Group Dental Insurance

Pacific Life Dental promotes good health by providing employees with high-quality dental benefits that offer coverage for routine exams and other services at reduced costs.

Large National Network

Pacific Life Dental provides you with the freedom to choose any dentist or access our extensive national network and our online directory lets you easily search:

  • Dental providers in your area, based on your preferences
  • Services you’re seeking
  • Provider ratings as available

With our dental plans, you can choose any dental provider. However, you'll typically pay less with an in-network dentist and benefits may vary with out-of-network providers.

Find A Dentist

Benefit Highlights

Along with our national network, offering reduced or no out-of-pocket costs, your coverages may include:

  • Exams and cleanings covered with 100% coinsurance, no deductible, and no waiting periods 
  • X-rays 
  • Children services including fluoride and sealants 
  • Fillings
  • Oral cancer screening for insureds over the age of 40

For your specific plan details, log in to your Pacific Life Portal where you'll also find access to ID cards, claims history, provider search, and more.

3 Reasons Dental Insurance Matters

Encourages routine care: Regular exams and cleanings are covered 100% with no deductibles or waiting periods.

Makes dental care affordable: Dental insurance can reduce out-of-pocket costs on covered services. 

Contributes to overall health: Poor dental health has been associated with several types of heart diseases, and diabetes puts people at greater risk for developing periodontal disease. The connection to overall health makes good oral hygiene an important component of maintaining a healthy lifestyle.1



More questions? Check out our FAQ below.

What benefits does my dental plan provide?

Plan options vary and include a broad range of services, from preventive services to more comprehensive services like crowns, dentures, bridges, and implants. More details can be found in your member portal.

How do I know if my dentist is in-network?

You will find the provider search link here and in your member portal to see if your provider is in-network. Don’t see your dentist listed? Click here to nominate your dentist for network membership.

What is the advantage of using an in-network dentist?

An in-network dentist has agreed to provide services at negotiated rates and can often save you money.

How do I receive information about my claims or eligible dental services?

Your online member portal gives you visibility on the status of your claims, along with information about your dental benefits and coverage amounts. 

Do I need a referral to see a dental specialist?

Referrals are not required with Pacific Life dental plans.

Am I required to receive an authorization for services?

No. Authorizations are not required, but we do recommend that you have your dentist request a pre-treatment estimate for procedures expected to cost more than $300.


1 Cleveland Clinic, How Your Oral Health Affects Your Overall Health, 10/20/2022, accessed July 2023

Dental Policy Form Series PLICDNPOL22 and PLICDNCERT22 or PLADNPOL22 and PLADNCERT22

All products may not be available in all states.

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products can be issued in all states, except New York, by Pacific Life Insurance Company or Pacific Life & Annuity Company. In New York, insurance products are only issued by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.


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