Is AFLAC Dental Insurance Legit? A Consumer’s Guide

Aflac, a famous insurance company known for supplemental products, also offers dental insurance plans. But with so many dental insurance options out there, is Aflac a strong competitor?

Let’s dive into Aflac dental insurance’s legitimacy, looking at its background, what it offers, and its pros and cons. This will help you figure out if it suits your needs.


Is Aflac Dental Insurance Legit?

Aflac dental insurance is a legitimate supplemental insurance option, backed by a financially stable company. However, it’s not a one-size-fits-all solution.

Consider your dental needs, budget, and preferences before deciding if Aflac is right for you.

By comparing plans, understanding the pros and cons, and carefully reviewing the details of your chosen plan, you can make an informed decision about whether Aflac dental insurance fits your dental care needs.

Background of Aflac Dental Insurance

American Family Life Assurance Company (Aflac) was founded in 1955 and has established itself as a leading provider of supplemental insurance products in the United States.

They focus on offering additional coverage beyond traditional health insurance, including accident, critical illness, and cancer insurance.

Their dental insurance plans fall into this category, providing supplemental coverage to existing dental plans or acting as a standalone option for those without primary dental insurance.

Aflac boasts an A+ financial strength rating from A.M. Best, a leading insurance industry credit rating agency.

This rating signifies Aflac’s strong financial stability and its ability to meet its financial obligations to policyholders.

However, it’s important to note that Aflac itself doesn’t directly underwrite dental insurance policies.

Instead, they partner with various insurance carriers across the country to offer these plans.

The specific features and details of your Aflac dental plan will depend on the partnering carrier in your region.

How Aflac Dental Insurance Works

Aflac dental plans work differently from traditional ones. Instead of sticking to specific dentist networks, they’re based on reimbursement.

This means Aflac pays you back for some of your dental costs, no matter where you go for treatment.

After you pay the dentist directly, you can claim a refund from Aflac based on your plan’s coverage.

Aflac offers different dental plans for individuals and families. These usually cover basic dental needs like cleanings, fillings, and more serious procedures like crowns or root canals.

Some plans might even cover orthodontics.

Here’s how Aflac dental insurance generally operates:

  1. Pick a plan: Choose from Aflac’s range of dental plans with different levels of coverage and costs.
  2. Pay your premium: This is the monthly fee for your chosen plan.
  3. Get dental care: Visit any dentist you prefer.
  4. Pay the dentist: You’ll pay the dentist directly for the service.
  5. File a claim: Send Aflac a claim form and any needed documents for reimbursement.
  6. Get reimbursed: Aflac will pay you back based on your plan’s coverage percentage, after any deductibles or co-pays are subtracted.

Pros and Cons of Aflac Dental Insurance


  • Flexibility: Aflac plans allow you to choose any dentist, giving you more freedom in selecting your dental care provider.
  • No waiting period for preventive care: You can utilize your coverage for preventive care like cleanings and exams from the very beginning of the policy.
  • Supplemental coverage: Aflac dental plans can complement existing dental insurance by covering expenses that fall outside your primary plan’s coverage.
  • Fast and easy claims process: Aflac claims are typically processed quickly, often within a few days of submission.
  • Direct payment to you: Aflac sends the reimbursement directly to you, allowing you to manage those funds as needed.
  • Financial stability of Aflac: Aflac’s A+ rating from A.M. Best indicates their financial strength and ability to pay out claims.


  • Not a primary dental plan: Aflac plans are typically supplemental and may not be a comprehensive solution for all dental needs.
  • Out-of-pocket costs upfront: You’ll need to pay the dentist upfront before being reimbursed by Aflac.
  • Potential for higher overall costs: Depending on your plan and utilization, Aflac may not be the most cost-effective option compared to traditional dental insurance with contracted networks.
  • Mixed customer reviews: While Aflac boasts a good rating from A.M. Best, customer reviews on platforms like Trustpilot paint a more nuanced picture.

Is AFLAC dental insurance legit? Customer Reviews

Here’s a breakdown of some common themes found in these reviews:

Positive Reviews:

  • Fast and easy claims processing: Many customers praise Aflac’s smooth and efficient claims process, highlighting the quick turnaround time for receiving reimbursements.
  • Helpful customer service: Positive reviews often mention helpful and supportive interactions with Aflac’s customer service representatives.
  • Flexibility of choosing any dentist: The freedom to choose any dentist is a significant advantage for some customers who value continuity of care with their preferred provider.

Negative Reviews:

  • Denied claims: Some customers report experiencing claim denials, citing frustrations with the explanation or appeal process.
  • Difficulty canceling policies: There can be complexities associated with canceling Aflac dental plans, leading to customer dissatisfaction.
  • Unexpected out-of-pocket costs: Customers may underestimate the out-of-pocket costs they face upfront before reimbursements, especially for major procedures.

It’s important to consider these mixed reviews when evaluating Aflac dental insurance. While positive experiences highlight Aflac’s strengths, negative reviews showcase potential downsides to be aware of.

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