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Dental Insurance
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Standalone Coverage
No health plan required

No Maximum Age Limit
Great for Medicare individuals

Fast Quote and Application
No medical underwriting

Preventive Care Covered
No deductible or waiting periods

It’s Time to Plug the Hole in Your Health Coverage

There’s an old song that says, “Let a smile be your umbrella on a cloudy day.”

Question: How is a smile like an umbrella?
Answer: You don’t want holes in either of them.

Your health care coverage is something else you don’t want to have holes in, but the truth is, many of us do. For a large portion of Americans, not having dental insurance is that hole. As of 2017, over 20% of people in the United States were not covered by a dental plan of some kind.1  Most medical insurance plans don’t cover even routine dental care.

Dental insurance is coverage for common dental care services ranging from preventive care like routine cleanings to more major services like root canals. At its best, it can help you not only budget for those dental services but also maintain a good dental care routine.

Golden Rule Insurance Company has dental plans that are just the right kind of filling to smooth out that hole in your health care coverage.

As of 2017,

more than 20% of Americans were not covered by a dental plan of some kind.1

You’re Not Fully Covered Without Your Smile

Remember how your mom told you one day your mouth might get you in trouble? She didn’t know how right she was. Tooth decay remains the single most prevalent chronic disease in both children and adults2, and it’s preventable!

And overall health and dental health are more connected than many realize. Oral infections and gum disease can sometimes be a precursor to, or a symptom of, more serious health issues. Research has shown possible links between oral health and cardiovascular disease, pregnancy and birth issues, diabetes, HIV/AIDs, osteoporosis, and even Alzheimer's.3

You’ve probably heard the saying “an ounce of prevention is worth a pound of cure.” When it comes to your oral health, these words ring true. Our best dental plans and the basic and preventive care coverage that comes with them make it easier to give your dental health the attention it deserves. During covered routine cleanings, your dentist checks for various issues such as oral cancer, nutritional deficiencies as well as cavities – catching problems before they can become more serious.

Lots of Dental Plan Options

New college graduate? Expecting your first child? Retired and on a fixed income? Talk to us. We’ll help you find the best coverage for your situation.

No group? No problem.

If you are self-employed or if your employer doesn’t offer group dental coverage, an individual dental plan can help you keep your mouth healthy.

Heading Toward Retirement?

If you’re like many adults over 65, dental insurance isn’t a part of your health coverage, even for those with Medicare. Whether you have your natural teeth, implants or dentures, dental insurance can help you take control of your oral health. Hearing fixed indemnity benefits are included with senior dental plans in select states.

Got Kids?

Tooth decay is one of the leading chronic infectious diseases among children. Untreated tooth decay causes pain and infections that may lead to problems with eating, speaking, playing and learning.4 Our dental plans can cover your children from birth until their 26th birthday.

Dental Insurance vs. Dental Discount Plans

Looking for affordable dental insurance? Don’t be fooled by those dental discount plans promoted online. Those plans aren’t a form of cheap dental insurance. A dental discount plan acts like a coupon, giving you a limited discount on certain treatments at select dental offices.

Golden Rule Insurance Company dental plans offer more than those dental discount plans. They provide you and your family with the choice of the level of dental coverage that’s right for you and the choice of provider, with access to a nationwide network of dentists to find the one that’s right for you.

In-network dentists provide care at negotiated rates. And if your preferred dentist isn’t part of the network, that’s okay. We’ve got a plan for that, too. While your dental-care savings might not be as great, you can file your claim and receive your reimbursement directly.

No surprises. No coupons. Not just a discount, but insurance for real assistance with the unexpected costs of dental care.

Covered Services6

Golden Rule Insurance Company dental plans cover:

Preventive Care,
like routine cleanings
(no waiting period)

Basic services,
like fillings
(0- to 6-month waiting period)

Major services,
like root canals
(0- to 12-month waiting period)

Sample Rates in Network7

  Retail Charge With Dental Premier Elite
Premier Choice
Routine Cleaning
(Adult prophylaxis)
$95.47 $0
Filling (Amalgam 1 surface,
primary or permanent)
$181.14 $19.95
Molar Root Canal $1,255.36 $284.50

Add an Optional Vision Benefit8

Want to provide insurance for those peepers, too? Add Vision insurance as a rider on your dental plan.9 Whether you prefer glasses, contacts or both, you can round out your health care coverage and get help changing up your look when you want to.

  • Copay for eye exams from network providers
  • No waiting periods
  • Easy lookup by network provider
  • Both glasses and contacts covered by plans in select states
  • Any age accepted, even those covered by Medicare10

Also, if you choose to add the Vision rider, you have access to discounts on laser eye surgery.

Learn more about Vision insurance

1 NADP, 2018 Annual Report: National Association of Dental Plans, issued 2019, Dallas, Texas.

2 National Institute of Dental and Craniofacial Research, National Institutes of Health. Retrieved from

3 Mayo Clinic, Mayo Foundation for Medical Education and Research, What conditions may be linked to oral health? April 2016, Retrieved from

4 CDC, Children’s Oral Health, January 7, 2011.

5 Hearing Loss Association of America, Hearing Loss Facts and Statistics, May 2018, p. 2, Bethesda, Maryland.

6 Coverage varies depending on the dental plan chosen. See brochure for details. If you use an out-of-network dentist, your benefit will either be determined by the reasonable and customary charge or by the network negotiated rate. An out-of-network dentist can bill a patient for any remaining amount up to the billed charge.

7 Service pricing after year two of coverage in ZIP Code 752- and assumes $50 deductible and waiting periods have been met. Discounts vary by type of provider, geographic area, and type of service.

8 Optional benefits require an additional premium cost. Products vary by state.

9 Available in most states. Additional premium required.

10 Primary insured must be 18 years of age or older.


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