Aflac, or American Family Life Assurance Company of Columbus, offers supplemental insurance plans. It offers a variety of types of insurance, including supplementary medical and dental insurance. This type of insurance is meant to help people out with expenses that their primary insurance company does not cover and fill in the gap.
Aflac dental insurance: the most well-known supplemental insurance

Aflac is one of the largest provider of supplemental insurance in the United States. The size of the company and the number of plans it offers alone make it an appealing option for those who are looking for a supplement to their regular insurance. Additionally, Aflac has been in business for 65 years, making it a long-standing and trusted insurance provider. Having trouble finding dental insurance that covers orthodontics? Read on.
Does Aflac provide orthodontic treatment coverage?
Does Aflac cover braces? Aflac does offer options for supplemental dental insurance. But do those plans actually include orthodontic benefits? In short, yes. Aflac can cover orthodontia; it just depends on which plan you end up getting. But to get orthodontics covered, you must purchase an orthodontic benefit rider for your plan, which is essentially a supplement to your supplemental insurance. After buying the rider, Aflac dental coverage will extend to orthodontics.
Aflac Dental offers Basic, Standard, and Premier plans. The Basic plan is $285, the Standard is $400, and the Premier is $450. These plans typically do not cover orthodontia, but with the Orthodontic Benefit Rider Aflac offers a lifetime benefit of up to $1,400 per covered person.

Are invisible aligners and braces covered by Aflac dental insurance?
So Aflac dental insurance orthodontics benefits do exist. Beyond that, though, what does Aflac dental cover exactly? What about invisible aligners and braces? This will likely depend on the specific Aflac plan you purchase, as each plan is different. However, Aflac does specify that only “eligible,” not all orthodontic procedures are covered.
How much does Invisalign cost with Aflac?
Invisalign is an excellent option and one of the best invisible aligners available if you are trying to avoid traditional metal braces. But the price can be a little expensive with no discount plans or insurance coverage. With Aflac, the cost of Invisalign could potentially be reduced. However, it is difficult to put an exact number on this estimate due to variables including your specific Aflac plan, your Invisalign treatment plan, and your primary dental insurance coverage.
Choosing the best Aflac dental insurance plan for orthodontic coverage
How to get Aflac dental insurance
The first step toward getting Aflac insurance is checking out the dental insurance options on Aflac’s website. On their website, there is an option for both individuals and businesses to select to get a quote for what their Aflac insurance plan might look like and what it might cost. Once you receive your quote, you’ll have a better idea about whether you are still interested in pursuing insurance through Aflac. Following that, you can navigate to the next step in the process, which is enrolling in your Aflac insurance plan of choice.

What if I’m not covered by Aflac insurance? Invisible aligner payment options
Discount Plans for invisible braces
If you’re set on getting Invisalign but don’t have courage through Aflac due to one reason or another, there are still cost-reducing options available.
One option for reducing the cost of invisible braces without Aflac insurance is enrolling in a healthcare financing plan like CareCredit. With CareCredit, you can use a credit card to help reduce the immediate cost of healthcare expenses like braces.
Many orthodontic providers will also offer discounts to teachers, students, and members of the military. While these discounts can vary from brand to brand, you can expect at least a $100 discount on your treatment plan.
What customers say about Aflac dental insurance
Online, there are mixed reviews about Aflac’s dental insurance. On Trustpilot, Aflac insurance as a whole gets a low rating of only 2.2 out of 5 stars. However, this number is also only based on a select ten reviews posted on the website. On Consumer Affairs, Aflac Dental insurance received a slightly more favorable rating of 3.4 out of 5 stars. That rating was based on 28 individual Aflac dental insurance reviews as opposed to the eight listed on Trustpilot, making it a slightly more reputable source. To get a better sense of the company, take a look at orthodontic insurance overviews.




FAQ
When considering making insurance-based tax deductions, the typical rule is that deductions can be made if you pay for the insurance out-of-pocket with your own money. However, this is not the only determining factor in what makes insurance qualify for being tax-deductible. Other factors, such as your gross income, might come into play. Generally speaking (however), it is possible that Aflac insurance costs can be deducted from your taxes.
Aflac supplemental insurance is not a standalone form of dental insurance. It is intended as a supplement to whatever form of insurance you may already have. With supplemental insurance like Aflac, you can get help paying for your out-of-pocket costs and for procedures that your main insurance company does not cover.
Nobody can truly say with complete certainty whether Aflac insurance is worth it or not. Aflac dental insurance reviews may provide some insight, but it truly depends on what you are looking to get out of a dental insurance company and what exactly you are trying to get coverage for. While you might not get free braces from Aflac, you might get a good discount. In the case of Invisalign treatment, Aflac insurance might not be worth it for everyone, simply because it is somewhat up in the air whether Aflac will consider it to be an “eligible” orthodontic benefit. Different procedures will be covered differently, and if you are considering getting dental implants, for instance, you want to be sure you get the best dental insurance for implants.
Anyone who is looking for a supplementary form of insurance can purchase Aflac insurance. However, those without primary medical or dental insurance shouldn’t purchase insurance from Aflac, as it won’t be of any benefit to them.
Many dental and orthodontic providers will accept Aflac dental insurance. On its website, Aflac provides prospective customers with a link that allows them to search for within-network dental providers. The list generated by this search engine is based on your plan, city, and/or your zip code.