Dental Health Info Article

UnitedHealthcare Dental Insurance

Starting your journey to finding the right dental insurance provider for you, your business, or your family can seem daunting.  UnitedHealthcare is one of the top dental providers with extensive dental insurance options, helping you to cut costs while taking care of your oral health. We’ll explore their dental coverage, explaining how the process works and what procedures are covered.

UnitedHealthcare: Overview

UnitedHealthcare provides healthcare insurance for individuals, families, and employers. They’re a subsidiary of the United Health Group, which is the largest health insurer in the US, providing healthcare coverage for as many as 30 million people across the country. As part of their healthcare plans, they provide dental insurance, Medicare plans, Medicaid plans, small business plans, and short-term health insurance. 

UnitedHealthcare dental insurance options

UnitedHealthcare has a wide variety of dental plans that you can select from, so you can find an option that’s ideal for your needs and budget. All their plans are underwritten by the Golden Rule Insurance Company, an A.M. Best ‘A’ rated company. UnitedHealthcare’s dental plans are either for individuals (PPO) or available through your employer (DHMO and Value). Here’s a little more information about the different types of dental plans that are available through UnitedHealthcare. 

UnitedHealthcare PPO

UnitedHealthcare provides PPO plans, which means that you can choose your dentist from an extensive network of participating dentists. As many as 182,000 dentists are available to choose from, which makes UnitedHealthcare dental insurance one of the more flexible options available on the market. By staying in-network, you can expect to save on your dental fees. You’ll still save if you choose to receive treatment from a dentist who is outside of UnitedHealthcare’s dental network, however, you’ll have to pay a higher proportion of the cost, so it’s always best to stay within the network. Numerous different PPO plans are available, including:

  • Dental Primary

  • Dental Essential

  • Dental Primary Preferred

  • Dental Essential Preferred

  • Dental Premier Choice

  • Dental Premier Elite

You can expect to pay a $50 deductible on these plans, with monthly premiums varying according to the level of coverage. Dental Primary is the most affordable, and Dental Premier Elite is the most expensive.

UnitedHealthcare DHMO

Of course, UnitedHealthcare offers a number of other dental plans, including a DHMO plan. These are group plans, which means that they’re available through your employer. Essentially, you need to select a primary-care network from UnitedHealthcare’s extensive network, and then you can receive coverage for a broad range of dental treatments (including orthodontia). You can switch your primary-care dentist at any time and there aren’t any waiting periods for treatment. Here are some of the main benefits of the UnitedHealthcare DHMO plan: 

  • Procedures have a set co-payment, making it easy to plan your out-of-pocket costs.

  • There are no deductibles, so there’s no costs before treatment. 

  • In addition, there aren’t any annual maximums. 

  • The majority of preventive treatments are covered at 100%.

UnitedHealthcare Value

In addition, UnitedHealthcare offers a Value dental plan, available through your employer. It’s essentially a dental discount plan, which makes it one of the most cost-effective dental insurance options, offering enrollees access to a broad, national network of dentists. Preventive and diagnostic services are covered at 100%, and discounts on a range of other dental procedures are available (although it’s important to remember that this is not technically insurance). Furthermore, there aren’t any deductibles to worry bout with the UnitedHealthcare Value plan. 

What procedures can you receive coverage for?

Whatever your dental needs, you can expect to find a plan that covers the treatment you need. Here’s a quick overview of some of the dental services that you can receive coverage through UnitedHealthcare, as well as their categorization:

  • Preventative procedures – fluoride treatments, oral evaluations, x-rays, sealants, space containers, cleanings, and more are all available, and you won’t have to pay a deductible or co-payment for these services.

  • Basic procedures – Fillings, emergency treatments, non-surgical extractions, anesthesia, palliative treatment, and more.

  • Major procedures – Retainers, gum disease treatment, root canals, oral surgery, surgical extractions, bridges, crowns, and more. Remember, major procedures are subject to the PPO deductible, and are more likely to have longer wait periods.

Bear in mind, this isn’t an extensive list of every treatment that’s available from UnitedHealthcare dental plans. To find out exactly which procedures are covered, and how much you can expect to pay for them, you just need to check the specifics of the plan.


How does dental insurance with UnitedHealthcare work?

So, how do you go about getting and claiming dental insurance with UnitedHealthcare dental coverage?

  • First, you enter your details on the UnitedHealthcare website and get a quote on their different dental plans.

  • Once you’ve chosen a plan, you start paying your premiums.

  • If you need to claim, you don’t have to submit it yourself. UnitedHealthcare pays their in-network dentists directly, so all you need to do is pay the deductible (if applicable) as well as your co-payment, i.e. the remaining share of the costs.

UnitedHealthcare dental insurance exclusions

It’s important to remember that as with all dental insurance plans, some exclusions do apply to the insurance offered by UnitedHealthcare. It’s crucial that you understand the exclusions and limitations on your policy before you purchase it, rather than find out after the fact that a treatment isn’t covered by your insurance. Here are some of the exclusions that might apply, however, they’re often dependent upon the details of your plan, so be sure to check before you claim:

  • Dental services for teeth which can be resolved by other means.

  • Dental services which you need because of intoxication or illegal narcotics.

  • Dental services which you need because of work.

  • Braces, orthodontia and any cosmetic dentistry.

  • Hospital charges.

  • Telephone consultations.

  • Replacements for full or partial dentures which can be repaired or restored instead.

Want a UnitedHealthcare dentist? Call 1-800-DENTIST to book an appointment today.