Dental Insurance

Keep Your Smile Healthy

Oral health is more than a smile—it’s connected to overall wellness. But dental care can get expensive fast. A dental insurance plan helps cover regular checkups, cleanings, and more advanced treatments so you don’t put off care when you need it most. For families, seniors, and individuals in Kansas who don’t have coverage through work, individual plans can make a big difference.

Coverage Options

Most dental plans cover care in three categories:

  • Preventive care – exams, x-rays, and cleanings, often covered 100%.

  • Basic care – fillings or extractions, usually covered at 70–80%.

  • Major care – crowns, bridges, or root canals, often covered around 50% after a waiting period.

Plans also come with an annual maximum benefit, usually between $1,000 and $2,000. PPO plans give you flexibility to see any dentist, while discount membership programs lower rates at participating offices.

Our Dental Carriers

FD Insurance Agency partners with reputable carriers, including options accepted by many dentists across Kansas and nearby states. Before enrolling, we’ll check whether your preferred dentist is in-network and review how each plan works where you live.

Dental for All Ages

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Families – Some plans include orthodontics for children after a waiting period.

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Seniors – Look for plans covering dentures, implants, or other restorative needs.

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Young adults – Affordable preventive-focused plans are a smart entry point.

Dental Insurance FAQs

  • Is dental insurance worth it if I only need cleanings?

    It can be—premiums often cost about the same as preventive visits alone, while giving you protection for unexpected needs.

  • Do dental plans cover implants or orthodontics?

    Some do, often with limits. We’ll help find plans that include these benefits if they’re a priority.

  • Is there a waiting period for major work?

    Often yes—typically 6–12 months. We can explore no-waiting-period options if you need immediate coverage.

  • Can I keep my same dentist?

    With a PPO plan, usually yes. We’ll make sure to factor your provider into the plan choice.

  • What does no waiting period mean?

    It means certain services are covered immediately, though those plans may cost more.

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Let’s find a dental plan that keeps your family’s care affordable and your smile healthy for years to come.