UnitedHealthcare provides a variety of dental insurance plans tailored to suit different needs, budgets, and lifestyles. Whether you're an individual, part of a family, or nearing retirement, UHC offers dental coverage designed to be both flexible and affordable—helping protect you from unexpected dental expenses. Knowing what options are available can make it easier to choose a plan that supports your personal oral health goals.
At a glance, UnitedHealthcare offers two primary types of dental plans: Dental Preferred Provider Organization (DPPO) plans and Dental Health Maintenance Organization (DHMO) plans. Each comes with distinct features related to cost, provider access, and how services are paid for.
DPPO Plans: Flexibility with a Wide Network
DPPO plans are typically the more flexible choice. They let members see any licensed dentist, but you’ll save the most by visiting providers within UnitedHealthcare’s large approved network. These plans usually include an annual deductible, coinsurance for different types of care, and a yearly maximum—the limit on what the plan will pay in a year. Preventive care, like cleanings and exams, is often covered in full, while services like fillings, crowns, or extractions are partially covered, depending on the procedure.
DHMO Plans: Lower Costs, Coordinated Care
DHMO plans require you to choose a primary dentist who coordinates all your care, including referrals to specialists. These plans generally cost less each month and don’t have annual maximums. Instead of coinsurance, you’ll pay set copayments for services. DHMO plans are a good fit if you prefer more predictable out-of-pocket costs and don’t mind sticking to a designated dental provider.
Additional Options for Specific Needs
Beyond these main types, UnitedHealthcare also offers specialized dental plans aimed at specific groups. For example, certain Medicare Advantage plans include dental coverage for preventive care, basic treatments, and sometimes more advanced procedures. Availability and details can vary based on your state and plan.
UHC dental plans come in multiple tiers. Some focus on essential care like cleanings and basic fillings, while others offer broader benefits, including orthodontics, implants, and oral surgery. While higher-tier plans often cost more, they typically provide greater access to specialized care.
Prevention Comes First
A key feature across many UHC dental plans is a strong focus on prevention. The company knows that regular checkups and cleanings can help avoid costly dental problems later. That’s why many plans fully cover preventive visits when you use in-network providers.
Managing your dental insurance is simple with UHC’s digital tools. Members can log in to review benefits, check the status of claims, and locate in-network dentists. This self-service convenience is ideal for those who prefer managing their healthcare online.
UnitedHealthcare offers a variety of dental insurance options to suit different preferences and priorities. Whether you need the provider freedom of a DPPO, the budget-friendly structure of a DHMO, or the added coverage of a Medicare Advantage plan, UHC has options to fit. The best plan for you depends on how often you visit the dentist, the type of care you anticipate, and how much flexibility you want in choosing providers.