Using 1Dental With Insurance

Here are some of the most common ways our members use 1Dental with dental insurance:

  • Having their 1Dental plan pick up once their dental insurance has maxed out (usually at $1,000-$1,500 per year)
  • Using 1Dental during their insurance policy’s waiting period (often 6-24 months for major procedures)
  • Using 1Dental for procedures that dental insurance excludes (for example, adult braces, implants, and cosmetic dentistry)

Wondering if having both will be helpful for you? Here are some questions to help you decide:

1. Is your dental office in-network with both plans?

Sometimes you will hear something like, “We accept all PPOs.” However, “accept” could mean that they are out-of-network but will submit a claim to see if they can get any reimbursement from the insurance company. If they don’t get any reimbursement, that would leave you paying the full remainder.

2. Is your dental office okay with having two plans on file?

Some dental offices only allow you to have one plan on file.

3. How will your dental office allow you to use both plans?

Many dental offices allow you to use 1Dental to reduce dental care costs as soon as you reach the limit on your dental insurance plan. They also may allow you to use a dental savings plan during your insurance plan’s waiting period, for procedures it excludes, or when it saves you more. However, they may not give you the opportunity to use your dental savings plan alongside your dental insurance for the same procedure.

4. Is the dental insurance policy worth what you’re paying?

If you’re getting dental insurance for free through work, great! If not, here are some things to consider:

  • How much are you paying in premiums per year, per family member?
  • How long do you have to wait for certain dental procedures?
  • What is your annual limit?
  • What’s hidden in the fine print?

Often, dental insurance policies will make attractive claims like “80% off fillings.” However, once you realize that you’re waiting 6 months to be eligible for those savings and paying $50 per person each month while you wait, it may not be worth it in the end.

Another common claim is “50% off braces” — yet in the fine print, you’ll find that you have to pay premiums for two years first. Also, there is usually a “lifetime maximum” of $1,500 (which is more like 20% off).

You already get at least 20% off braces with 1Dental.

Have questions?

We’re happy to discuss your specific situation in more detail if you still have questions about how your dental insurance policy can work with your 1Dental plan. Please give us a call at 855-329-6305 or email us at