelancer or part-time worker without dental benefits.
• You do not have access to a group dental plan, but you want coverage.

You may be tempted to skip getting dental insurance, but the costs are well worth it.

Your dentist might see a small cavity that hasn’t become a nuisance quite yet, or spot the early stages of gum disease in your mouth. When dental problems are treated early on, they tend to be easier - and less expensive - to fix. That’s good for your smile and your wallet.

What is AgileHealthInsurance?

AgileHealthInsurance is a trusted, reliable resource to find and compare individual and family plans online. We offer a wide variety of health insurance solutions including temporary health insurance plans, hospital indemnity plans, dental insurance plans, cancer insurance plans, and telemedicine services.

We partner with some of the top health insurance companies to give you the tools to get instant health insurance quotes and plan comparisons, so that you can find the best health insurance plans for you and your family.

Learn more about AgileHealthInsurance.

Dental Insurance Frequently Asked Questions

How does dental insurance work?

Dental insurance is available as a standalone policy. Depending on your dental plan, you may have deductibles, coinsurance, copayment, and provider network restrictions. Your dental insurance policy’s benefits, limitations, and exclusions details should clearly specify your out-of-pocket costs and what procedures and services are covered.

What are the different types of dental insurance?

There are 3 different types of dental insurance:

1. Preferred Provider Organization or PPO dental plans offer a network of preferred providers that lower your out-of-pocket costs. These plans usually have a deductible, an annual maximum benefit, and require you to pay a percentage of the dental services, known as coinsurance.
2. DMO dental plans require you to choose a dentist within your plan’s network and pay a flat copay for your basic dental services.
3. Indemnity dental plans, also known as fee-for-service plans, allow you to see any dentist and reimburse you for the covered dental services in your dental policy. Like PPO plans, these plans usually have a deductible, coinsurance, an annual maximum benefit and allow you to see any dentist of your choice.

What does dental insurance cover?

Dental insurance coverage varies from policy to policy. In general, most dental plans cover 100% of preventive care services (cleanings and routine exams), 80% of basic procedures (root canals and fillings), and 50% of major procedures (implants and crowns).

What's the difference between dental insurance and dental discount plans?

Is dental insurance worth it?

Here are 3 reasons to buy dental insurance:

1. Dental insurance can prevent serious dental problems. You can catch problems early on before they require extensive, costly procedures. Diagnostic and preventive dental services are usually affordable and often completely covered by your dental plan.
2. Dental insurance can lower your out-of-pocket costs. Dental care services can be expensive - especially without insurance. According to the U.S. Bureau of Labor Statistics, dental service costs increased by 90% over the past decade. A dental insurance plan helps cover part of that cost.
3. Dental insurance can improve your overall health. Dental infections are known to cause or complicate existing conditions such as heart disease and diabetes. Taking care of your oral health can improve your overall health.

How can I get dental insurance?

While the Affordable Care Act’s Health Insurance Marketplace offers dental coverage plans, they can only be purchased along with your health insurance plan during the yearly open enrollment period.

You can apply for an individual dental insurance plan outside of the open enrollment period through dental insurance carries. Or you can easily find, compare and purchase dental plans through sites like AgileHealthInsurance.

Can you get dental insurance anytime?

Yes, you can get dental insurance any time. There is no open enrollment period like there is for health insurance, so you can buy dental insurance any time of the year. Coverage typically starts within days of submitting your application.

Note: There may be a waiting period for major services, so it’s smart to review the dental plan policy to confirm the waiting and coverage periods.

Can I add dental insurance after open enrollment?

You cannot add dental coverage via the ACA marketplace after open enrollment.

Instead, you’d have to wait until the following year’s open enrollment period to find a dental plan. The good news is you buy get dental insurance online year-round through dental insurance carriers and websites like AgileHealthInsurance.

Can I get dental insurance without a job?

Yes. You don’t need a job to have dental insurance. Not all employers offer dental insurance, but you can easily buy an individual dental insurance plan for yourself.

College students can also find good dental insurance plans as temporary solutions to keep their oral hygiene in check. If you’re a college student shopping for a dental insurance plan, check to make sure your individual plan meets your school’s insurance requirements. You should also ensure you can use your dental plan in the state where your school is located and your home state - to cover you during school breaks.

Where can I buy dental insurance?

You can find and compare dental insurance plans through AgileHealthInsurance.com. You can also get dental insurance plans through the Health Insurance Marketplace, but they must be purchased along with your health plan during the yearly open enrollment period.