Dental
Dental coverage that keeps your smile — and your budget — healthy.
From routine cleanings to major work, dental insurance can save you hundreds of dollars a year. We'll help you find a plan that actually pays out when you need it.
- Typical premium
- $15 – $60/month per person
- Waiting period
- Often none for preventive care
- Annual maximum
- Usually $1,000 – $2,500
- Enroll anytime
- No special window required
Overview
Whether you are over or under 65, we can support your dental care options.
Plans vary widely in what they cover (preventive vs. basic vs. major), waiting periods, and annual maximums. We'll translate the fine print so you know exactly what you're getting.
We work with both Medicare Advantage dental benefits and standalone dental carriers, depending on what makes the most sense for your situation.
A closer look at dental
What dental insurance is
Dental insurance is a separate policy from your medical plan that helps pay for preventive care (cleanings, exams, X-rays), basic procedures (fillings, extractions), and major work (crowns, bridges, dentures, root canals). Most plans follow a 100/80/50 design — covering 100% of preventive, 80% of basic, and 50% of major after a small deductible.
Where the gaps usually are
Original Medicare doesn't cover routine dental at all. Employer dental often disappears at retirement. ACA marketplace plans rarely include adult dental. That leaves most adults paying out of pocket — exactly where a standalone plan pays off.
What to actually compare
Premium is the easy part. The real differences between plans are waiting periods, annual maximums, network size, and what they classify as 'basic' vs 'major.' We translate the fine print so you don't enroll in a plan that won't actually pay when you need it.
How we help
A simple, no-pressure process from first call to lifelong support.
- 1
Tell us what you need
Are you due for a crown? Implants on the horizon? Just want cleanings covered? We start with how you actually use the dentist.
- 2
Verify your dentist's network
Before you enroll, we confirm your current dentist is in-network — or quote out-of-network coverage if you'd rather not switch.
- 3
Match the plan to the work
We pick a plan with a high enough annual maximum, the right waiting periods, and coverage on the procedures you actually expect.
- 4
Help when claims come in
If a claim is denied or coded wrong, call us — we'll work it out with the carrier so you don't have to.
What you get with our agency
- Plans with no waiting periods for preventive care
- Access to large nationwide dentist networks
- Honest review of annual maximums and exclusions
- Help coordinating dental with your Medicare or health plan
Frequently asked questions
Quick answers to what people most often ask about dental coverage.