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Affordable Dental Insurance

Budget-friendly plans for individuals and families

Two doctors checking the health of a tooth

Find Affordable Dental Coverage Today

Freeway Insurance has partnered with Independence American to offer dental plans at affordable rates for individuals and families in California, Arizona, Washington, Florida, Texas, Idaho and Oregon.

Our dental plans provide a caring network of dental professionals who will take care of your dental needs. Our experienced, bilingual agents can help you select the best coverage options for your overall health to include your dental or health insurance needs.

Freeway Insurance offers convenient ways to shop for full dental coverage. You can get an affordable, quick, no-obligation quote by calling us at 800-777-5620. We offer both dental and health plans.

Dental Benefits and Eligibility Requirements

At Freeway Insurance, we want to help you and your family live your healthiest life possible. Finding affordable dental care can go a long way toward improving your overall oral health. With our dental coverage:

  • There’s no waiting period for preventative care – you can sign up and get started immediately
  • There’s no underwriting – meaning you don’t have to fill out a bunch of paperwork or pass a health exam
  • There’s no age limit – it’s available up to age 99
  • There’s no application fee
  • There’s a guarantee that you’ll be issued a plan

Happy man in the dental chair.
Participants can choose between an Indemnity Dental Plan (no network restrictions) or a PPO Dental Plan (additional savings by going in-network). Although there are no child-only dental plans, your dependent children under the age of 26 are eligible on your plan. Plans are available for primary applicants aged 18 and up, their spouse and their children.

What is Dental Insurance?

Dental insurance is like health insurance (but much cheaper). It allows participants to have regular – and emergency – dental care for much less money than paying out of pocket. Patients will get to see a regular dentist, not the changing staff at an emergency room.

What is Covered with Dental Coverage?

With Independence Dental, most all regular network dentists and services are covered, including both basic and major care:

Icon of tooth with heart behind

Preventative Care (routine exams, cleaning, sealants)

Icon of teeth X-rays

Diagnostic Care (X-rays)

Icon of tooth being examined with magnifying glass

Basic Care (Extractions, fillings, emergency palliative care)

Icon of sectioned tooth

Major Services (Endodontics, oral surgery, surgical extractions, dentures and maintenance, inlays, onlays and crowns, bridges)

Choose the Dental Plan That Fits Your Family

There are two dental coverage plans* to choose from: Indemnity or PPO. You can choose from 3 levels of care per plan, including Independence 1000, Independence Ultra 1500 and Independence 1500, so you can get the one best suited to you and your family. Here’s a quick look at some of the plans, product and services highlights.

Indemnity Plans

Indemnity Plans provide no network restrictions. See below for out of pocket costs.

Plan Benefits Preventative Care
Coinsurance %
Diagnostic Care Coinsurance % Basic Care Coinsurance % Major Care Coinsurance %
Indemnity Plan Independence 1000 100% 100% 50% (6 month waiting period) 50% (12 month waiting period)
Indemnity Plan Independence Ultra 1500 100% 100% 80% (6 month waiting period) 50% (12 month waiting period)
Indemnity Plan Independence 1500 100% 80% (6-month waiting period) 80% (6 month waiting period) 50% (12 month waiting period)

PPO Plans

PPO Plans provides additional savings by going in-network. See below for out of pocket costs.

Plan Benefits Preventative Care Coinsurance % Diagnostic Care Coinsurance % Basic Care Coinsurance % Major Care Coinsurance %
PPO Plan Independence 1000 (In/Out of Network) 100%/100% 100%/100% 50%/50% (6 month waiting period) 50%/50% (12 month waiting period)
PPO Plan Independence Ultra 1500 (In/Out of Network) 100%/100% 100%/100% 80%/80% (6 month waiting period) 50%/50% (12 month waiting period)
PPO Plan Independence 1500 (In/Out of Network) 100%/100% 80%/80% (6 month waiting period) 80%/80% (6 month waiting period) 50%/50% (12 month waiting period)

*Not all insurance plans or combinations of benefits are available in all states. Independence Dental is not available in New Jersey and Vermont.

Why Should I Get Regular Dental Care?

People who receive regular dental care realize many benefits, including being healthier overall. You may not realize it, but the health of your mouth has a large impact on how your heart and other important bodily systems function. A medical link has been established between poor dental health and many medical issues such as diabetes, heart disease, strokes, lung conditions and more. This is because bacteria from an infected mouth can travel to other spots – causing serious problems.

Smiling woman at the dentist's consulting room

On the other hand, having dental insurance means you and your family can establish a routine of good oral healthcare with a known dental team. While it’s important for everyone to maintain good dental habits, it’s especially helpful for children to learn early that brushing, flossing and regular dental checkups are part of everyday health.

With our dental plan, you really don’t have any excuses not to go the dentist anymore!

Find Affordable Dental Insurance Online Today!

Independence Dental makes it simple to sign up for dental care for you and your family. Simply contact Freeway Insurance today for a free quote by calling 800-776-5620. Our friendly, bilingual agents are standing by to help you find affordable dental care.

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