Find a dental plan that’s right for you.
We’ve partnered with Ameritas to offer affordable dental coverage for you and your family. To get started, enter your ZIP code below.
Please enter your zip code to compare plans in your area.
Does Medicare cover dental care?
Unfortunately, Original Medicare doesn’t cover routine dental care. It’s why many people choose to get dental coverage through a standalone dental insurance plan.
American Fidelity Retirement Services offers a choice of three dental insurance plans to meet your needs. Each plan offers comprehensive coverage for everything from cleanings and exams to crowns and implants. All at a cost designed to fit your budget.
Visit any dentist without waiting for coverage to start.
You don’t have to wait to see your dentist with us. Shop our plans and see how easy it is to get started.
Plan Highlights
AFdental TM -750 Plus Plan
Coinsurance – Year 1
- 90/50/10 In-Network & Out-of-Network
Coinsurance – Year 2+
- 100/65/20 In-Network & Out-of-Network
Annual Deductible (3x Family)
- $50 applied to Basic & Major
No Basic Wait
No Major Wait
Annual Maximums – Option A
- $750 first year, $1,250 2+ years
Benefit Period = Benefit Year
No Orthodontia
Hearing
- Not included
LASIK
- Not included
Preventive Plus included
- Type 1 Preventive procedures are not deducted from the plan's annual maximum benefit. This saves all of the annual benefit to help pay for more expensive Type 2 and 3 procedures
Types of Benefits
Type 1 – Preventive
- Exams, Cleanings, X-rays (Bite-wings)
Type 2 – Basic
- Fillings, Simple Extractions
Type 3 – Major
- X-rays (Panoramic), Oral Surgery, Endodontics
- Periodontics, Crowns, Bridges, Dentures, Implants
Not Covered
- Fluoride, Sealants, Space Maintainers
MAC – Not Available In:
| Alaska (No MAC) |
| Connecticut (50% Coins, See State Specific Tab) |
| Georgia (No MAC) |
| Idaho (State Filing) |
| Illinois (50% Coins, See State Specific Tab) |
| Louisiana (No MAC) |
| Maryland (State Filing) |
| Massachusetts (No MAC, No Hearing) |
| Mississippi (No MAC) |
| Montana (No MAC) |
| New Jersey (No MAC, 25% Coins) |
| New Mexico (See State Specific Tab) |
| New York (50% Coins, See State Specific Tab) |
| Ohio (State Filing) |
| Pennsylvania (Forest & Potter Counties) |
| Rhode Island |
| Virginia (State Filing) |
| Washington |
UCR – Only Available In:
| Alaska (No MAC) |
| Georgia (No MAC, see plan code below) |
| Louisiana (No MAC, see plan code below) |
| Massachusetts (No MAC, see plan code below) |
Indemnity – Only Available In:
| Montana |
| Pennsylvania (Potter and Forest Counties) |
| Rhode Island |
AFdental TM - 1000 Plus Plan
Coinsurance – Year 1
- 100/50/20 In-Network & Out-of-Network
Coinsurance – Year 2+
- 100/80/50 In-Network & Out-of-Network
Annual Deductible (3x Family)
- $50 applied to Basic & Major
No Basic Wait
No Major Wait
Annual Maximums – Option A
- $1,000 first year, $1,500 2+ years
Benefit Period = Benefit Year
No Orthodontia
Hearing
- $75 Exam + Materials (50% up to $200 year 1, $300 year 2, $400 year 3)
LASIK
- Not included
Preventive Plus included
- Type 1 Preventive procedures are not deducted from the plan's annual maximum benefit. This saves all of the annual benefit to help pay for more expensive Type 2 and 3 procedures
Types of Benefits
- Same as 750 Plus Plan
MAC – Not Available In:
| Alaska (No MAC) |
| Connecticut (50% Coins, See State Specific Tab) |
| Georgia (No MAC) |
| Idaho (State Filing) |
| Illinois (50% Coins, See State Specific Tab) |
| Louisiana (No MAC) |
| Maryland (State Filing) |
| Massachusetts (No MAC, No Hearing) |
| Mississippi (No MAC) |
| Montana (No MAC) |
| New Hampshire (No Hearing) |
| New Jersey (No MAC, 25% Coins) |
