Dental Benefit Providers United Healthcare – We know that each person has different needs, so we create our plans with that in mind. Compare coverage and find an Affordable Care Act (ACA) market plan that fits your lifestyle and budget. (Here’s a tip: Decide whether you want to pay a co-insurance or a set co-pay when you receive care. Knowing this helps people budget for their costs.)
We know you expect a lot from your health plan. So we have plans that put you first. Here are some of the benefits you can get with one of our 2023 UnitedHealthcare individual and family plans:*
Dental Benefit Providers United Healthcare
Digital Fitness Classes at No Additional Cost Get access to a premium library of thousands of live and on-demand digital fitness classes included in your plan. There’s something for just about every interest, skill, and fitness schedule—from cardio to yoga and strength training to meditation.
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Want to know which plan might be right for you? Take a look at these descriptions and decide which one is most like you.
This plan isn’t as cheap as Essential, but it comes pretty close. Offers low co-pay primary care visits with your physician and an HSA option. Like our other plans, this plan also has the virtual service option. It’s a good option if you see your doctor regularly and want something with more detail than the basic plan. Value plans are available in Bronze, Silver, and Gold metal tiers.
This is our richest plan with the most coverage. It might be a good option if you’re used to having a lot of coverage and perks (like built-in adult vision and dental benefits). It’s a good combination if you see your doctor often and are willing to pay a little more each month to pay less when you see them. Advantage plans are available at both Silver and Gold metal levels.
After 30 years in the business, we believe there is no limit to what care can do. We are committed to connecting you to better health by offering (more) health benefits designed with affordability, simplicity and reliability in mind. After all, you need a plan that will be available anytime, anywhere, hassle-free.
Best Dental Insurance Companies Of 2023
As the #1*** health insurance company in the nation, we continue to deliver on that promise through community-based healthcare programs, cost-effective plan options, and support to guide you along your healthcare journey. No matter what type of UnitedHealthcare coverage you choose, we’re here to provide:
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Golden Rule Dental Insurance from United Healthcare offers extensive experience and the stability of a great company. The care itself includes many free preventive coverages. Plans are varied, with options for everyone, including seniors, children, and anyone who wants to use out-of-network dentists.
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United Healthcare is the parent company that purchased Golden Rule in 2003 and now uses it as an underwriter. It’s one of the few providers in our guide to the best dental insurance (Opens in a new tab) that offers up to four different dental insurance plans, making it a good choice for anyone who needs variety of coverage and access to a wide range of dentists.
The company has over 65 years of experience and an A+ rating from Standard & Poor’s, which means you don’t have to worry about continued coverage support from this Fortune 500 company. But does that mean it’s right for you? Let’s take a look at what’s on offer…
Visit the official website and you can browse United Healthcare’s Golden Rule plan options to find the one that’s best for you, where you can instantly check pricing. You can also order your chosen plan online, making the process very simple.
Expect most preventative care to be covered for free, with a lot more beyond that covered as well. The only thing you might find missing is the endodontics; so if that’s what you need coverage for, this may not be the right dental insurance company for you. We recommend taking a look at our explainer on what dental insurance covers (Opens in a new tab). For everything else, keep reading as you can find out everything you need to know about United Healthcare’s Golden Rule dental insurance.
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United Healthcare Golden Rule dental insurance uses a decent website to quickly and easily provide quotes on the plan for you. This, he claims, can take as little as 30 seconds and seems almost fair. Enter a few details like location, name and age and you can start finding the best plan for you, with clear pricing provided up front so you know what to do on a budget.
There are both in-network and out-of-network options, with the former having a wider range of plans. Age is another factor with plans tailored to suit an individual’s needs. Older people, for example, enjoy specific coverage for things like dentures, while children can have coverage for orthodontics.
Coverage varies between plans, but at a basic level, you can expect to get most preventive care for free, especially with more advanced plans. That means there’s no waiting period or deductible to worry about.
To put that in perspective, all plans offer two annual dental checkups and routine cleanings. You also get a bite x-ray once a year and a full mouth x-ray every 36 months. For older clients, expect a full set of dentures every 60 months and a crown or bridge per tooth every 60 months.
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To take care of your teeth as much as possible between trips to the dentist, make sure you’re cleaning your teeth twice properly for two minutes twice a day with one of the best electric toothbrushes (Opens in a new tab). If you’re dealing with stains, check out our guide to the best teeth whiteners (Opens in a new tab) for home use.
If you’re wondering how much dental insurance costs, it varies greatly by provider. With United Healthcare’s Golden Rule, the cost of care varies tremendously as plans have so many options. That means you might be eligible for a payout of just $21 a month, or you might want to go as high as $192.
Realistically, for most people, prices range from $35 to $55 per month. At the very least, the maximum annual benefit amounts to $1,000, while at the top it reaches $2,000. Alternative providers to check out include Delta Dental (opens in new tab) and Guardian Direct (opens in new tab).
The plans clearly show the variations between each, making it relatively simple to choose the best one to suit your needs. The four options are broken down like this:
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The Better Business Bureau (BBB) gives United Healthcare’s parent company an A+ rating. Look at the feedback and there is only one specific dental complaint and it’s not even about the insurance plan itself.
ConsumerAffairs (opens in a new tab) aggregates user reviews and has an overall rating of just under three stars out of five for the company. Positives include great knowledge and care provided by the staff and appreciated free cleanings and decent co-pays. The negatives seem to focus on not getting as much money as expected to cover the charges.
United Healthcare’s Golden Rule insurance offers possibly the widest range of plan options available. The site lays it all out with clear pricing, what’s covered, and the ability to sign up quickly.
All plans cover the basics for preventative care, making it a potentially affordable option. For older clients or families, there are great options for dentures and orthodontics. For those looking to leave the network of dentists, this is also an option with tailor-made plans – ideal for those who travel a lot.
Dmos Using Gift Cards To Attract New Members But It’s Illegal For Dental Providers
Customers seem to appreciate the company’s services, but there have been some complaints about incorrect payments. Everything seems to be clear on the website, so make sure you know what you need before signing up.
If you want more alternatives, take a look at our MetLife review (Opens in new tab) for Family or Human coverage (Opens in new tab) for six different plans.
Luke is a veteran technology journalist with decades of experience covering everything from TVs, power tools,
