is aflac dental worth it?

We award Aflac a final rating of 4 out of 5 stars. Not only does the carrier have a well-established history, but also impressive financial stability and the highest possible ratings from both AM Best and the BBB, which makes them a top contender within the insurance industry. Aflac’s massive reach has provided millions of customers in and out of the workplace with quality supplemental coverage. That being said, the carrier does have a concerning volume of complaints filed against it through the BBB within recent years, and there are quite a few customer reviews stating that their claims are not processed or paid nearly as quickly as Aflac promises. However, Aflac provides a highly user-friendly website and multiple options for customers to contact them and find exactly what they need, which aids their reputation as a carrier that is trustworthy and offers dependable coverage.

No insurance company is perfect, no matter how many stars they have in their ratings. To help those folks in search of the right carrier for them, we've gone ahead and assembled a few key pros and cons to keep in mind about Aflac.

Aflac Pros: Well-established company with more than 65 years of experience in the insurance business. Provides several types of supplemental coverage, including life insurance for adults, short-term disability insurance, accident insurance, dental insurance, and more. A+ ratings by both the BBB and AM Best. Large volume of customer satisfaction relative to company size. Offers coverage through employers and to individuals. Offers a One Day Pay promise for certain individual claims. Informative website that includes an option to be matched to an agent.

Aflac Cons: Some coverage is only available through employers. Only offers supplemental coverage. Certain coverages not available nationwide. Not BBB accredited. Carrier has had 325 complaints filed against them through the BBB in the past three years. Some customers report frustration with not having claims resolved or paid within the carrier’s promised time frame.

Using our insurance company directory can help you find the best insurance companies that specialize in your specific coverage needs. The company directory can also help you get connected to an agent near you.

Aflac offers a multitude of supplemental insurances to employers and individuals. Some of the best Aflac plans available include:

Whether you’re an individual in the market for supplemental insurance or an employer searching for supplemental benefits coverage for your employees, Aflac may just be the right carrier for your needs.

Aflac was founded in 1955, making it a well-established insurance carrier with more than half a century of experience in offering quality supplemental insurance policies to individuals and workplaces. The carrier has been ranked among “The World’s Most Admired Companies” by Fortune magazine over a dozen times. The carrier is most well known for offering payroll deduction coverage in the form of cash benefits when an employee suffers a covered illness or workplace accident.

The carrier provides coverage in both the US and Japan. Aflac is Japan’s largest insurance company, and the US’s largest provider of guaranteed-renewable insurance. The carrier's workforce is nearly 12,000 strong. Their official website states that they currently serve more than 50 million policyholders. AM Best places the carrier in the $2 billion or greater financial size category.

Aflac’s rich history and amount of in-force insurance aids the carrier’s reputation as a financially stable insurance provider with a strong outlook for the future. AM Best, the leading global credit rating agency monitoring the insurance industry, gives Aflac an “A+” rating — the highest available — indicating the carrier is a superior choice for insurance customers. The “A+” rating assures customers that Aflac is capable of offering guaranteed, secure coverage from a trustworthy and reputable carrier.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness, and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. For customers who aren’t as familiar with insurance companies’ reputations, AM Best’s rating system allows them to make an informed decision about who they can trust to meet their needs in the short term, and who will remain a strong, financially sound company in the long term.

Though Aflac does not readily provide information about any specific discounts offered, there are several discounts and ways to save money on premiums that are commonly offered to customers who purchase coverages that they offer. These discounts and premium-saving hacks can include:

An independent insurance agent can help you find out for certain which specific discounts are available through Aflac, in order to help you get the most bang for your buck on your coverage.

Aflac allows customers to handle customer service issues and file claims online or over the phone. The following customer service options are provided by the carrier:

Fortunately for those who don’t like contacting their carrier directly, you can get in touch with your independent insurance agent instead. Independent insurance agents are available to handle claims and insurance concerns for you, which allows for much easier and smoother customer service.

We read through tons of Aflac life insurance reviews, Aflac dental insurance reviews, Aflac short-term disability insurance reviews, Aflac insurance agent reviews, and more to get an overall picture of what customers really think of the coverage provided by this carrier. Here are just a few Aflac reviews to provide some insight on policyholder opinions of the carrier's customer service, policies, and more.

If you choose to get dental insurance, you should double-check the benefits offered for the procedures you have in mind. The amount of coverage for each treatment depends on the dental insurance plan you choose. We recommend chatting with an Aflac agent to better understand what all is covered in our dental insurance.

Dental insurance costs vary depending on factors like lifestyle, coverage goals, the state you live in and age. Aflac provides affordable dental insurance so you can meet your oral health and financial goals. Chatting with an agent can help you better forecast specific costs.

Dental procedures can be expensive without any additional help. Beyond the costs, receiving consistent preventative care can alleviate the need for more treatments later. At Aflac, you can pay budget-friendly rates to save money on long-term care while proactively taking care of your oral health.

Exploring dental insurance terminology can help you understand which dental insurance plan is best for your needs. Premiums, coverage, waiting periods, and annual maximums are the main terms you may see frequently used.

Premiums are regularly scheduled payments that keep your plan active. These can vary based on age, coverage amounts and medical history. We recommend getting a quote from an Aflac agent to see what your dental insurance premiums could look like.

Aflac offers dental coverage for individuals, families and businesses. We also offer supplemental dental insurance to help cover anything missing by your primary dental plan. Most plans offer coverage in one or all of the following areas: preventative, basic and major coverage.2

Some of these areas may be fully covered, while others are subject to partial coverage, depending on the plan you choose. Every dental insurance plan is different, so we recommend looking at the fine print.

In some cases, there may be an annual maximum that insurance companies are willing to pay for treatments and procedures. Once this number is reached, the insured is responsible for paying additional fees.3 Looking at the annual maximum in a plan can help determine if there is enough coverage for your specific needs.

Depending on the dental treatment, there may be a critical period before benefits can be accessed. Some treatments may have no waiting period, while others may need a certain number of months to pass.4 With Aflac’s dental insurance, there is no waiting period for routine care, but there are short waiting periods for more invasive procedures.

Well, the rumors are also true that the very popular Aflac insurance company is now also offering DENTAL coverage as well. Oh, yes, it’s absolutely true!

With Aflac you get a simple, voluntary, no direct cost option for your dental needs. There are none of the normal hassles associated with network restrictions, deductibles or even annual premium reviews.

It’s amazing because it frees you up to get exactly the coverage you want and NEED without all the extra muss-or-fuss…or price!

Unlike other dental plans, Aflac’s voluntary offering means that employers don’t even have to do any special negotiations in regards to deductibles, co-payments or provider networks that can be used. This makes it much easier for everyone involved, to say the least.

It also eliminates many of the usual administrative types of headaches associated with usual insurance companies. Let’s look at a few of the main benefits of the Aflac Denal Insurance plan below:

Thank goodness, right? So you basically have the freedom to choose any dentist without limitations, FINALLY. No more looking at the little booklet to see if your dentist may or may not be covered under your plan, because guess what…they always will be with Aflac. YIPPEE!

Ok, so here’s the biggie. Absolutely no deductibles are required when you go with Aflac. Many other dental plans require large deductibles to be met each and every year before coverage by them, but with Aflac, they pay for your treatment with no deductibles to worry about. YAY!

Anther super thing about Aflac Dental is that the policy rates won’t even increase based on a group demographic. You won’t need to regularly review or re-negotiate your dental plan. You can just go about living your life.