Group Supplemental Dental Insurance | Aflac

Group Supplemental Dental Insurance | Aflac
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Group Supplemental Dental Insurance

Helps you pay for out-of-pocket expenses.
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Here's what you need to know

Aflac's Group Supplemental Dental Insurance provides benefits for periodic checkups and cleanings, X-rays, fillings, crowns, and much more. As a new hire, you can enroll within 30 days of your benefits eligible date.

 

It's your smile and your plan; Aflac's Group Supplemental Dental Insurance gives you control.

 

  • You choose your dentist. Because Aflac doesn't use a network of dentists, you can go to any dentist you choose.
  • You and your dentist choose the best treatment for you. Aflac's GroupSupplemental Dental Insurance doesn't have precertification requirements. If the treatment is covered by your plan, you don't need Aflac's permission to receive it.

Aflac's Group Supplemental Dental Insurance is different from many other dental plans you may have seen.

 

  • You know what you're getting with Aflac's Group Supplemental Dental Insurance. The plan spells out the benefits for both wellness and other diagnostic/treatment services. There are no gray areas. Each covered procedure has a specific benefit amount.
  • Aflac's Group Supplemental Dental Insurance doesn't have an annual deductible. Other dental plans may require you to meet an annual deductible before benefits are payable.
  • Aflac's Group Supplemental Dental Insurance pays benefits regardless of any other plan. Even if you have other coverage, you'll receive your full Aflac benefit amount.

These are the periods when you are eligible to enroll for Aflac's Group Supplemental Dental Insurance:

 

  1. Within your new hire enrollment period
  2. If you have a qualifying life event (you get married, have a baby, etc.)
  3. During your employer’s annual enrollment

 

Check with your employer’s human resources/benefits team for specifics about these timeframes.

 

Keep in mind: If you enroll during these timeframes, you have what is called "guaranteed issue," which means you may qualify for coverage without answering health questions. You must have coverage in place before a covered dental exam or procedure happens in order to be eligible to collect the benefit when you need it. Please note some benefits have a waiting period before benefits may be payable.

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

 

Dental Plan

How It Works

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You enroll in coverage 

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After coverage is in effect, you have a dentist appointment and file a claim

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Aflac Group Supplemental Dental Insurance pays benefits directly to you (unless otherwise assigned)

You have an unexpected dental issue and need a certain treatment.

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Aflac Group Supplemental Dental Insurance pays benefits directly to you (unless otherwise assigned) for a dental wellness procedure and X-rays at the dentist appointment.

Frequently Asked Questions

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  • Who is Aflac?

    Aflac

     

    Aflac helps provide financial protection and peace of mind to millions of insureds in the U.S. and Japan – allowing customers to focus more on recovery, not financial stress. When an insured gets sick or hurt, Aflac pays cash benefits fairly and promptly directly to the insured (unless otherwise assigned).

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  • When is a benefit paid under the plan?
    Once your coverage is effective, you’ll receive benefits for dentist appointments. These benefits vary by state and may have other limitations and exclusions that may affect what’s payable. Refer to the plan documents for complete details.
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  • Who in my family is eligible for this program?

    Members of your family who are considered eligible to enroll for coverage include:

    • You – if you are an active employee working 16+ hours per week
    • Your legal spouse - age 18 and older
    • Your child(ren) – under age 26 

     

    You must be enrolled in coverage for eligible members of your family to also enroll. 

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  • How much does coverage cost?
    This is group insurance offered at group rates. Refer to the plan documents for complete details. 
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  • Do I have to answer health questions or take a medical exam?
    No, you don’t! If you enroll during your eligible enrollment periods, you have "guaranteed issue," which means you may qualify for coverage without answering health questions.
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  • What if my employee status changes?
    Good news! If you leave or retire from your current employer, you can continue your coverage without interruption (subject to applicable law and the plan’s terms and conditions). Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply. 

Are you ready To Enroll?

Act now to put Aflac's Group Supplemental Dental Insurance in place to help offset expenses.
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Do You Need Help?

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Phone Number: 1-800-000-0000

 

 

 

 

  • Legal Disclaimers

    Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. The plans have limitations and exclusions that may affect benefits payable. Refer to the plans for complete details, limitations, and exclusions. Columbia, South Carolina. 

    AGC2200403R2

    EXP 2/25

  • Mercer's Role & Compensation
    View details of Mercer's disclosure of compensation