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, access your Pacific Life Portal where you'll also find ID cards, claims history, provider search, and more. For more information visit our FAQ below.

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.

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

To find a dentist within our network or see if your current provider is included, you can access our convenient provider search link. Don’t see your dentist listed? You can nominate your provider for network membership.

How will my dentist know that they are part of the Pacific Life Dental network?

Our national dental network includes many different networks, so it is possible that your dentist may not initially recognize Pacific Life as an insurance carrier they accept. If this happens, please take one of the following steps:  

  1. Provide the dental office personnel with the list of networks as identified on your ID Card and present your ID card at the time of your visit.
  2. Ask the dental provider to contact Pacific Life at (855) 934-9813 to verify their network participation.
  3. Call us at (855) 810-3301 to request that we contact the dental provider directly.
How do I access my online portal account?

Your online Pacific Life Portal gives you the ability to manage all your benefits in one convenient location. After you enroll, you’ll receive an email invitation with a link to create your account. If you need support, call us at (855) 810-3301. Once your account is set up, you can sign in.

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 portal.

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.

What will my dental services cost?

You can easily find an average cost range for dental procedures with the cost estimator in your portal.

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

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

How do I submit a claim?

When you visit an in-network provider, your provider should submit the claim for you. If you do choose to visit an out-of-network provider, you may need to pay during the visit and then submit a claim for reimbursement. If this occurs, download the out-of-network claim form and follow the included instructions.

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.

How can I learn more about my oral health?

Our Dental Wellness Center offers a comprehensive library of resources to help you better understand your dental health and the vital role it plays in promoting a happier and healthier life.

Who can I call if I need help?

Current members can call us at (855) 810-3301 with any questions. We are here to help you get the most out of your Pacific Life benefits.


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

Dental Policy Form Series PLADNPOL22 and PLADNCERT22

Pacific Life refers to Pacific Life Insurance Company and its subsidiary Pacific Life & Annuity Company. Insurance products can be issued in all states, except New York, by Pacific Life Insurance Company and in all states 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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