Are You Ready to Compare Dental Insurance Plans?
We Have Agents Ready To Take Your Call. Call Us NowRequest a Free QuoteDental Insurance Plans That Keep You Smiling
Dental Insurance Plans make cleanings, fillings, and bigger dental work easier to afford. Our licensed agents compare plans from UnitedHealthcare, Cigna, Aetna, Aflac, and more. That way, you get coverage that fits your smile and your budget.
- Preventive care often covered at or near 100%
- Waiting periods and annual maximums compared side by side
- Individual and family plans you can buy year-round
🤝 Trusted Dental Carriers We Work With
Compare dental plans from carriers known for strong networks and fair benefits. Then choose the coverage that fits your smile.
Carrier and plan availability vary by state. Call 888-730-6031 to see what’s available where you live.
🦷 How Dental Insurance Plans Work
Dental Insurance Plans share the cost of your dental care in exchange for a monthly premium. Most plans pay the most for preventive care and a bit less for basic work. Major work is usually covered at a lower rate, and each plan has a yearly maximum.
Using your benefits wisely keeps more money in your pocket. So our licensed agents explain your plan in plain language. Call 888-730-6031 to compare dental plans at no cost.
🪜 How to Use Your Plan
In-network dentists charge lower, pre-set prices for covered care.
Preventive visits are often covered at or near 100%.
Before big work, ask your dentist for a pre-treatment estimate.
When it makes sense, spread large treatments across plan years.
💡 Who Benefits Most
- 👪 Families with kids who need regular cleanings
- 💼 Self-employed workers without job-based dental
- 🧓 Retirees, since Original Medicare skips routine dental
- 😬 Anyone expecting fillings, crowns, or root canals
🧭 How Coverage Levels Usually Work
Cleanings, exams, and X-rays, often covered at or near 100%.
Fillings and simple extractions, often covered around 80%.
Crowns, bridges, and root canals, often covered around 50%.
⭐ Why Work With Vivna
Dental plans differ in waiting periods, networks, and yearly maximums. Therefore, comparing them side by side matters. A licensed agent shows you what each plan pays and when. Best of all, our help is free.
Learn more in our dental and vision guide and on our dental FAQ page. You can also add vision coverage or call 888-730-6031.
🦷 Compare Dental Plans From Our Four Carriers
Each carrier handles waiting periods and yearly maximums differently. So, use this side-by-side view to narrow your choices before you call.
| Carrier | Plans | Waiting periods | Yearly maximum | Worth knowing |
|---|---|---|---|---|
| UnitedHealthcare | DentalWise and DentalWise Max | None, except implants (12 months) | $1,000 to $3,000 | Major care pays 15% in year one, then 50% |
| Cigna | Dental 1000, Dental 1500, bundles and Advance plans | Basic 6 months, major 12 months on most plans; can be waived with prior coverage | $1,000 to $3,000 | Dental 1500 covers orthodontia for all ages after 12 months |
| Aetna | Dental Direct Core, Preferred and Preferred 2000 PPO, plus a DMO | Can apply to basic and major care; waived with dental coverage within 90 days | $1,000 to $2,000; no maximum on the DMO | Over 600,000 PPO dentist locations |
| Aflac | Standard, Advantage and Premier | Basic none on Advantage and Premier; major 6 months | $1,500 to $5,000 | Vision and hearing discounts included |
Want the details? Read our guides to United Healthcare dental insurance and dentists that accept United Healthcare. Plans vary by state, so pick your state on the map below, or see dental and vision insurance in California. Questions? Call 888-730-6031 for free help from a licensed agent.
Sources: carrier brochures and plan pages. UnitedHealthcare DentalWise, DentalWise Max and VisionWise plans are underwritten by Golden Rule Insurance Company. Aflac dental plans are underwritten by Tier One Insurance Company. Vivna Insurance is an independent broker, not the carrier. Benefits and availability vary by plan, state and ZIP code.
🗺️ Find Coverage in Your State
Dental Insurance Plans work best alongside the right health plan for your state. So click your state to see local coverage options, enrollment dates, and savings.
📍 Browse All State Guides
Alabama Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington, D.C. West Virginia Wisconsin Wyoming
Not sure which plan fits? A licensed agent can compare options in your state at no cost. Call 888-730-6031 today.
