Dental Coverage for Independent Advisors and Their Teams
Independent advisors give up a lot of quiet conveniences when they leave a W-2 role - dental coverage is usually the first one that lapses. A single root canal without insurance can run $1,200-$1,800; braces for a child can run $5,000-$7,500. For as little as $19 per month, Advisor Shield Health can connect you with a dental plan for yourself, your family, or your two-to-ten-person advisory team that covers preventive care, restorations, and major procedures.
What Does Dental Insurance Cover?
Dental insurance is typically structured in three tiers - Preventive, Basic, and Major - each covered at different percentages:
Preventive Care (Usually 100% covered)
Routine cleanings (2x per year), annual dental exams and X-rays, fluoride treatments, sealants for children, and oral cancer screenings.
Basic Restorative (Usually 70-80% covered after deductible)
Fillings (composite and amalgam), simple tooth extractions, periodontal treatment for gum disease, and emergency dental exams.
Major Procedures (Usually 50% covered after deductible)
Crowns, bridges, and inlays. Dentures (full and partial). Root canals and endodontics. Oral surgery and complex extractions. Dental implants available on select plans.
Orthodontics (Varies by plan)
Braces for children and adults, Invisalign and clear-aligner discounts, retainers and post-treatment care. Typically covered up to a lifetime maximum of $1,000-$2,500.
Individual Plan or a Small-Firm Group Plan - What Fits an RIA Better?
As a solo RIA, an individual dental plan is usually the simpler and cheaper route. Once your practice has even two or three staff, a small-group dental plan can offer better rates through risk pooling and gives you a benefit to point to when recruiting your next associate advisor. Advisor Shield Health models both paths side by side so you can see the real cost difference before you commit.
How Much Does Dental Insurance Cost?
The right plan depends on how much dental work you typically need each year, whether you have children (orthodontic coverage matters), and whether your preferred dentist is in-network.
Finding In-Network Dentists
Advisor Shield Health works with dental plans that include some of the largest dentist networks in the country - including Delta Dental, Cigna Dental, Humana Dental, Aetna, MetLife, and Guardian - so relocating your practice or adding a new advisor to the team doesn't mean starting your network search over.
Ready to see your options?
Answer a few quick questions and a licensed advisor will email your personalized plan options within one business hour. 100% free, no obligation.