Policy Support

For in-network treatment, benefits are paid directly to your provider, reducing, or eliminating your out-of-pocket costs.

If you need to submit an out-of-network claim yourself, look for the Dental link(s) on either your Policy details or Claims page. Clicking the link will bring you to the dedicated member portal where you will find the appropriate claim form to download and complete.

When you visit a network provider, you will receive lower out-of-pocket costs because our network providers have agreed to accept lower fees. There are no forms to fill out since they will submit the claim for you and will be paid directly by Aflac. You can have confidence in our network providers, as we have ensured they meet national credentialling standards.

You’ll receive an ID card once you enroll, even though you don’t need it to receive service. You can print or request a replacement through your online member portal.

While both help protect your wallet from dental expenses, they serve different functions:

Network Dental acts as your primary health card for your teeth. You present your insurance card at the dentist, and the plan directly pays for covered care based on a coinsurance structure (e.g., 100% for preventative care, 80% for basic care, 50% for major care after your deductible).

Supplemental Dental is a cash payout plan. It pays fixed cash benefit amounts directly to you after you receive a covered procedure, regardless of what your primary insurance covers or how much out-of-pocket cost you incur.