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Protect your smile and your budget

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.

A significant step toward physical and financial health

Phone showing dental and vision portal

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. 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 healthy.

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

Colonial Life Fee Schedule ID Card

Individual dental

Sample Dental ID Card
Mother and young son at the dentist

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
  • Allow you to continue coverage if you change jobs

Orthodontia and vision coverage are also available as optional add-ons. To find a plan that best fits your needs, talk with your benefits counselor to learn more.

Woman choosing glasses frames

Protect your vision with additional coverage

Colonial Life Dental Insurance offers an optional Vision Rider 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 Vision coverage, 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.

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 coverage are also available as optional add-ons.

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 Colonial Life representative.
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 Colonial Life representative for more details.
Colonial Life has an extensive network of in-network dentists. To search for an in-network provider for an Individual Dental PPO Plan, click here. To search for an in-network provider for a Fee Schedule Plan, click here. See ID cards above if you are unsure which plan you have.
Immediate coverage is provided for routine cleanings and x-rays, while certain procedures have varying waiting periods. Talk with your Colonial Life representative for more details.
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.

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.

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.

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 premium 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.

Colonial Life Vision Rider* covers an exam and materials once per 12 months. See your Colonial Life representative for more details.

Employers and HR representatives

Find out more about offering Colonial Life Dental and Vision Insurance for your employees.

*The Vision Rider may not be available in all states.

THESE POLICIES PROVIDE LIMITED BENEFITS.

DENTAL AND VISION NETWORK ACCESS PLANS ARE AVAILABLE FOR DENTAL PPO PRODUCTS.

For the Dental Network Access Plan, click here.

For the Vision Network Access Plan, click here.

In certain Texas counties, Colonial Life & Accident Insurance Company may have received a waiver for a departure from network adequacy requirements. For more details and a list of affected counties, click here.

Individual Dental PPO (IDN8000) or Individual Fee Schedule Insurance is not available for sale to new accounts or existing accounts without a dental offering in place in MA. This is effective as of March 4th, 2024.

This information is not intended to be a complete description of the insurance coverage available. The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. Applicable to policy forms IDN8100, IDN8000, Dental, and rider forms R-VSN8100, R-VSN8000, R-Vision and R-Ortho (including state abbreviations where used, for example: IDN8100-TX, Dental-TX, and R-VSN8000-TX). For cost and complete details of coverage, call or write your Colonial Life independent agent or the company. An insurance producer may contact you. 

California residents – Summary of Dental Benefits and Coverage Disclosure Matrix (SDBC) is available for IDN8000-CA/IDN8100-CA (Individual Dental PPO)

California residents – Summary of Dental Benefits and Coverage Disclosure Matrix (SDBC) is available for Dental-CA (Fee Schedule)

Arizona residents – View exclusions, limitations, and reductions for IDN8100-AZ, IDN8000-AZ, Dental-AZ

Kentucky residents – View detailed disclosures, including exclusions and limitations for IDN8100-KY, IDN8000-KY, Dental-KY