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Benefits and waiting periods may vary in select states. Review Benefits, Exclusions, & Limitations for details. Estimated monthly premium based on ZIP code, birth date and number of people on plan.

Why is dental and vision coverage important?



Dental health is key to overall health, not to mention how it helps you look and feel. All our dental plans cover preventive routine exams at 100% starting day one, so you can feel good about your smile right away.



Vision health is vital to your lifestyle and performance at home, school, and work. Keeping your sight in check with an annual exam can help head-off issues like headaches caused by poor vision, or even spot early signs of other health issues.

Dental FAQs

If you’ve had health insurance, you’re going to be familiar with how a dental insurance plan works.

  • You pay a premium, a certain amount monthly, to buy the plan.
  • Your deductible is what you have to pay out-of-pocket for services covered by your plan before the insurance company pays.
  • Your plan may include copays, a fixed cost you pay for a certain service, like an X-ray.
  • Coinsurance refers to the percentage you pay of covered expenses after you meet your deductible. So if your coinsurance for a filling is 30%, and the cost for that service in-network is $100, you would pay $30 of that. The insurance company would pay for the rest of your covered expenses up to your annual maximum.

Yes. Dental Gen plans are tailored for adults age 64 and older. For more details, view the Dental Gen product brochure and call 1-800-273-8115 for sales assistance. Product availability does vary by state.

Yes. It is standalone coverage. You don’t need to have any other kind of health insurance to purchase it.


No. The ACA, also known as Obamacare, doesn’t require anyone to have a dental coverage plan. In other words, you won’t face tax penalties if you don’t have it. The ACA does require that dental insurance be offered to you if you have children, but it doesn’t require you to get that insurance.

Yes. Dental plans generally come with annual maximums, which is the most the insurance will cover in a given calendar year. Those maximums vary depending on the plan and insurance provider. UnitedHealthcare branded dental insurance plans from Golden Rule Insurance Company offer plans with maximums that range from $1,000 to $3,000 in a calendar year.

Yes. Almost all dental plans include coverage for routine exams, cleanings, routine X-rays, the kind of preventive care you need to keep your teeth healthy. Plans differ in whether you pay a copay for these services or they are covered completely without anything out-of-pocket by you, but they will be covered.

In fact, one of the main benefits of having the insurance may be that it gives you the incentive to make regular dental preventive care a habit and to reduce the chances of more serious problems down the road.

Yes. Most cover dental work like fillings, extractions, and root canals. What services are covered and how much insurance will pay vary greatly by plan. To ensure a plan is the best dental insurance for your situation, be sure to check the details before you buy.

It depends. Braces and orthodontic work are covered under some plans, but not most. So, if that’s a primary reason you’re looking for coverage, you’ll want to shop around to find a dental coverage plan that has that benefit. And you’ll want to read the details of that plan carefully.

There are three basic types: Dental HMOs, Dental PPOs and Dental Indemnity plans. To find the best one for you and your loved ones, you should consider what your most important deciding factors are (for example, cost, keeping your dentist, flexibility) and look at dental insurance plans that suit your needs. The UnitedHealthcare branded dental insurance plans offered through Golden Rule Insurance Company are the Dental PPO type of plans.

Key characteristics of the three basic types:

Dental HMOs:

HMO stands for Health Maintenance Organization. If you participate in a Dental HMO, you generally have

  • Lower premiums than either a Dental PPO or an Indemnity plan
  • No annual maximum to the benefits the plan will pay
  • A restricted network of dentists and dental providers
  • No benefits for going to out-of-network dentists or providers
  • A list of copays (standard costs) you will spend for office visits and specific dental services

Dental PPOs:

PPO stands for Preferred Provider Organization. Dental plans underwritten by Golden Rule Insurance Company are this type. If you choose a Dental PPO, you can expect

  • Higher premiums than a Dental HMO
  • A calendar year maximum to your benefits (often $1,000, but it varies by plan)
  • A network of dentists or providers that have agreed to offer discounted services and that you can choose to use to save money
  • Some benefits paid to out-of-network dentists or providers you might choose to go to instead
  • A list of the percent the insurance company will pay for different dental services. (For example, many Dental PPOs cover 100% of preventive services like exams and cleanings but may pay only 50% for major expenses like crowns or bridges.)

Dental Indemnity plans:

This is traditional fee-for-service insurance, offering the most freedom of choice. You can expect

  • Higher premiums than either a Dental HMO or Dental PPO
  • A calendar year maximum to your benefits
  • A small deductible you have to meet
  • No network of providers, meaning you get the same benefits with any dentist you choose (but also meaning there are no network-negotiated discounts on dental services)
  • A list of the percent the insurance company will pay for different dental services, just like with Dental PPOs

Short answer: Yes. Long answer: To get the most value out of your dental insurance plan, confirm your dentist is in your plan’s network before you buy. In-network dentists agree to lower rates on their dental services, so you’ll save by staying in-network.

Find a Dentist

Cost and convenience. You can help make more affordable dental care for yourself by staying in-network. A dentist in-network has agreed to lower rates on services. That means you pay less even before your insurance pays for anything by getting a filling worked on at an in-network dentist than by going to an out-of-network one.

Also, some dental insurance plans don’t pay any benefits to out-of-network dentists at all, or pay less. Check your plan before you buy.

Finally, if you stay in-network, you often won’t have to deal with submitting claims yourself. The dental office and your insurance provider will handle that. If you are out-of-network, you may have to submit your own claims and wait to be reimbursed.1

Oftentimes Yes. Don’t wait until you have a problem to get insured. For your insurance to cover some dental services, you may have to wait. Some plans offer immediate coverage for basic services like fillings or extractions, but a 4- to 6-month wait is common. For more major services, like a crown, your waiting period might be longer, like 12 months.

The best dental insurance plans are a long-term investment in your oral health, not a quick fix to a short-term problem.

No. The two are not the same.

Dental insurance is a type of insurance where you pay a premium and after any deductibles or copays, insurance pays for covered dental expenses, either in full or partially, up to a calendar year maximum.

Dental discount plans operate more like price clubs. You pay a fee, and you get access to certain discounted rates at select dentists. There’s no payout from the discount plan company to your dental provider.

 Dental InsuranceDiscount Plan
Monthly costGenerally higher than discount plansGenerally lower than dental insurance
Who paysA balance between you and the insurance companyYou do. You pay the fee for joining and pay for the dental service at the discounted provider rate
Rates and providersIn-network providers provide services at discounted rates or by copay. Some plans cover preventive care at no cost.Select providers provide reduced rates on select services
DeductibleGenerally yesNo
Waiting periodUsually not for preventive care; usually for basic or major servicesNo
Annual maximum benefitUsually yesNo. Since no benefits are paid out, there is no maximum benefit

Note: Both are generally a better option than paying cash out-of-pocket because both have negotiated lower rates on dental care with the dentists involved in their networks.

Vision FAQs

Absolutely. UnitedHealthcare branded Vision insurance is available for people of all ages.F31 It’s a good supplement to fill that hole in your major medical coverage, including those who have Medicare.

Immediately. There are no waiting periods with UnitedHealthcare branded Vision insurance plans.

In some states, vision plans have a required 12-month initial policy term. Check the plan brochure for more information.