How Does United Healthcare Dental Insurance Work?
It can be overwhelming for patients to search for a dental insurance plan. There are many variables to consider when determining which plan will best meet your needs. United Healthcare offers a variety of affordable dental plans, which are underwritten by a company called Golden Rule Insurance. These plans can range from basic dental coverage for routine oral care to more comprehensive coverage, which can include dental implants and other things that extend beyond preventative care. Below is additional information regarding UnitedHealthcare dental insurance.
Dental Insurance Coverage
Dental insurance coverage can include a wide variety of benefits that help cover a patient’s oral health care needs. It is important to review all of the available plans to ensure you understand the coverage, cost, and plan that best meet your unique needs. Below is a summary of the benefits associated with United Healthcare dental insurance and an explanation of how it works.
Preventive Care
Most dental insurance includes coverage for things that are considered to be preventive services. This coverage often has no waiting period or deductible and includes the following services:
- Routine cleanings
- Fluoride treatments for patients 16 and under
- X-rays or diagnostic screening
- Simple filling and emergency treatment
The above services may apply to the plan’s deductible and coinsurance.
Major Services
Major services can include things such as root canals and retainers, which are typically subject to the plan’s deductible, coinsurance, and any applicable waiting periods.
Dental Network
There is a vast network of dental providers for patients to choose from. This ensures patients can receive the care they need.
Family Coverage
Plans can also include coverage for all members of your family. There are also plans specifically designed for seniors who are on Medicare to ensure they can also maintain good oral health.
Benefits
Below is a summary of the benefits associated with having dental insurance with UnitedHealthcare.
- Good Oral Health: Patients with dental insurance are more likely to obtain routine dental care and prevent major issues.
- Cost savings: Dental care can be incredibly expensive for patients without insurance. Patients without insurance are also more likely to wait for a problem before seeking treatment.
- General Health: Good oral health is also linked to good health in general. Patients who do not maintain good oral health with preventive care are at an increased risk of major health issues. This can include things such as diabetes and heart disease.
How Does Dental Insurance Work?
Dental insurance plans are similar to a regular health insurance plan. Patients will be expected to pay a monthly premium for the plan. In most cases, the plan will also have a deductible. This is a set amount that patients are expected to pay for covered services during the plan’s annual term. Once a patient meets their deductible, they will typically pay for a percentage of the covered services. This is done through coinsurance or with a copay, which is a fixed amount. Most plans have an annual maximum amount that they will cover. Some services may have a waiting period as well.
Cost
The cost of dental insurance will vary greatly based on your specific plan and the coverage. The cost of the plan will depend on the level of coverage and benefits. Patients will typically pay more up front for more comprehensive coverage and less for basic, preventative coverage.
Call the office to discuss our services and any questions you have related to your oral health.
United Healthcare Copays, Deductibles, and Coinsurance Definitions