UnitedHealthcare dental plans can offer a great way to meet your needs. More dentists in our network means you are more likely to keep the same dentist you use today and also have coverage available when traveling. You can add vision benefits, which are available in most states, to your dental plan. Our dental plans are family-friendly. And since there’s no maximum age, these plans can also benefit those over age 65. Also, our Dental Plans do not have any medical underwriting. The minimum issue age for these new dental plans is 18. As long as the primary insured is at least 18 years of age, then younger dependents can be on the plan.
There are four dental plans available for you to choose from. Dental Primary is the lowest priced of the four plans, and doesn’t include coverage for major services. Dental Primary Preferred offers coverage for major services for a slightly higher premium. Dental Premier Choice is a benefit-rich plan. UnitedHealthcare Dental Premier Elite is a benefit-rich plan with more out-of-network coverage.
Dental Primary and Dental Primary Preferred have a deductible for basic services of $50, and Dental Primary Preferred has a deductible for major services of $50. Neither plan has a waiting period for preventive services, but both have a six-month waiting period for basic services. Also, there is a 12-month waiting period for major services on Dental Primary Preferred. Both plans have a $25 copay for preventive care, and the same annual maximum of $1,000 per covered person. Basic services are covered at 70% coinsurance after the deductible, and major services are covered at 50% on Dental Primary Preferred. Major services are not covered on Dental Primary. Both plans cover up to 4 bitewing x-rays once per calendar year and provide out-of-network care based on the network rates.
Dental Premier Choice and Dental Premier Elite have a deductible of $50 combined for basic and major services. Neither plan has a waiting period for preventive services, but both have a six-month waiting period for basic services, and a 12-month waiting period for major services. Preventive care is covered at 100%, no copays or deductibles. Both plans start with an annual maximum of $1,200 per covered person. Over time, your annual maximum can increase to $1,500 per covered person. Basic services are covered at 80% coinsurance after the deductible. Major services are covered at 50%. Also, both plans cover up to 4 bitewing x-rays once per calendar year. Dental Premier Choice provides out-of-network care based on the network rate. Dental Premier Elite offers more out-of-network coverage. These dental plans also utilize the UnitedHealthcare Dental network, with access to providers across the United States.
Also, if you have an existing UnitedHealthcare dental plan, you can switch to one of the plans! This change requires a new application, and new waiting periods will apply on the new coverage.
For an application sent online, the effective date will be the later of the requested effective date or the day after receipt by Golden Rule Insurance Company. For a mailed paper application, the effective date will be the later of the requested effective date or the day after the postmark date.
The vision coverage you can add to a dental plan features an extremely simple plan design. There are no waiting periods, and covered services have a simple copay. Utilizing a network provider is very important. After the copay of $10 or $25, depending on the service, the vision plan pays 100% of your covered expenses. If you should choose to utilize an out-of-network provider, UnitedHealthcare still provides coverage, just on a more limited basis. Please refer to our product brochure for limitations and exclusions on plans.
Copyright 2017 UnitedHealthcare Life Insurance Company or Golden Rule Insurance Company, the underwriter of these plans. Product and network availability vary by state.
Identity and Jurisdiction
Health insurance products mentioned on this website are underwritten by Golden Rule Insurance Company or UnitedHealthcare Life Insurance Company. Product availability varies by state. Please call 1-800-317-4048 to obtain further details about product availability.
Golden Rule is not licensed to do business in the state of New York, nor outside of the United States. Information on this website does not, and is not intended to, constitute an advertisement, solicitation, or offer for sale of any insurance product to residents of the state of New York, any country other than the United States, or any state within the United States where the product is not available at any given time.
Not intended for Arizona or Georgia.