Aflac Dental Insurance Review

Summary of Aflac's Coverage

Aflac dental insurance offers a choice of three plans that are intended to supplement your primary dental insurance. Aflac can help fill the holes between what your primary insurance pays for covered treatment (normally a percentage of your dental bills) and what you actually owe. You may pay less, compared with primary dental insurance premiums. But even Aflac's own sales representatives recommend you use their insurance for its intended purpose, to supplement your primary coverage. 

Pays You Directly

Aflac pays its customers directly for claims (unless otherwise assigned), rather than their dental care providers. Some customers may find this attractive. Being paid directly involves customers submitting claims directly, which many may not be accustomed to doing. But Aflac makes the claims process easy through its website and mobile app.

Freedom to Choose

Unlike some plans that limit you to a network of providers, with Aflac there are no network restrictions, so you can choose to use any dentist you wish for dental care. Aflac policies pay specific benefit amounts for covered treatments/procedures, as opposed to the percentages found in many dental plans.

No Precertification Required

Aflac offers a dental policy that can help with preventative care and major services, with no precertification requirements. If your policy offers a benefit for the treatment, you don’t need Aflac’s permission to receive it.

Ratings*

Aflac receives an A+ rating from both A.M. Best and the Better Business Bureau*. On Trustpilot, Aflac receives a 2.8 out 5 rating, but the rating is based on just a handful of reviews.

Who Should Consider Aflac?

Aflac’s policies may best suit the needs of customers who need help with co-payments or deductibles that are typically associated with primary insurance plans.

Disclaimer: 

*The ratings listed are provided for informational purposes only. All ratings are solely the opinions of the rating agencies. Neither insurer financial strength nor credit ratings are statements of fact nor are they recommendations to purchase, hold or sell any security, contract or policy. The ratings may be changed, superseded or withdrawn by the rating agencies at any time.

The content within this article has been provided by ConsumersAdvocate, based solely on ConsumersAdvocate's criteria. The Aflac information provided offers a brief product overview only. Coverage may not be available in all states. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies have limitations and exclusions that may affect benefits payable. Refer to the specified policy and rider forms for complete details, benefits, limitations, and exclusions. In Idaho, Policies A82100RID–A82400RID. In Oklahoma, Policies A82100ROK–A82400ROK. In Virginia, Policies A82100RVA–A82400RVA. For availability and costs, please contact your local Aflac agent. Coverage is underwritten by Aflac. In New York, coverage is underwritten by Aflac New York. WWHQ | 1932 Wynnton Road | Columbus, GA 31999.

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