❓ Dental Insurance Plans FAQs
Dental Insurance Plans help you keep up with cleanings and budget for bigger work. Below, our licensed agents answer the questions we hear most about coverage, waiting periods, costs, and carriers.
🦷 Coverage & Benefits
What do dental insurance plans usually cover?
Generally, most plans follow a simple pattern called 100-80-50. Preventive care, such as cleanings and X-rays, is often covered at or near 100%. Meanwhile, basic work like fillings may be covered around 80%. Finally, major work, such as crowns or root canals, is often closer to 50%. To compare benefits, read our dental and vision guide and key factors for choosing a plan.
Do dental plans have waiting periods?
Many do, especially for basic and major services. For example, fillings may wait about six months, while crowns may wait up to a year. Preventive care, however, often starts right away. Some carriers also waive waiting periods if you had recent dental coverage. So ask an agent before you assume a procedure is covered. Our dental FAQ page also covers more timing questions.
What is an annual maximum on dental insurance plans?
An annual maximum is the most your plan pays for care in a benefit year. For example, many individual plans set this limit between $1,000 and $2,000. After you reach it, you pay the rest yourself. Because of that, splitting large treatments across two plan years can save money. Also, review key factors in choosing dental coverage before you buy.
🪥 Buying, Dentists & Orthodontics
Can I buy dental coverage without a job or health plan?
Yes. You can buy an individual dental plan on its own, and many plans accept applications year-round. Alternatively, you can add dental coverage with a marketplace plan during open enrollment. As a result, self-employed workers and retirees often choose stand-alone plans. If you also need medical coverage, see our health insurance page. Also, read this guide for people without employer coverage.
Can I choose any dentist?
It depends on the plan type. A dental PPO lets you visit any dentist, but in-network dentists cost less. On the other hand, a DHMO usually requires an in-network dentist and may need referrals. Before you enroll, confirm your current dentist is in the network. Our guide on how to find an in-network dentist shows each step. Also, learn how networks affect your costs.
Do dental plans cover braces or cosmetic work?
Generally, cosmetic treatments, such as whitening and veneers, are rarely covered. Orthodontics varies, however, and many plans limit braces to children under 19. Some plans add adult orthodontics for a higher premium and a separate lifetime maximum. So if braces matter to you, ask about them first. For family needs, see our guide to coverage for kids.
💲 Carriers & Costs
Which dental insurance companies does Vivna offer?
Our agents compare dental plans from UnitedHealthcare, Cigna, Aetna and Aflac. However, each carrier offers different networks, waiting periods, and maximums. For a closer look, review UnitedHealthcare plan options and the UnitedHealthcare provider network. Then, compare bundled coverage on our dental and vision page.
Are dental insurance plans worth the cost?
For most people, yes. After all, two cleanings, exams, and X-rays can cost several hundred dollars without coverage. Meanwhile, many individual plans cost roughly $20 to $50 a month. Coverage also softens the cost of a surprise filling or crown. So call 888-730-6031 or request a free quote online to compare plans today. You can also add vision coverage for your eyes.
Answers are general, and plan details vary by carrier and state. Call 888-730-6031 to confirm your options.
📚 Dental Insurance Tips & Guides
Coverage decisions are easier when you know the basics. So our licensed agents write these guides to explain your options, costs, and enrollment. Then, if a question comes up after reading, call 888-730-6031 anytime.
📚 More Dental Insurance Guides
🧩 Related Coverage & FAQs
📞 Start Your Free Quote With a Licensed Agent
Have questions about health, dental, vision, life, or supplemental coverage? Our licensed agents compare your options, and our help costs you nothing. So start your quote below, or call 888-730-6031 to talk with an agent today.
📝 Request Your Free Quote
"*" indicates required fields
🔒 Your Privacy and Trusted Resources
By requesting a quote you agree to our Privacy Policy and Terms of Service. Prefer email? Visit our contact page.
For additional information about health, dental, and vision care, you can explore trusted health resources such as the National Institutes of Health (NIH) and the Centers for Disease Control and Prevention (CDC).
Vivna Insurance helps individuals and families compare coverage options, including Supplemental Insurance, to support a well-rounded insurance strategy. To explore all coverage options and resources, visit the Vivna Insurance home page or browse the latest guides in the Vivna Insurance Blog.
