Find Dental Insurance from Klinger Insurance Group

Klinger Insurance is a trusted and established independent brokerage offering a range of individual dental insurance choices for families and individuals who are not covered under a group dental insurance policy.

Get Quotes for Individual Dental Insurance

We offer tailored dental insurance policies that meet the individual needs of our clients. When you choose Klinger insurance, you will get an insurance agent working for you, in order to secure the best levels of dental coverage at the most affordable rates. Your agent will provide you with free quotes from multiple insurance carriers and will explain the key benefits and highlights of each.

If you want to buy an individual dental insurance plan or simply get quotes for family dental coverage, you can save both time and money when you use Klinger insurance.

How does dental insurance work?

Individual dental insurance works in a similar way to health insurance. You pay a monthly premium and a specific pre-determined amount of out of pocket expenses (deductible), and once this is done, your coverage will apply, and your dental insurance will then start to help you pay for your dental care.

In most cases, once a deductible has been paid, you will need to pay for a portion of any covered expenses. This is known as your coinsurance.   With some dental insurance policies, you will pay a fixed amount for specific services. This is known as a copay.

What is usually covered under an individual dental plan?

Most dental insurance plans will offer coverage for preventative care, such as cleanings, routine check-ups, and x-rays. Some dental insurance plans will ask for a copay for preventative services, and others will not. Individual dental insurance plans could also include coverage for extractions, fillings, crowns, root canals, and more.

At Klinger Insurance, our team has an in-depth knowledge of the different types of dental insurance that is on offer. After a rapid conversation about the kind of dental insurance you want to buy, one of our agents will obtain multiple quotes on your behalf for the most suitable policies that meet with your personal needs.

Disclaimer: This information has been written for the public as informational only. Since coverage varies from state to state, it is important to speak to a licensed insurance agent in your state.

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Frequently Asked Questions

  • Is there a limit to the amount a dental plan will payout?

    In most cases, there is a maximum benefit limit that will apply for the year. You will be given the option to change the policy limits before you buy a dental insurance plan.

  • Is dental care covered by the ACA?

    No. Dental care is not covered under the Affordable Healthcare Act.

  • Do I need to have health insurance before I can buy dental insurance?

    If you buy individual dental insurance coverage, then this is a standalone policy and will not be impacted by having healthcare insurance in place.

  • Are there any waiting periods on dental insurance policies?

    In most cases, as soon as you buy a dental insurance policy, there will not be a waiting period for any preventative care. Although there are some dental insurance policies that will have no waiting periods in place, in some cases, there are others with waiting periods of up to 12 months. It really depends on the type of dental treatment you want to access.

  • Is there a big difference between in-network and out-of-network providers?

    The most significant factor here is going to be the cost. In-network dentists will typically offer you a lower cost for their services, and in most cases, you won’t usually need to submit any claims forms as the in-network dentist will take care of that on your behalf. Choosing in-network dental providers is an easy way to help make dental care more affordable.

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Agency's Business Hours

  • Monday 8:00 AM – 5:00 PM
  • Tuesday 8:00 AM – 5:00 PM
  • Wednesday 8:00 AM – 5:00 PM
  • Thursday 8:00 AM – 5:00 PM
  • Friday 8:00 AM – 4:00 PM
  • Saturday Closed
  • Sunday Closed
  • Mon 8:00 AM – 5:00 PM
  • Tue 8:00 AM – 5:00 PM
  • Wed 8:00 AM – 5:00 PM
  • Thu 8:00 AM – 5:00 PM
  • Fri 8:00 AM – 4:00 PM
  • Sat Closed
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