Dental insurance
Straightforward dental plans with the costs and waiting periods shown before you choose.
What a plan includes
Dental plans are built around everyday care. Here is what they tend to pay for and where they stop. Details differ by plan and state.
Covered
- Cleanings and checkupsPreventive visits are usually covered from day one, often at little or no cost to you.
- Fillings and extractionsEveryday repairs are commonly covered in part, sometimes after a short wait.
- Crowns and root canalsLarger treatment is often partly paid, within yearly limits and waiting periods.
Not covered
- Cosmetic treatmentWhitening, veneers and implants placed for appearance are generally excluded.
- OrthodonticsBraces and aligners are left out of most adult plans.
- Specialist careGum specialists, root canal specialists and oral surgeons are often outside the plan.Every policy is different, so read the benefits summary before you choose.
Questions about dental plans?
A licensed partner agent can walk you through them.*
Dental coverage, in plain words
Frequently asked questions
Can I stay with my dentist?
Often, yes. Each dental plan on Orchard links to the carrier's own dentist finder, so you can confirm your dentist is in network before you enroll.
If your dentist is not listed, the same finder shows in-network dentists near you.
Doesn't my health plan already include dental?
Only in narrow cases. Health plans usually pay for dental care linked to a medical need, such as an accident or surgery, but not for routine visits.
Children are the exception: Marketplace plans must offer pediatric dental coverage, either built in or as a separate plan. Adults generally need a dental plan for cleanings, fillings and crowns.
When does my dental coverage start working?
Preventive visits usually start on your coverage date. Fillings, crowns and other work may have waiting periods, commonly six to twelve months.
Each plan on Orchard lists its waiting periods up front, so you know what to expect before you buy.
Every kind of coverage. One checkout.
Pair dental with a health, vision or protection plan and manage it all in one place.
Health plans built around your year
Filter Marketplace plans by budget, doctors and prescriptions, and bring in a licensed partner agent whenever you want a second opinion.
- Narrow dozens of plans to the few that fit you.
- See your premium tax credit applied to every price.
- Compare deductibles and copays side by side.
