Individual Dental Insurance Plans: Is This Plan for You?

dentist explaining to patient about teeth

Individual dental insurance plans are becoming increasingly popular as dental care costs continue to rise. But how does individual dental insurance work?

What Is Individual Dental Insurance Plan and How It Differs

Individual dental insurance plans are designed to cover the costs of routine dental care. Most plans have a monthly premium and a deductible, typically covering a percentage of dental procedures' costs. Some plans also include coverage for vision and hearing care.

Dental insurance plans are available through employers, health insurance companies, and dental schools. Some plans are also available through the government, such as Medicaid.

  • Dental insurance plans typically cover preventive care, such as regular cleanings and checkups, at 100%. 

  • Basic procedures, such as fillings, crowns, and x-rays, are usually covered at 70-80%. 

  • Major procedures, such as root canals and bridges, usually cover 50%.

Most dental insurance plans offer an annual maximum benefit, or the maximum amount the plan will pay out in a calendar year. Once you reach your annual maximum limit, you will be responsible for paying 100% of any additional dental care cost.

Dental insurance plans also have a waiting period for major procedures, which is the length of time you must wait before the plan begins to pay for that procedure. For example, if you have a plan with a 12-month waiting period for major operations, you will not be able to get coverage for a root canal until 12 months after you enroll in the plan.

Individual dental insurance plans are a great way to save money on dental care. But it's important to understand their work before enrolling in a plan. It is essential to read the fine print of any dental insurance plan before enrolling, as there may be limits on what is covered, and exclusions may apply.

How to Get Dental Insurance

If you are looking for dental insurance, there are a few places you can start your search. You can contact your state's insurance department or search the National Association of Dental Plans' website. You can also ask your employer if they offer dental insurance. The easiest and most efficient way to find the perfect plan is by contacting us at Brand and Britt Insurance. We’ll consider your needs and wants, and help get you set up with the best coverage!

Once you've found a few dental insurance plans you're interested in, you can compare them side-by-side to see which one is best for you. Be sure to read the fine print to make sure you understand what is and is not covered.

If you have questions about dental insurance, ask your dentist or the insurance company. They should be able to help you understand your coverage and what it means for your dental care.

How to Know If an Individual Dental Insurance Is for You

Here are some things to consider when choosing an individual dental insurance plan:

1. What Is Your Budget for Dental Care? 

Dental insurance plans typically have a monthly premium, deductible, and co-payments for dental services. Be sure to consider all of these costs when choosing a plan.

2. What Type of Dental Care Do You Need? 

Some plans cover only primary dental care, while others cover more extensive services. Be sure to choose a plan that covers the type of care you need.

3. What Is the Network of Providers for the Plan? 

Some plans only cover dental care from certain providers, while others have a more extensive network. Be sure to choose a plan with a network that includes the providers you need.

4. What Are the Plan’s Benefits and Limitations? 

All dental insurance plans have benefits and limitations. Be sure to understand the details of the plan before enrolling.

5. Is the Plan Right for You? 

Be sure to compare different plans and ask questions to find the right dental insurance plan for your needs.


Individual dental insurance plans are becoming increasingly popular, offering a more affordable alternative to traditional dental insurance. Make sure you take the time to consider these factors, and you'll be able to choose the right dental insurance plan for you.

If you are looking for dental insurance options in GA, request a quote from us. Brand and Britt Insurance is an independent insurance agency, which means we have access to a wide range of insurance companies. This allows us to provide our customers with quick, easy quotes. If you're looking for insurance, we encourage you to request a quote from us today. 

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