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Find dental and vision coverage your budget can love

A great smile starts here

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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.

Terms to know

Deductible The amount of covered expenses you pay before your insurance plan starts to pay for covered expenses.

Preventive Services Routine cleaning, X-rays, and exam

Basic services Services related to minor dental work like fillings, local anesthesia and simple nonsurgical extractions.

Major services Services related to more complex dental work like root canals, crowns and oral surgery. Does not cover braces or implants.

Allowance A maximum benefit amount paid by the plan. Any amount exceeding the allowance is the insured’s responsibility.

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. 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.

No, these plans do not cover braces or orthodontic services.

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.

The benefits covered by these plans do not have waiting periods. If exploring other plans there may be waiting periods for specific services.

Vision FAQs

You can choose a standalone vision insurance plan or in many states add an optional vision benefit to a dental plan you're planning to buy. To find out more about your vision coverage options, enter your zip code here. Or, call us for help.

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