Add a High-Commission, No-Hassle Dental Plan to Your Book — A Rated Household Carrier
Bronze, Silver, and Gold dental coverage through AFEUSA gives agents a simple way to offer clients recognizable dental protection, flexible provider access, and strong network-based savings.
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Why Agents Love Selling This Plan
If you're looking for a guaranteed issue, turnkey dental solution backed by a household name and built for easy enrollments — this is it.
Brand Recognition – Clients trust the name, and you close faster.
Simple Enrollment – Online, agent- or self-enroll, with no underwriting or health questions.
Level Commission Structure – Same payout year after year = stable, recurring income.
Guaranteed Issue – No denials. No medical hoops.
Digital Tools – Members get access to a cost estimator, teledentistry, mobile app, and more.
All On One Platform – Easily cross-sell other products with one bill.
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Three Plan Options. One Trusted Dental Network.
Gold Plan
Gold includes a $2,000 calendar-year maximum benefit, preventive care covered at 100%, basic restorative services at 80%, and major restorative coverage at 10% in year one and 50% in year two and later.
Silver Plan
Silver includes a $750 calendar-year maximum benefit, preventive care covered at 100%, basic restorative services at 80%, and no major restorative coverage.
Bronze Plan
Bronze includes a $500 calendar-year maximum benefit, preventive care covered at 100%, basic restorative services at 10%, and major restorative services at 10%.
Commissions You Can Count On
Paid Monthly (15th–20th, for prior month activity)
Level Comp for Life of Plan
Higher Comp vs. Old AFE Dental Plans (for agents contracted prior to Jan 2025)
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Plan Highlights at a Glance
Built-In Selling Points
Mobile App Access: Digital ID cards, claims tracking, provider finder, and cost estimator.
Teledentistry: 24/7 virtual visits for problem-focused care.
Travel Coverage: Help even when clients are abroad, in 200 countries.
No Termination Age: Clients keep the plan as long as they pay.
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Agent FAQ: What You Need to Know to Sell This Confidently
How many Dental plans are available?
AFE Dental now includes three plan options: Bronze, Silver, and Gold.
Who is eligible?
Bronze and Silver list issue ages 18+. Gold lists issue ages 18–69. Eligible family members may also enroll according to plan rules.
Are there waiting periods?
The AFE dental product summary lists no waiting period for Bronze, Silver, and Gold. Members should review the certificate for complete details, limitations, and exclusions.
How is pricing determined?
Pricing is based on the client’s resident ZIP code. The 2026 rate guide uses the first three digits of the resident ZIP code to determine the applicable rate area.
Can members use any dentist?
Members have flexibility to use in-network or out-of-network dentists. Using an in-network participating dentist may help reduce out-of-pocket costs through negotiated fees.
Do members need an ID card to schedule an appointment?
Generally, no. The brochure says members do not need an ID card to schedule an appointment, but they will need the primary member’s SSN or Member ID. Georgia and New Hampshire require ID cards by legislation.
Which states are not available?
Availability depends on the selected plan. Silver and Gold are not available in AK, DE, ME, MD, MT, NM, NC, OR, UT, VT, or WA. Bronze is not available in AK, CT, DE, ME, MD, MT, NM, NC, NY, OR, UT, VT, or WA.
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