UnitedHealthOne Golden Rule – Dental Plans


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With dental insurance plans for you and your family, we can help make it easier to keep your smile healthy. From dental cleanings to root canals, it can be difficult to predict how much money you’re going to spend for your dental care. United HealthOne individual dental insurance plans can provide you with the coverage you need to help promote good dental health.

With either of the dental plans, you can take advantage of:

  • Preventive care is covered at 100% with NO deductible or waiting period.
  • Access to an extensive dental network that today has over 152,700 dentists.1
  • Basic and Major Services have only a $50 calendar-year deductible per covered person, plus it is capped at 3 individuals per family – so if you have a family of 4, 5, 6 or even more, you’re only responsible for paying $150 in deductibles for the whole family!
  • We pay 80% for Basic Services like cavity fillings and tooth extractions after the initial six-month waiting period is exhausted and the deductible is met.
  • We pay 50% on Major Services like root canals and bridges after the initial 12-month waiting period is exhausted and the deductible is met.

Which individual dental plan is right for you?

Dental Premier

  • Best option if your dentist is not in our network
  • Pays more than Dental Value for care from non-network dentist
Plan Dental Premier Plan
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Deductible $50
Maximum Family Deductible per Calendar Year $150
Waiting Period No waiting period for preventive, 6 months waiting period for Basic Services, 12 months waiting period for Major Services
Preventive Care 100%, no deductible
Annual Maximum Benefit $1,000 per covered person
Basic Services 80% after deductible
Major Services 50% after deductible
Orthodontics Not covered
X-Rays Routine X-rays covered once per calendar year
Out-of-Network Dentist Benefits paid based on the reasonable and customary charge

Dental Value

  • Best option if you use a network dentist
  • Lowest premiums
Plan Dental Value Plan
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Deductible $50
Maximum Family Deductible per Calendar Year $150
Waiting Period No waiting period for preventive, 6 months waiting period for Basic Services, 12 months waiting period for Major Services
Preventive Care 100%, no deductible
Annual Maximum Benefit $1,000 per covered person
Basic Services 80% after deductible
Major Services 50% after deductible
Orthodontics Not covered
X-Rays Routine X-rays covered once per calendar year
Out-of-Network Dentist Benefits paid based on the reasonable and customary charge

UnitedHealthcare Dental Plan availability varies by area. Get a free dental insurance quote now. To learn more about costs, benefits, exclusions, eligibility, limitations, and renewal terms call a licensed Product Advisor to discuss your options.

Top Dental Insurance Questions:

Are fluoride treatments covered during teeth cleanings with my dental insurance plan?
Fluoride treatments (two per calendar year) are covered for children ages 16 and younger. Adults will have to cover the extra fee set by their dentist if they want to have a fluoride treatment. A regular teeth cleaning at any age is considered preventive care and is covered 100% by a dental plan without a deductible.

Is a UnitedHealthOne health insurance plan required to get a dental plan?
No. In some states you can add vision insurance (for additional premium) to your dental plan as well. Check and compare dental insurance quotes by getting a quick, online dental insurance quote.

How do I know if my dentist is in your network? Or how do I find a dentist that is in your network?
Visit myuhcdental.com/GoldenRule to see if your dentist is in our dental network, or find a dentist that’s near you. Our dental insurance network offers you the freedom to select the dentist of your choice.

What are the differences between dental insurance plans vs. dental discount plans?
Dental discount plans are like using a coupon. It only gives you a certain amount off of certain treatments, and you are limited to the places you can use those dental discount plans. Our dental insurance plans will cover cleanings and any preventive care at 100% without a deductible. Our dental insurance covers 50%-80% of other services such as cavity fillings, root canals, or dentures after a deductible and waiting period is met.

What are the waiting periods and why are there waiting periods on dental insurance plans?
There is a six-month waiting period for basic services and a 12-month waiting period for major services. If you were to have a crown, for example, you would have a 12-month waiting period, whereas a simple filling would only have a six-month waiting period. Waiting periods are lengths of time for your policy to be in force before your benefits begin. Many insurance plans enforce some waiting periods, even dental insurance plans. Our plans have no waiting periods on preventive services such as cleanings and sealants.

What services are covered under my dental plan?
Preventive services have no waiting period and include routine dental exams, routine X-rays, cleaning, fluoride treatment for children, sealants, and space maintainers.

Basic services have a six-month waiting period and include dental exams, X-rays, routine extractions, treatment for children to ease dental pain, and simple fillings.

Major services have a 12-month waiting period and include treatment for diseases of the pulp (including root canals), bone and other tissues supporting the teeth, crowns, inlays, onlays, veneers, bridges, dentures (payable once every 5 years), and oral surgery for impactions.

What is the annual maximum on my dental insurance plan?
There is a calendar-year maximum benefit of $1,000 per covered person. This mean your dental insurance plan would pay up to $1,000 of covered expenses.

Who gets reimbursed when I start using my dental plan?
Most traditional health insurance and dental insurance plans reimburse or pay a percentage of your actual expenses. Payment will be made to your dentist for covered services under your dental coverage.

1 As of 2/2011, Dental Benefit Provider’s, Inc. Network availability may vary by state, and a specific dental care provider’s contract status can change at any time. Therefore, before you receive care, it is recommended that you verify with the dental care provider that he or she is still contracted with the network.

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