Confidential  ·  No obligation  ·  Guaranteed issue
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Dental Plans
Real Dental Coverage.
No Surprises.

Realm Health dental plans deliver up to $5,000 per person per year — and access to one of the nation's largest dental networks.

Book a Call with a Realm Health Advisor    See What's Covered

Guaranteed issue · No health questions
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At a Glance

Dental coverage the way it should work.

Realm Health dental is built differently than most plans.


Dental care that belongs to you — not your employer.

Realm Health dental plans are guaranteed issue meaning no health questions, no underwriting.

  • No waiting period.* Coverage is active from the moment you enroll — no 6-month or 12-month delays.
  • No deductible.* You don't have to pay out of pocket before your coverage kicks in.
  • Guaranteed issue. No health questions, no dental history required, no rejections.
  • Portable coverage.* Your plan stays with you through job changes and life transitions.
  • Nation's largest network. Access thousands of in-network dentists nationwide.

  • *Subject to plan. Some Realm Health Dental plans have deductibles, waiting periods, and are employer-sponsored.

Built to actually get used

A dental plan only helps when you can actually use it.

Most employer dental plans look fine on paper, then trip you up the moment you need them. Realm Health Dental works differently.



The best dental plan isn't the cheapest premium — it's the one that pays for treatment when you actually need it.

Accident

What's Covered

Preventive Care to Major Work — All Included

From routine cleanings to crowns and extractions, Realm Health dental covers the full spectrum of dental care — so you can say yes to the treatment you need without dreading the bill.

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Preventive & Diagnostic Care

Routine exams, cleanings, X-rays are the foundation of good dental health. Your included benefits cover preventive care so you can stay ahead of problems before they become expensive ones.

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Restorative Procedures

Fillings, crowns, bridges, and other restorative treatments are covered — so when something breaks down, you can fix it without sticker shock.


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Oral Surgery & Extractions

Tooth extractions — including wisdom teeth — and other oral surgery procedures are included.





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Endodontics (Root Canals)

Root canals are one of the most dreaded — and expensive — procedures in dentistry. Your plan provides benefits for endodontic treatment so a root canal doesn't become a financial emergency on top of a dental one.


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Periodontics

Gum disease affects more than half of American adults — and goes untreated far too often because of cost. Periodontal care, including deep cleanings and gum treatment, is included in your coverage.


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Prosthodontics & Dentures

Dentures, partials, and other prosthetic dental work are covered when natural teeth can't be saved or restored. Your plan is built to support the full range of dental treatment decisions.



Access to One of the Nation's Largest Dental Networks

Find an in-network dentist near you — in virtually every city and state — and keep your out-of-pocket costs as low as possible. Your coverage works wherever you are.


Book a Call with a Realm Health Advisor  
Advocacy

Additional Benefits of Each Plan

Three tiers of coverage. One straightforward plan.

Every Realm Health dental plan includes three tiers of coverage — preventive, basic, and major — so the care you need is supported across the full range of dental services.

Tier 01

Preventive Care Coverage

100% covered

No waiting period · No deductible

What's Included

  • 100% coverage with no waiting period for covered services
  • No deductible
  • Routine exam (1 in 6 months)
  • Bitewing X-rays (1 in 12 months)
  • Cleaning (2 in 12 months)
  • Fluoride for children under age 16 (1 in 12 months)

Tier 02

Basic Care Coverage

80% covered

No waiting period · $50 annual deductible

What's Included

  • 80% coverage with no waiting period
  • $50 annual deductible for basic and primary services (per person)
  • Full mouth / panoramic X-rays (1 in 3 years)
  • Sealants for children ages 6–16 (1 in 3 years)
  • Restorative amalgams
  • Simple extractions
  • Space maintainers (child under 16)

Tier 03

Major Care Coverage

50% covered

12-month waiting period* · $50 annual deductible

What's Included

  • 50% coverage with a 12-month waiting period*
  • One-time annual $50 deductible (applies to basic and major services only)
  • Onlays
  • Oral surgery
  • Crowns (1 per tooth, per 7 years)
  • Crown repair (single restorative service)
  • Endodontics (nonsurgical + surgical)
  • Periodontics (nonsurgical + surgical)
  • Denture repair
  • Dentures (1 appliance per 5 years)
  • Bridge (1 per 7 years)
  • Complex extractions
  • Local anesthesia

Replacing current dental coverage? * NCD will either waive the 12-month waiting period or give you credit for prior PPO coverage. Members must provide evidence of current PPO coverage prior to the coverage effective date.

