Dental Insurance Plans

Dental Insurance Plans

Quality dental insurance coverage to suit your needs

Cavities. Wisdom teeth. Dental care can be expensive, and it may be challenging to know how to budget for it. With dental insurance coverage from UnitedHealthcare's, Golden Rule Insurance Company, underwriter of UnitedHealthOne plans, you and your family can enjoy the convenience and simplicity you need and the dental insurance options you want.
We offer two types of dental insurance plans: UnitedHealthcare Dental Premier^SM and UnitedHealthcare Dental Value^SM.
With both of our dental plans you can take advantage of:

• Preventive care with NO deductible or waiting period.
• Access to an extensive dental network that today has nearly 210,000 dentists!*
• A $50 calendar-year deductible per person**
• An annual maximum benefit of $1,000 per covered person.

Need dental insurance for yourself or your family?

For costs, benefits, exclusions, limitations, eligibility and renewal terms, call 1-888-545-5205 or get a dental insurance quote.

Want to learn more about our Dental Insurance Plans?

Visit Golden Rule's dental insurance page.

Oral Health Videos

These videos highlight the importance of oral health and offer practical tips. Topics include the connection between oral health and diabetes, cardiovascular disease and pregnancy, and prevention of early childhood tooth decay.

*As of 12/31/12, UnitedHealth Group Annual Form 10-K. 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.

**Limited to 3 individual $50 deductibles per family for Basic and Major Services. Then, after a waiting period Golden Rule pays 80% for Basic Services and 50% for Major Services. Basic Services and Major Services are defined in the policy. Depending upon the plan you select, reimbursement will be based upon either the network negotiated rate or the reasonable and customary charge.

***Benefits vary based on provider's network status.

View dental plan legal disclaimer. Not available in all states.

Dental insurance designed with you in mind

We'll help you find dental insurance that fits your budget.

• This is REAL dental insurance, not a dental discount program.
• Two plans with the flexibility to use in- and out-of-network dentists.***
• 100% coverage of all preventive services.
• Coverage available for fillings, X-rays, exams, dentures, root canals, and more.

Dental Insurance

Flexible and Convenient
Taking care of your teeth doesn’t just help your smile. It’s good for your overall health, too. Because oral health is so important, we make it easy to pick a dental plan. Keep your smile healthy and happy with our plan benefits, including preventive care, basic services like filings, and major services such as root canals.1
Preventive care is covered at 100% with no deductible or waiting period.2 That means you can get coverage today and see your dentist for a cleaning as early as tomorrow.

Our private dental plans are family friendly. UnitedHealthOneSM dental coverage has no age limit requirement. Even those covered by Medicare can apply. Maintaining a healthy mouth is important to your general well-being, and our plans can provide comprehensive dental coverage for people of any age or at any stage in life.
Choose from Two Options

UnitedHealthcare Dental PremierSM is for people who prefer to keep their out-of-network dentist.
UnitedHealthcare Dental ValueSM has the lowest premium of our dental plans and is for those who prefer to access a dentist from the nationwide UnitedHealthcare Dental Network.
With either plan, you can access an extensive dental network with nearly 210,000 dental providers nationally.3 Plus, you can take advantage of the following:
We pay 80% for Basic Services, such as cavity fillings and simple (nonsurgical) 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.
If shopping for coverage is new to you and your family, we can help simplify the process. Call (800) 944-4699 to speak with a licensed Product Advisor. You’ll receive a personalized recommendation. Or get an online dental insurance quote.