Smiles and budgets are protected with dental and vision insurance

Make expensive procedures more affordable

Daily brushing and flossing keep your mouth healthy, but that’s not always enough. When you see a dentist for routine appointments and unexpected procedures, dental insurance can help reduce the burden of out-of-pocket expenses. Now that’s something to smile about.

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A significant step toward physical and financial health

Don't let a trip to the dentist leave a hole in your bank account

Regular dental appointments help maintain not only your oral health, but your overall wellness, since dental problems can lead to other health problems if left unattended. Most health insurance doesn't cover dental procedures, but our dental insurance can help.

With Colonial Life dental insurance, you can get coverage for regular dental visits and more extensive procedures, including:

  • Cleanings
  • Fillings
  • Sealants
  • Tooth removal
  • Crowns
  • Dentures

Dental insurance lets you focus on getting the oral care you need to keep your smile — and body — healthy.

Regular dental exams can reveal signs of oral cancer, heart disease, diabetes and other diseases, making them easier to treat and control.1

Do you already have dental coverage?

Learn more about your Colonial Life coverage by choosing the option below that
matches your dental insurance card.

Fee schedule

Dental Fee Schedule


Dental PPO Card

How Colonial Life dental insurance works

Colonial Life dental insurance provides benefits for a variety of covered procedures, from routine cleanings to root canals.

Our dental insurance plans:

  • Give you the freedom to see an extensive network of in-network dentists
  • Provide immediate coverage for routine cleanings and X-rays
  • Offer several family plan options to help with care for your spouse and/or dependents up to age 26
  • Can be kept even if you change jobs

Orthodontia and vision coverages are also available as optional add-ons. Costs and waiting periods for certain procedures vary, so talk with your benefits counselor to learn more.

Protect your vision with additional coverage

Colonial Life’s dental insurance offers optional vision coverage to help pay for eye exams and materials, such as glasses and contact lenses. This coverage can help you maintain healthy vision and overall wellness, as well as provide valuable financial protection for you, your spouse and dependent children.

Visit the eye doctor who’s right for you

With Colonial Life’s vision insurance, you have access to a national vision network that includes independent optometrists, ophthalmologists and retail stores like Walmart, Sam’s Club Optical, Costco, Pearle Vision and Target.

Eye exams and materials (frames, lenses) can be purchased from different locations and providers. For example, you could have an eye exam with your favorite eye care professional and order contacts online.

Employers and HR representatives

Find out more about offering Colonial Life individual or group dental and vision insurance for your employees.

Commonly asked questions about dental and vision insurance

What does dental insurance cover?

Colonial Life dental insurance covers multiple procedures, including: 

• Routine exams, cleanings and X-rays

• Fillings, sealants and space maintainers

• Pain management such as sedation and anesthesia

• Oral surgery, gum treatments and prosthetic repair

• Crowns, root canals, dentures, implants and other major services

Orthodontia and vision coverages are also available as optional add-ons.

How do I calculate how much dental insurance I may need?

To help estimate how much coverage you may need, look back at the amount you spent on dental expenses in past calendar years. If you haven't had dental care recently or want additional assistance calculating the appropriate amount of benefits for your family, reach out to your benefits counselor.

How does dental insurance work?

Most dentists will file dental claims on your behalf, making the process of using Colonial Life dental insurance easy and efficient.

Immediate coverage is provided for routine cleanings and X-rays, while certain procedures have varying waiting periods. Talk with your benefits counselor for more details.

How do I know if my provider is in your network?
Colonial Life has an extensive network of in-network dentists. To search, click on the ID card at the top of this page that matches your ID card, then click "Search Providers" to see if your dentist is a part of our network.
How long do I have to wait before I receive benefits?

Immediate coverage is provided for routine cleanings and X-rays, while certain procedures have varying waiting periods. Talk with your benefit counselor for more details.

How can I find out how much I will pay out-of-pocket for a dental procedure?

To determine how much a dental procedure will cost and what the benefit amount will be, have your dentist submit a pre-determination/pre-estimate to receive an estimate of benefits available.

I already have Colonial Life dental insurance. Where can I find a copy of my policy?

To view a copy of your policy, update your contact information and manage your Colonial Life insurance, log in to your account. If you don't have an account, register here.

Where can I find information about my premium payment dates and other billing information?

Log in to your account to view the status of your policy, see your premium amount and due dates, manage your billing information, make payments and more. If you don't have an account, register here.

Can I keep my dental and vision insurance if I leave my job?

Yes. If you leave your job, you are able to take your coverage with you. If you leave your job, you will receive a Continuation of Coverage letter from Colonial Life with instructions on next steps. You will need to change your payment method to direct bill, which means you pay Colonial Life directly instead of paying through your employer. To learn more and begin this process, download the Conversion Request Form.

What does vision insurance cover?

Colonial Life vision insurance covers an exam and materials once per 12 months. See your benefits counselor for more details.

1. Mayo Clinic, “Oral Health: A Window to Your Overall Health” (2016)