How It Compares

Not Your Typical Dental Plan

Most employer dental plans come loaded with fine print. Here's what makes Realm Health Dental different.

Realm Health Dental

Built to actually get used.

No hoops to jump through. No 6-month waiting period before your first cleaning. No deductible eating into your benefit before coverage kicks in. Just real dental coverage that works from enrollment forward.

  • No waiting period* — coverage active on day one
  • No deductible* — your full benefit is available immediately
  • Up to $5,000 per person — a meaningful annual maximum
  • Guaranteed issue — no dental history required
  • Portable* — stays with you through job changes

  • *Subject to plan. Some Realm Health Dental plans have deductibles, waiting periods, and are employer-sponsored.

Preventive to Major

Cleanings and X-rays through root canals, crowns, and oral surgery. The full spectrum of dental care, not just the basics.

One of the Nation's Largest Networks

Access thousands of in-network dentists nationwide — in virtually every city and state — keeping costs predictable wherever you are.

Pairs with Realm's Full Plan Suite

Add dental alongside health, life, critical illness, vision, and accident coverage for comprehensive protection under one relationship.


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Is This For You?

Dental coverage that fits real life.

Realm Health dental is designed for people who want coverage that actually works — not a plan that looks good on paper but falls apart when you need it.

This Is For You If:
  • You want real coverage — not just a discount card
  • You're an employer adding dental to your benefits package
  • You want guaranteed issue without dental history requirements


Not For You If:
  • You only want the lowest possible premium with minimal coverage
  • You prefer a hands-off, self-managed discount program
  • Continuity of care isn't a priority
  • You treat dental benefits as a short-term or optional add-on

Frequently Asked Questions

Common questions about Realm Health dental coverage.

Quick answers about waiting periods, coverage tiers, and how dental benefits work.

Coverage is not available until the first of the month after enrollment.
Realm Health dental plans cover three tiers of care: preventive care at 100% (no deductible), basic care at 80% (with a $50 annual deductible), and major care at 50% (with the same $50 deductible and a 12-month waiting period that may be waived for prior PPO members).
Preventive care includes routine exams (one every 6 months), bitewing X-rays (one every 12 months), cleanings (twice per year), and fluoride treatment for children under age 16 (once every 12 months). All preventive services are covered at 100% with no deductible.
Yes. Major care coverage includes dentures, crowns, oral surgery, endodontics (root canals), periodontics, bridges, complex extractions, and local anesthesia. Major care is covered at 50% after the 12-month waiting period (which may be waived for prior PPO members).
Yes. If you are replacing current dental coverage, NCD will either waive the 12-month waiting period for major care or give you credit for prior PPO coverage. You'll need to provide evidence of your current PPO coverage prior to your effective date.


Dental care shouldn't wait.
Neither should your coverage.

Start a conversation with a Realm Health advisor and find out how to get real dental coverage — for yourself, your family, or your entire team — with no waiting period and no surprises.


Book a Call with a Realm Health Advisor

Confidential · No obligation · No spam · Info@RealmHealth.com

What Happens Next

A Simple, Low-Pressure Process

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We Learn About You

A Realm advisor learns your business, team, and goals — no jargon, no pressure.

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We Identify Opportunities

We find ways to simplify, protect, and improve your healthcare approach.

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We Outline Next Steps

If it makes sense, we move forward — clearly and at your pace. No hard sell.

Get In Touch

Have Questions About Your Coverage?

Our team is ready to help you find the right plan. Whether you have a question about enrollment, benefits, or pricing — we're just a message away. No obligation, no pressure.

  • Guaranteed issue — no medical underwriting required
  • Coverage starts on the first of the month after the date of enrollment
  • Licensed in 48 states. Realm Health and our agents are not licensed in NY and WA
  • Confidential — your information stays private