Dental Insurance

Find a plan that fits your needs and budget.

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Good dental care not only keeps your mouth healthy, it's an important part of your overall health. As part of our commitment to helping you stay healthy, we offer dental plans designed for every stage of your life.

Customer Service

We’re dedicated to taking the hassle out of dental insurance. Our customer service representatives are readily available to answer your questions and ensure that your claims are handled efficiently. We will even pay in-network dentists directly – you won’t need to submit a claim form.

J.D. Power, a global marketing information company that represents the voice of the customer, ranked UnitedHealthcare Dental "Highest in Customer Satisfaction with Dental Plans" in their J.D. Power 2015 Dental Plan Satisfaction Report℠.1

JD Power Quality Customer Service Dental Insurance

Our Dental Network

Unlike other discount dental plans available online, we provide dental insurance – covering Preventive, Basic and Major dental services. Our network of more than 182,000 dentists2 provides care at substantial savings.

And if your preferred dentist isn’t part of our network, that’s okay. We’ve got a plan for that, too. While your dental-care savings might not be as great, you may file your claim and receive your reimbursement directly.

Lots of Dental Plan Options

New college graduate? Expecting your first child? Retired and on a fixed income? Talk to us. We’ll help you find the best coverage for your situation.

Dental Insurance for those without Group Coverage

No group? No problem.

If you are self-employed or if your employer doesn’t offer group dental coverage, an individual dental plan can help you keep your mouth healthy.

Dental insurance for early retirees

Heading Toward Retirement?

If you’re like many adults over 65, dental insurance isn’t a part of your health coverage, even for those with Medicare. Whether you have your natural teeth, implants or dentures, dental insurance can help you take control of your oral health.

Dental Insurance for Kids

Got Kids?

Tooth decay is one of the leading chronic infectious diseases among children. Untreated tooth decay causes pain and infections that may lead to problems with eating, speaking, playing and learning.3 Our dental insurance can cover your children from birth until their 26th birthday.

Frequently Asked Questions

Why Our Dental?

We offer three straightforward and easy-to-use types of dental insurance plans. Each comes with different deductible and premium amounts to help you get coverage that meets your dental care needs as well as your budget.

Covered Services

Our plans offer multiple coverage options spanning Preventive, Basic and Major dental services:

  • Preventive care is covered at 100% with NO deductible or waiting period when you use a network provider.4 Services include routine dental exams, routine X-rays, teeth cleaning (twice a year), fluoride treatment for children under 16 (twice a year), sealants and space maintainers.
  • Basic services include dental exams, X-rays, nonsurgical extractions, emergency treatment to ease dental pain, amalgam fillings and resin-based composite fillings (6-month waiting period).
  • Major services 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 five years), surgical extractions and periodontal maintenance (12-month waiting period).

How Does Dental Insurance Compare with Discount Dental Plans?

Dental discount plans sound a lot like traditional dental insurance plans, but they’re not. The discount programs promoted all over the Internet that promise you lower prices on dental care really function more like using a coupon. They give you a limited discount, on certain treatments, at selected dental offices.

Our dental insurance plans provide you and your family with dental coverage. We don’t hide anything; we tell you what’s covered right at the beginning. Take advantage of the 20-day “free look” period and If you aren’t completely satisfied with your coverage, we’ll give you a full premium refund.5

Our dental insurance plans can help you keep your family covered. No surprises. No coupons. Just dental coverage from a company you can trust.

Why Get Dental Insurance?

You’ve probably heard the saying “an ounce of prevention is worth a pound of cure.” When it comes to your oral health, these words ring true. The basic and preventive care coverage available with our dental plans makes it easier to give your dental health the attention it deserves. During routine cleanings, your dentist checks for various issues such as oral cancer, nutritional deficiencies as well as cavities – catching problems before they become more serious.

Healthy Mouth – Healthy Body

Overall health and dental health are more connected than you may realize. Sometimes oral infections and gum disease can be a precursor to, or a symptom of, more serious health issues. Research and studies have shown oral health is linked to:

  • Cardiovascular disease: People with gum disease were more likely to develop heart disease.6
  • Pregnancy and birth issues: Gum disease has been linked to preterm and low birth weight babies.6
  • Diabetes: People with gum disease have more difficulty controlling blood sugar.6
  • HIV/AIDS: People with AIDS are at special risk for oral health problems. Many of these problems arise because the person’s immune system is weakened and less able to fight off infection.6
  • Osteoporosis: Bone loss in the jaw has been linked to osteoporosis. The bone in the jaw supports and anchors the teeth. When the jawbone becomes less dense, tooth loss can occur.7


Keeping Healthy During Pregnancy

1 UnitedHealthcare received the highest numerical score in the proprietary J.D. Power 2015 Dental Plan Satisfaction Report℠. Report measures opinions of consumers with dental plans, includes seven plans, and is based on responses from 2,449 consumers. Proprietary study results are based on experiences and perceptions of consumers surveyed September-October 2015. Your experiences may vary. Visit

2 As of 2/2012, Dental Benefit Providers, 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.

3 CDC, Children’s Oral Health, January 7, 2011.

4 If you use an out-of-network dentist, your benefit will either be determined by the reasonable and customary charge or by the network negotiated rate. An out-of-network dentist can bill a patient for any remaining amount up to the billed charge.

5 Minus any claims paid during that period.

6 National Institute of Dental and Craniofacial Research, 10/28/10.

7National Institute of Arthritis and Musculoskeletal and Skin Diseases, 10/28/10.