Dental Bills Have a Way of Sneaking Up on You
Most people skip the dentist because they don't have coverage. Then something comes up like a cracked tooth, an infection, or a crown that can't wait and the bill hits like a surprise. A routine cleaning and x rays can run $200 to $300 out of pocket. A crown? Easily $1,000 or more.
And if you're a small business owner trying to offer something for your employees, dental is usually the first thing that gets cut because it feels too expensive to add.
That's where this plan comes in. Steve works with an Aflac PPO dental plan that covers the basics and then some. No waiting period to worry about. A deductible that goes away completely by year three. And an annual maximum that can actually grow over time if you stay on top of your preventive care.
It's not a complicated plan. It does what good dental coverage is supposed to do. It helps you keep your mouth healthy without making you afraid to open the bill.
What the Aflac Dental PPO Plan 2 Covers
Preventive Care (100% Covered)
Two cleanings and exams per year are fully covered with no deductible. Bitewing x rays, full mouth x rays, sealants for kids under 16, and fluoride treatments for kids under 19 are included.
Basic Services (80% Covered)
Fillings, simple and surgical extractions, emergency palliative treatment, and crown or bridge repairs are covered at 80% after your deductible.
Major Services (50% Covered)
Crowns, bridges, dentures, implants, periodontal treatment, endodontics, oral surgery, and anesthesia are all covered. Dental implants are included, something a lot of plans skip entirely.
A Deductible That Gets Smaller Every Year
Year 1 Deductible: $50 per person (up to 3 per family)
Year 2 Deductible: $25 per person (up to 3 per family)
Year 3 and Beyond: No deductible at all
Annual Maximum Benefit: $1,500
Maximum Carryover Benefit: Up to $1,000 additional
Members earn $250 in carryover each year they stay under $500 in paid claims and submit at least one preventive claim. Unused carryover rolls forward and can be used for any covered procedure.
Waiting Period: None
Most dental plans make you wait six months to a year before they will cover anything beyond a cleaning. This plan has no waiting period at all. The day your coverage starts, you are covered.
The deductible starts at just $50 per person in year one. It drops to $25 in year two. By year three, there is no deductible at all.
And here is something worth paying attention to: the carryover benefit. If you use the plan for preventive care and keep your total claims under $500 in a given year, you earn $250 in extra coverage that stacks on top of your $1,500 annual max.
Do that consistently and you can build up to $1,000 in additional coverage sitting there when you need it. That is a plan built for people who take care of their teeth and want something in their corner when something bigger comes up.
Ready to Get Covered? Enrollment Takes Just a Few Minutes.
The enrollment link below takes you directly to the plan. If you want to talk through it first, call Steve at 816-519-3761 or send him an email at steve@thebenefitspool.com. There's no pressure and no sales pitch — just a straight conversation about what makes sense for you.
Coverage underwritten by American Family Life Assurance Company of Columbus | Policy Series QN81000 | thebenefitspool.com is not an Aflac website. Steve Sterthman is an independent insurance broker licensed in Missouri.
This Plan Works Well For
Steve puts this plan together regularly for clients in Blue Springs, Lee's Summit, Independence, Grain Valley, Oak Grove, and across the KC area. If you're not sure it fits your situation, just call him. That conversation is free, and there's no pressure to enroll on the spot.
Dental Accidents Are Covered at 100%
If you chip a tooth, break something in an accident, or suffer any sudden dental injury, this plan bumps your coverage to 100% for that treatment. No fighting with the insurance company over whether it was necessary. Accidents happen — this plan has you covered when they do.
Finding a Dentist Is Simple
This is an Aflac PPO plan, which means you have access to a wide network of participating dentists. You can also see a dentist outside the network. You will just pay a bit more out of pocket for out of network visits.
To find a participating provider near you, visit aflac.com/DentalNetwork and use the provider search tool. When you schedule your appointment, let them know you are an Aflac Dental PPO member and bring your ID card.
If you already have a dentist you love, there is a good chance they are in the network. And if they are not, you can still use them. The plan will still pay based on reasonable and customary rates for your area.
Coverage underwritten by American Family Life Assurance Company of Columbus. Policy Series QN81000. This page provides a brief description of plan benefits and is not a contract. Refer to your certificate for complete terms, conditions, limitations, and exclusions. Coverage provides limited benefits and is not a qualified health plan (QHP) under the ACA.
You're Not Just Enrolling Online. You're Working With Steve.
A lot of people have gone online to buy their own dental coverage, ended up with the wrong plan, and found out too late that their dentist isn't in the network or their procedure isn't covered.
Steve has been working with families and small businesses across the Kansas City area for years. His whole approach is built around making sure you know what you're getting before you sign up — not after something goes wrong.
He's not pushing this plan because it pays him the most. He's recommending it because it's a solid plan with real coverage, no waiting period, and benefits that grow the longer you keep it.
If you have questions about whether this plan fits your situation — whether you're looking for individual coverage, adding dental for your employees, or just want someone to walk you through the options — call Steve. He'll give you a straight answer.