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United Healthcare Golden Rule Dental Insurance offers a wealth of experience and the stability of a huge company. The service itself includes many free preventive services. The plans are varied, with options for everyone, including seniors, children, and those who want to use offline dentists.
United Healthcare Dental Provider List
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Medical Emergencies In The Dental Practice Poster: Revised And Updated
United Healthcare is the parent company that bought Golden Rule in 2003 and now uses it as an underwriter. It is 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 those who need coverage variety 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 support from this Fortune 500 company. But does that mean it’s right for you? Let’s see what’s on offer…
Go to the official website and you can browse United Healthcare Golden Rule Plan options to find the best option for you, where you can check prices right away. You can also apply for the plan of your choice online, which makes the process very easy.
Expect most preventive services to be covered free of charge, and more. The only thing you might be missing is endodontics, so if that’s what you need coverage for, this dental insurance may not be right for you. We recommend taking a look at our explanation of what dental insurance covers (opens in a new tab). For everything else, read on as you can find out everything you need to know about United Healthcare Golden Rule dental insurance.
Healthcare Marketplace Individual & Family Plans
United Healthcare Golden Rule Dental Insurance uses a decent website to quickly and easily provide you with plan quotes for you. This is claimed to take as little as 30 seconds, and that seems almost fair. Enter a few details such as location, name and age and you can start looking for the best plan for you with a clear price given to you up front so you know what to expect.
There are both on-chain and off-chain options, with the former having a wider range of plans. Age is another factor when plans are considered according to individual needs. Older adults, for example, have special coverage for things like dentures, while children may have coverage for orthodontics.
Coverage varies by plan, but at a basic level, you can expect free preventive care, especially on the more expensive plans. This means no waiting period and no deductibles to worry about.
By comparison, all plans include 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. Elderly clients should expect a full set of dentures every 60 months and one crown or bridge per tooth every 60 months.
Dental Insurance Providers Network
To take the best care of your teeth between dentist appointments, make sure you brush your teeth properly for two minutes twice a day with one of the best electric toothbrushes (opens in new tab). If you’re dealing with staining, 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 a lot depending on the provider. According to the United Healthcare Golden Rule, the cost of medical care varies greatly because there are so many options in the plans. This means that you may be eligible for a payout of only about $21 per month, or you may want to go up to $192.
In fact, for most people, the price will range from $35 to $55 per month. The minimum annual maximum benefit reaches $1,000 and the maximum value reaches $2,000. Alternative providers to check out include Delta Dental (opens in a new tab) and Guardian Direct (opens in a new tab).
The plans show the differences between each quite clearly, making it relatively easy to choose the best option for your needs. The four options are broken down as follows:
Unitedhealthcare Medicare Insurance Review
The Better Business Bureau (BBB) has given parent company United Healthcare an A+ rating. Look at the reviews and there is only one specific complaint about the dentist and it doesn’t even involve the insurance plan itself.
ConsumerAffairs (opens in a new tab) collects user feedback and has an overall rating of just under three stars out of five for the company. The positives include the excellent knowledge and care of the staff, as well as the appreciation of the free cleaning service and decent extras. The negatives seem to be centered on the fact that as much money as expected was not sent to cover costs.
United Healthcare Golden Rule Insurance offers perhaps the widest selection of plans. The website has it all listed with clear prices, what is covered and the ability to sign up very quickly.
All plans cover basic preventive services, making them potentially affordable. For older clients or families, there are great options for dentures and orthodontics. For those who want to go beyond the chain of dentists, this is also an option with plans tailored to that – ideal for those who move around a lot.
Best Dental Insurance For Seniors Of 2023
Customers seem to appreciate the company’s services, but there have been several complaints about incorrect payouts. The site is self-explanatory, so make sure you know what you need before signing up.
If you need more alternatives, check out our review of MetLife (opens in a new tab) for family insurance or Humana (opens in a new tab) for six different plans.
Luke is a seasoned tech journalist with years of experience in everything from TVs, power tools, science and healthcare to VPNs, space, games and cars. You can recognize him from speeches on many news channels or read his words that have been published in most technical publications over the years. In his free time (of which he has little since he is a father of two), Luke loves yoga, surfing, meditation, craftsmanship, and devours every book, comic book, and movie he can find. United HealthOne is the largest single health care provider in the country. As such, they offer an excellent selection of dental insurance for Indiana residents.
More dentists in your provider network means you’re more likely to stay with the same dentist you see today, and you’ll also have travel insurance coverage. The network providers agree to accept the agreed rate.
What Is Universal Health Care?
Your eyes are also an important part of your health. You can also add vision benefits (available in most areas for an additional fee) to your dental plan. Covering eye exams for contact lenses. Add it today for extra coverage.
Preventive care does not have a waiting period, and depending on the plan structure, you pay a $25 copay or nothing. For basic and essential services, there is a maximum of 3 individual deductibles of $50 per family per calendar year. Our Premier plans offer a combo deductible for basic and essential services, which is especially beneficial for larger families.
The lack of an age limit means that even people covered by Medicare can apply. Good dental health is important at any age. We have plans to suit your age and life stage.
UHC offers four plan options. The “Basic” plans have a lower maximum benefit (annual payout limit), while the “Premier” plans have a higher benefit that increases over time. From these, you can choose the plan that works best for you, depending on whether your doctor is in the network.
Surest Health Plan Information For Providers
All Plans: Preventive Services Preventive services are covered without a deductible, co-insurance, or waiting periods. Dental Primary and Dental Primary Preferred plans have a $25 copay for preventive services.
Primary Preferred, Premier Choice, and Premier Elite plans only: Essential Services (as stated in the policy) Essential Services are covered by deductible, co-insurance, and waiting periods. Not available on all plans. Basic services have a 12-month waiting period. • Root canals – no more than 1 time per tooth in a lifetime. • Treatment of gum disease. • Crowns – no more than 1 per tooth within 60 months. • Surgical removals. • Complete dentures – no more than 1 time in 60 months. • Bridges – no more than 1 time per tooth within 60 months. • Repair of crowns, dentures and bridges. • Maxillofacial Surgery. • Inlays/onlays – no more than 1 per tooth within 60 months.
Change or Distortion of Residence (Address) You must notify us within 60 days of the change of residence. Your premium based on your new location will start on the first term after the change. If you incorrectly list your place of residence on the application or do not notify us of your change of residence, we will apply the correct premium on the first date you lived at that place of residence.
