Dental insurance worth smiling about.
From free cleanings to the root canal nobody plans for. Preventive care is typically covered 100%, and the right plan makes major work affordable instead of a credit card emergency.
At a glance
- Preventive covered 100%: cleanings, exams, X-rays, usually with no waiting period.
- Basic work covered 70-80%: fillings, extractions, periodontal treatment.
- Major work covered 50-70%: crowns, bridges, dentures, root canals.
- Nationwide networks, no referrals needed, and family plans available.
How dental plans actually work
Preventive (cleanings, exams, X-rays) is typically free. Basic procedures (fillings, extractions) are commonly covered 70 to 80 percent. Major work (crowns, root canals, dentures) is commonly covered 50 to 70 percent.
Plans pay up to a yearly maximum, and richer plans carry higher maximums and lower deductibles. We match the maximum to the work you actually expect.
Preventive care usually starts immediately, basic work commonly waits 6 months, and major work commonly waits 12 months. If you know a crown is coming, tell us: plan choice changes.
In-network dentists bill the plan directly. Out of network, you submit the receipt through the member portal for reimbursement.
Your health plan stops at your teeth
Medical insurance does not cover dental care for adults. Skip coverage and a single crown or root canal lands entirely on you, which is exactly how dental problems get postponed until they become bigger dental problems.
With two free cleanings a year, a dental plan quietly pays for its habit of catching things early.
The everyday half of your bundle
Dental and vision are the pieces of the bundle you actually use every year, wrapped around the health plan:
Guardianand other leading dental carriersQuick answers
Is there a waiting period?
Usually not for preventive care: cleanings and exams typically start right away. Basic procedures commonly carry a 6-month wait and major work a 12-month wait, which is why it pays to enroll before you need the big repair.
Can I keep my dentist?
Most plans use broad nationwide networks, and many cover out-of-network care at reimbursement rates. Tell us who your dentist is and we check before you enroll.
Does dental come bundled with my health plan?
Adult dental usually is not part of medical coverage, which is why we quote it alongside your health plan as one bundle with one renewal date to think about.
When can I enroll?
Almost any time. Dental plans are not limited to the marketplace open enrollment window.
Ready when you are
Tell us three things and a licensed advisor will call with your real options, at your real price. No pressure, no obligation, and we make sure you're covered before we enroll you in anything.
Get your dental quote
A licensed agent will call with your best options. No obligation.