# How do I verify eligibility with Aflac dental?

> Ask which Aflac dental the patient has. A supplemental Aflac dental policy has no network requirement pays a flat benefit amount and does not coordinate with other insurance — you look it up by policy number plus the procedure code. Aflac's network dental plans are administered by Aflac Benefit Solutions and SKYGEN USA and behave like a PPO.

_Updated 2026-09-10. Canonical: https://www.kaylie.ai/blog/aflac-dental-eligibility-verification_

An Aflac card in front of you could be either of two products that share almost nothing, and
as of September 2026 Aflac publishes a separate provider page for each. One
is a **supplemental dental policy**: no network, a flat dollar benefit per procedure, and no
coordination with other insurance. The other is a **network dental plan** with a provider
directory, deductibles and PPO or MAC pricing. Verify the first as if it were the second and
your estimate is wrong in both directions at once — you will apply a coinsurance percentage
that does not exist and treat as primary a policy that does not coordinate at all. The first
question on the call is which one you have.

Kaylie has not measured Aflac dental verification outcomes and will not print a number we did
not measure. What follows is what Aflac publishes for dental providers.

## The supplemental policy, in Aflac's own words

Aflac's page for supplemental dental providers is unusually direct:

> "No network requirements. You don't have to join a network of dentists to accept Aflac."

> "Aflac Dental does not coordinate with other insurance, and we pay a flat benefit amount."

— [*Aflac — Supplemental dental
providers*](https://www.aflac.com/about-aflac/providers/supplemental-dental-providers.aspx),
2026

Three consequences follow, and each one is a habit an office has to break.

**There is no in-network fee.** You bill your fee. The policy pays its scheduled amount. The
gap is not a contractual write-off, because there is no contract — see [whether you can
charge your full fee for a service the plan does not
cover](/blog/can-you-charge-your-full-fee-for-a-service-the-plan-does-not-cover) for the
distinction that matters here.

**It is not a secondary payer in the usual sense.** "Does not coordinate with other
insurance" means it pays its scheduled amount whatever the patient's medical or dental plan
did. Do not hold the claim waiting for a primary EOB, and do not net it against one.

**The payment can overshoot the bill.** Aflac says so: "Any payment received, exceeding the
amount of the bill, should be provided to the patient." The condition it attaches to paying
you at all is the assignment — "If the policyholder has assigned benefits to you by
presenting their ID card and you are filing the claim, benefits will be paid directly to
you" — so the assignment on your form decides who receives the money and, if it comes to
you, you may owe the patient a refund on a claim that was paid correctly.

## The benefits lookup: policy number plus the code

For supplemental policies, Aflac publishes a self-service benefits lookup for offices at
[Obtain benefits
information](https://www.aflac.com/about-aflac/providers/obtain-benefits-information.aspx).
Its instruction is short: **"Enter policy number and ADA codes, then click 'Search' to get
benefits."** It returns, per covered person, the ADA code, a description, and a **Permanent
Amount** and **Primary Amount** — the scheduled benefit figures.

Two things about that screen. First, what you need in hand is the **policy number and the
procedure codes** — not a member ID and a date of birth, and not a group number. Ask the
patient for the policy number at scheduling. Second, Aflac stamps the result with its own
caveat, in capitals: **"THIS IS NOT A GUARANTEE OF PAYMENT"**, subject to waiting periods and
policy maximums, and requiring the policy to be current when the claim is submitted. The
lookup gives you the schedule; it does not tell you the policy is paid up.

Claims on supplemental policies go electronically to Emdeon under **Aflac payor number
58066**, or on paper to Aflac Worldwide Headquarters, Attention: Claims Department, 1932
Wynnton Road, Columbus, GA 31999-7251. The number published on the same page is
**1-800-992-3522**.

## The network dental plans

These are the other product, and they are not administered by the Aflac operation above.
Aflac states on its group dental product page: **"Administrative services are provided by
Aflac Benefit Solutions, Inc. and SKYGEN USA, LLC."** The provider directory sits at
[aflacmep.skygenusasystems.com/provider-search](https://aflacmep.skygenusasystems.com/provider-search),
and Aflac notes that for one product line, "Tier One's network is called the Premier
Network" ([*Aflac — Dental provider
search*](https://www.aflac.com/about-aflac/providers/dental-provider-search.aspx), 2026).

Aflac's group network dental page lists "PPO and MAC options available" — so the same plan
family can pay against a contracted fee schedule or against a maximum allowable charge, which
are different numbers for the same code. It also lists a deductible that steps down by
calendar year: **$50 per person in calendar year one (three per family), $25 per person in
calendar year two (three per family), and no deductible from calendar year three**
([*Aflac — Network dental insurance for
business*](https://www.aflac.com/business/products/network-dental-insurance.aspx), 2026). A
deductible that changes with the patient's own tenure on the plan is not something a practice
management system holds correctly on its own — it has to be re-read.

Network questions go to `provider.relations@aflac.com`; benefit questions go to the number on
the patient's dental ID card, which is what Aflac's provider pages direct offices to use.

## What to do

- Ask first: supplemental policy, or network dental plan? Write the answer in the insurance
  record.
- For a supplemental policy, collect the **policy number**, run the codes through the benefits
  lookup, and quote the scheduled amount — not a percentage.
- Do not hold a supplemental claim for a primary EOB, and do not treat its payment as a
  coordination-of-benefits calculation. On coordination generally, see [whether an old plan
  counts against a new one](/blog/does-my-old-insurance-count-against-my-new-plan).
- Get the assignment signed, and refund the patient any payment above your billed amount.
- For a network plan, confirm your participation in the SKYGEN-hosted directory under the
  plan on the card, and ask whether the plan pays PPO or MAC before quoting.
- Re-read the deductible for each patient's calendar year on the plan rather than carrying
  last year's figure forward.

Sources last checked September 2026.