If you’re looking for a dental insurance plan that’s most affordable for you, you’ll find a variety of options with UnitedHealthcare branded dental plans, underwritten by Golden Rule Insurance company. Choose from our plans that include basic dental coverage for general dental care — or explore coverage that includes major dental care, such as dental implants. Read on to find a dental plan that’s right for you.
Dental coverage can include a range of benefits to cover the dental care needs that matter most to you. Explore the following to learn about typical care that may be covered by a dental plan.
This often includes simple fillings or emergency treatment for dental pain, subject to deductible and coinsurance.
There are coverage options available for every member of your family and every stage of life. 2
If you are on Medicare (which doesn’t include dental benefits) we have plans designed specifically for seniors.
Did you know that dental plans can help with managing dental care costs? Here are some reasons why having dental benefits can make a big difference.
If you have dental coverage, you’re more likely to get routine dental care
If you wait until there’s a problem, dental care often gets more expensive and involved
If you don’t get preventive dental care, major health problems, like heart disease and diabetes, appear more often 3
Read on to learn more details about dental plans and how they work.
Golden Rule Insurance Company has a variety of dental plans. Options range from budget-friendly to plans with more comprehensive coverage. Compare dental plans and prices to find the right plan for you.
A dental insurance plan works like a health insurance plan. You’ll pay a monthly amount to buy the plan (your premium). Most plans have a deductible, which is the amount you pay for covered services before your plan starts paying. Once you’ve met your deductible, you’ll usually pay for a percentage of covered services (coinsurance) or a fixed amount (copay). Your insurance plan typically pays for the rest, up to an annual maximum amount. A waiting period may apply for some services.
The cost of dental insurance depends on a variety of things. It comes down to the plan you choose and the level of coverage it offers. With some plans, you may pay more up front and less when you get services. With other plans, the opposite may be true. Here are 4 factors that can help you understand the costs:
Generally, you can choose from three basic types of dental insurance plans. When you’re looking for dental coverage, consider what your most important factors are (like cost, keeping your dentist or flexibility). Then look at dental plans that would work for you and your situation. Unitedhealthcare branded dental insurance plans from Golden Rule Insurance Company are Dental PPO plans.
This traditional fee-for-service insurance offers the most freedom of choice. Dental indemnity plans generally have:
Dental HMOs (Health Maintenance Organizations) generally have:
Dental plans underwritten by Golden Rule Insurance Company are Preferred Provider Organization (PPO) plans. With a Dental PPO, you generally find:
It depends. There is typically no waiting period for preventive services once you become covered. This means as soon as your dental insurance starts, you’ll be able to use the preventive care benefits. Some plans have no waiting period for all types of care. Other plans may have a waiting period of 4 to 12 months for basic and major services.
Choose from multiple dental plans with different levels of benefits to find the best dental insurance fit for your budget. 4
Get access to preventive care on day 1 of your plan — no waiting period.
Choose from a nationwide network of dentists who offer dental work to members at negotiated lower rates.
Vision and hearing benefits are also available in most states. 5
View more plans, like vision and cash-benefit plans, that offer coverage for expenses not covered by a medical plan.
Answer a few questions to see which insurance options may be available for you.
These products offer limited benefits.
No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.
References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies. Each company is a separate entity and is not responsible for another’s financial or contractual obligations.
Administrative services are provided by United HealthCare Services, Inc. or their affiliates.
Products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc.
This policy has [exclusions] [limitations] [reduction of benefits> [terms under which the policy may be continued in force or discontinued]. For costs and complete details of 'the coverage, call [or write] your insurance agent or the company [whichever is applicable).
Dental benefits are administered by UnitedHealthcare Dental (Dental Benefit Providers, Inc.) Vision benefits are administered by UnitedHealthcare Vision (Spectera, Inc.) Hearing benefits are administered by UnitedHealthcare Hearing.
