Dental Insurance · Denton, TX
Dental Coverage
With Zero Waiting.
Individual, group, or association plans — with no waiting periods on anything. Available to working, non-working, and retired individuals up to age 99.
Powered by Delta Dental through AFEUSA — a PPO-type program you can use with any dentist, in most states.
Why It’s Different
The dental plan that actually covers you from day one.
Most dental plans make you wait 6 to 12 months before covering major work — crowns, root canals, extractions. If you need that work done today, you’re on your own. Not with this plan.
Our Delta Dental PPO plan through AFEUSA has absolutely no waiting periods for any type of service — preventive, basic, or major. No separate maximums for major work. No tricks in the fine print.
Use it the day your coverage starts. That’s the whole point.
Who qualifies:
Not available in: AK, ID, ME, MA, MT, NC, NY, NV, OR, UT & WA.
Plan Highlights
Everything you need. Nothing held back.
This isn’t a stripped-down discount plan. It’s a full PPO dental program with the features most plans reserve for premium tiers.
Zero Waiting Periods
No waiting for preventive, basic, or major services. Your coverage is active the day your plan starts — for fillings, crowns, root canals, and everything in between.
Use Any Dentist
This is a PPO-type program — use any licensed dentist. For enhanced coverage, choose a Delta Dental network provider. Your dentist, your choice.
Up to $3,000 Yearly Max
The best plan pays up to $3,000 per year — and unused benefits carry over, meaning you can bank up to twice that amount for future dental needs.
Carryover Benefits
Don’t lose unused benefits at year’s end. Carry them forward and build up to double your yearly maximum — a feature most plans simply don’t offer.
70% on Major Services
Most plans cap major coverage at 50%. Ours pays up to 70% — with no separate maximum for major work. Crowns, bridges, and more are genuinely covered.
Low Deductibles
Choose a deductible of $50, $100, or $150 depending on your plan tier. Designed to be genuinely affordable — not just on paper.
Three plans. Real coverage. Honest prices.
All three plans carry zero waiting periods. Pick the tier that fits your budget and coverage goals.
Rates shown are estimates — your actual rate will varySample rate — actual premium varies by age, ZIP & household
Sample rate — actual premium varies by age, ZIP & household
Sample rate — actual premium varies by age, ZIP & household
For accurate pricing call (972) 375-0507 (Mon–Fri 9am–5pm) or request your free personalized quote.
Common Questions
Answers before you have to ask.
Really no waiting periods — on anything?
Correct. No waiting for preventive care, basic services (fillings, extractions), or major services (crowns, bridges, root canals). Your coverage is effective from day one — that’s not a typo, and there’s no fine print that undoes it.
Can I use my current dentist?
Yes. This is a PPO-type program, which means you can visit any licensed dentist. If your dentist is in the Delta Dental network, your benefits go further — but you’re never forced out of your existing relationship.
What does carryover mean exactly?
If you don’t use your full yearly maximum, the unused amount carries into the following year. On the Best Plan with a $3,000 max, you could accumulate up to $6,000 of available benefit — real protection for bigger dental work down the road.
Is this available in my state?
The plan is available in most states. It is not available in: Alaska, Idaho, Maine, Massachusetts, Montana, North Carolina, New York, Nevada, Oregon, Utah, or Washington. If you’re in any other state, you’re eligible to apply.
Can I add family members or apply for a group?
Yes — individual, family, group, and association-voluntary plans are all available. Family rates start from $77.70/month (Economy) and $146.44/month (Best Plan). Contact us if you’re enrolling a group or association and we’ll walk you through the process.
Ready to Enroll?
Everything you need to apply today.
Download the brochure, review the rate sheet, or apply online right now. Questions? Call our Denton team — free, no pressure.
Have Questions First?
Talk to a broker.
No pressure. No obligation.
Our Denton team can help you compare plans, confirm your state eligibility, add family members, or answer any question before you apply.
📍 502 W Oak St STE 102A, Denton, TX · Mon–Fri 9AM–5PM
Fredrick Insurance Brokers is an independent licensed insurance agency. Dental plan provided through AFEUSA / Delta Dental. Not available in AK, ID, ME, MA, MT, NC, NY, NV, OR, UT, or WA. Sample rates are illustrative — actual rates vary by age, plan tier, and location. Contact us for a personalized quote.
Independent, family-owned health insurance agency serving Denton, TX and all of North Texas. Katherine Clark & John Fredrick work in the best interest of their clients, not the carriers.
📍502 W Oak St STE 102A, Denton, TX 76201
📞(972) 375-0507
⏰Monday – Friday · 9:00 AM – 5:00 PM
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