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Finding dental insurance with no waiting period can make a big difference when you need immediate care. While some dental plans require you to wait months before covering several types of services, others offer coverage that begins right away, helping you avoid delays and unexpected out-of-pocket costs. Aflac’s network dental insurance for individuals and families has no waiting period for preventative care. We offer a variety of plans, including full coverage dental insurance. Read on to learn how dental insurance with no waiting period works and how to find the right plan for your needs.
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Aflac offers network dental insurance for individuals that can cover the cost of preventative, basic, and major services. You can choose from a variety of coverage levels, including full coverage. If you’d like to get coverage for hearing and vision care, you can consider adding this coverage to your dental insurance plan.
A dental insurance waiting period is the amount of time you need to wait after purchasing a plan before coverage kicks in.1 During the waiting period, you’ll have to pay more out of pocket for certain treatments. Waiting period lengths can range from year-long durations to no time at all.1 Finding little to no-wait dental insurance can help minimize the fees you may have to pay out of pocket.
Aflac’s network dental insurance plans for individuals have no waiting period for routine services and fair waits for more involved procedures. In addition to manageable waiting periods, our dental coverage allows you the freedom to choose which dentist you work with at an affordable rate.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedSome dental insurance plans have waiting periods to manage costs and protect the insurer by preventing abuse of benefits. For instance, some patients undergo expensive procedures and halt coverage soon after.1 This may negatively impact the insurance company’s ability to be successful and the coverage they are able to provide.
You may face substantial costs if you visit the dentist before your waiting period is over. Searching for dental insurance with no waiting period or a short waiting period can help prevent this situation from occurring.
There are a few factors to consider when searching for dental insurance with no waiting period:
At Aflac, we’ll work with you to help you get the treatments you need on a timeline that works for you. Our network dental insurance plans for individuals have little to no waiting periods for various procedures. Start chatting with an agent or get a quote today to learn more about our coverage options, including full coverage dental insurance.
Get Started
Emergency dental care can be costly without insurance. Learn what to do in a dental emergency and how dental insurance can help.
Looking for dental insurance that covers implants and dentures? Aflac walks through all the benefits of full coverage dental insurance like preventative care, basics, and major services.
Emergency dental care can be costly without insurance. Learn what to do in a dental emergency and how dental insurance can help.
Looking for dental insurance that covers implants and dentures? Aflac walks through all the benefits of full coverage dental insurance like preventative care, basics, and major services.
1 Forbes Advisor - Best Dental Insurance With No Waiting Period Of 2025. Updated January 2, 2025. Accessed March 19, 2025. https://www.forbes.com/advisor/health-insurance/dental-insurance/best-dental-insurance-no-waiting-period/.
2 Capehart Dental - What Are Dental Insurance Waiting Periods? Updated May 17, 2025. Accessed March 19, 2025. https://www.capehartdentistry.com/blog/2024/05/17/what-you-should-know-about-dental-insurance-waiting-periods/.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs, please contact your local Aflac agent.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Dental: In Delaware, Policies A82100R–A82400R. In Idaho, Policies A82100RID–A82400RID. In Oklahoma, Policies A82100ROK–A82400ROK. In Virginia, Policies A82100RVA–A82400RVA.
Dental, Vision, and Hearing coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Dental, Vision and Hearing: In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. Dental claims are administered by SKYGEN USA, LLC. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing. NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.
Coverage may not be available in all states, including but not limited to NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999
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