Guaranteed issue – All applicants aged 18 to 99 are accepted regardless of health history (however, rates are based on age and location).

Covers pre-existing conditions – With the exception of missing teeth in some cases.

Apply year-round – There is no official open enrollment period and, in most cases, coverage begins the next day after you enroll online.

Flexibility – An indemnity plan affords you more provider options. A PPO plan can help lower your out-of-pocket expenses by using an in-network provider. Either way, it’s your choice.

Options for every budget – Varying amounts of coverage range from 50% to 100%, which means you can find a plan with the level of coverage you need at the right monthly premium rate for your budget.

Low deductibles – With annual deductibles generally under $200^[2], most people will be able to access their dental plan’s full benefits without paying a significant amount out of pocket first.

Waiting periods – You may have to put off dental services until you’ve had your plan for 6-12 months to take advantage of your benefits for certain services like fillings and root canals.

Calendar-year maximums – Unlike ACA plans that don’t have annual maximums for essential health benefits, dental plans have annual caps on how much the plan will pay per year (e.g., $1,000). Even with dental insurance, you will be responsible for the costs of services that exceed the annual limit.

Not ACA-qualifying major medical coverage – Dental insurance is a form of supplemental health insurance, not ACA-qualifying major medical coverage.