Smile Brighter with Individual & Family Dental Insurance

Affordable plans for preventive care, basic procedures, and major services—designed for under-65 individuals and families

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Comprehensive Dental Coverage for Every Smile

Dental health is essential to overall well-being—and unexpected procedures can be costly. Peterman Insurance Services offers individual and family dental plans for those under age 65, providing access to preventive cleanings, fillings, crowns, and more. Our nurse-led guidance helps you choose the right network and benefit levels to keep your smile—and your budget—healthy.

Preventive and Diagnostic Care

Routine cleanings, exams, and X-rays are typically covered at 100%, helping you catch issues early and avoid higher treatment costs..

Major and Orthodontic Coverage
Coverage options for crowns, bridges, dentures, and even braces or clear aligners—helping families manage both functional and cosmetic dental needs.

Basic Restorative Services

Fillings, extractions, and root canals are covered at a set percentage—so you’re not surprised by out-of-pocket expenses for common procedures.

Your dental insurance Questions, Answered

Find clear answers to common dental insurance questions—so you can select the plan that fits your family’s needs and budget.

U.S. residents under age 65 who aren’t covered by an employer-sponsored dental plan can enroll —with no medical underwriting on most preventive services.

Preventive services often have no waiting period. Basic and major services usually require 6–12 months before benefits begin. We’ll help you understand each carrier’s timelines.

It’s the total amount an insurer will pay in a policy year—commonly $1,000–$2,000. Once reached, you’re responsible for all additional costs until the next year.

PPO plans allow both in- and out-of-network care (at higher cost share). DHMO or HMO-style plans require you to select an in-network provider for the lowest fees.

Many plans offer optional orthodontic riders with separate lifetime maximums. Coverage levels and eligible ages vary by carrier—let us help you compare options.

Factors include your location, family size, chosen network type, and benefit level. We’ll provide side-by-side quotes so you can balance cost and coverage.