| New Mexico (See State Specific Tab) |
| New York (50% Coins, See State Specific Tab) |
| Ohio (State Filing) |
| Pennsylvania (Forest & Potter Counties) |
| Rhode Island |
| Virginia (State Filing) |
| Washington |
UCR – Only Available In:
| Alaska (No MAC) |
| Georgia (No MAC, see plan code below) |
| Louisiana (No MAC, see plan code below) |
| Mississippi (No MAC, see plan code below) |
Indemnity – Only Available In:
| Montana |
| Pennsylvania (Potter and Forest Counties) |
| Rhode Island |
AFdental TM - 2000 Plus Plan
Coinsurance – Year 1
- 100/65/20 In-Network & Out-of-Network
Coinsurance – Year 2+
- 100/90/50 In-Network & Out-of-Network
Annual Deductible (3x Family)
- $50 applied to Basic & Major
No Basic Wait
No Major Wait
Annual Maximums – Option A
- $2,000 first year, $2,500 2+ years
Benefit Period = Benefit Year
No Orthodontia
Hearing
- $75 Exam + Materials (50% up to $200 year 1, $300 year 2, $400 year 3)
LASIK
- $125 years 1 & 2, $250 thereafter (per eye)
Preventive Plus included
- Type 1 Preventive procedures are not deducted from the plan's annual maximum benefit. This saves all of the annual benefit to help pay for more expensive Type 2 and 3 procedures
Types of Benefits
- Same as 750 Plus Plan
MAC – Not Available In:
| Alaska (No MAC) |
| Connecticut (50% Coins, See State Specific Tab) |
| Georgia (No MAC) |
| Idaho (State Filing) |
| Illinois (50% Coins, See State Specific Tab) |
| Louisiana (No MAC) |
| Maryland (State Filing) |
| Massachusetts (No MAC, No Hearing) |
| Mississippi (No MAC) |
| Montana (No MAC) |
| New Hampshire (No Hearing) |
| New Jersey (No MAC, 25% Coins) |
| New Mexico (See State Specific Tab) |
| New York (50% Coins, See State Specific Tab) |
| Ohio (State Filing) |
| Pennsylvania (Forest & Potter Counties) |
| Rhode Island |
| Virginia (State Filing) |
| Washington |
UCR – Only Available In:
| Alaska (No MAC) |
| Georgia (No MAC, see plan code below) |
| Louisiana (No MAC, see plan code below) |
| Mississippi (No MAC, see plan code below) |
Indemnity – Only Available In:
| Montana |
| Pennsylvania (Potter and Forest Counties) |
| Rhode Island |
Limitations and exclusions apply.
Rates and plan availability vary by state.
Terminology Key
- MAC: Maximum Allowable Charge
- OON: Out of Network
- INN: In-network
- UCR: “Usual, Customary and Reasonable” refers to the maximum cost allowed for a procedure.
- Indemnity Plan: Also called traditional insurance. With this plan, the insurance company pays claims based on the procedure performed, usually as a percentage of the charges.
Pay only a percentage.
- Covered services are paid based on a percentage of the dentist’s fee. For example, if fillings are covered at 65%, you pay the remaining 35% of the cost. (You may be responsible for a deductible or amounts over the annual maximum.)
- Dental procedures are grouped into three types:
Type 1 — Preventive
- Exams, Cleanings, X-rays (Bite-wings)
Type 2 — Basic
- Fillings, Simple Extractions
Type 3 — Major
- X-rays (Panoramic), Oral Surgery, Endodontics, Periodontics, Crowns, Bridges, Dentures, Implants
- To determine what your out-of-pocket costs will be, each Type (1, 2 and 3) has a pre-set percentage that represents what your plan will pay for the services in each Type. For example in the chart above, 100/65/20 coinsurance means your plan will cover 100% of Type 1 services, 65% of Type 2 services and 20% of Type 3 services.
Learn more about our dental plans.
Taking good care of your teeth and gums is important for your overall health.
With three dental insurance plans to choose from, we can help you better manage your dental care at affordable rates. To get started, click the button below to obtain plan options and pricing for your area.