UnitedHealthOne Dental Insurance Policy Review

Getty Images/Steven Robinson.

Beautiful smiles do not always come cheap. This is where dental insurance for you and your family comes in. UnitedHealthOne provides dental coverage you can purchase through your employer or by buying an individual dental coverage plan.

Company Overview

UnitedHealthOne Insurance Company has been providing health insurance for more than 65 years and offers its insurance products including health and dental insurance for individuals and employers in 40 states and the District of Columbia.

Financial stability goes a long way in letting you know that you can depend on an insurance company to be around when you need it most. Creditworthiness tells you that the company is able to pay any claims presented and meets all financial obligations. UnitedHealthOne has received favorable financial strength ratings from these insurance rating organizations:

The company headquarters is in Minneapolis, Minnesota. As a Fortune 500 company, UnitedHealthOne has about 70 million U.S. policyholders with annual net income of more than $5 billion. UnitedHealthcare Life Insurance Company underwrites the dental plans.

UnitedHealthOne Dental Plans

Through UnitedHealthOne, there are several dental plans available providing coverage to you and your family for preventive dental care and other basic plans such as fillings. Some plans add additional coverage for major services such as root canals.

Some of the plans available to you through UnitedHealthOne include:

  • Dental Primary: $50 per person deductible for basic services when using a network provider. A $25 copay applies to preventive services. There is no waiting period for preventive care services. After you meet your deductible, you will pay 30% for basic services. There is a 6-month waiting period for basic services coverage. Major services and orthodontics are not covered under this plan. The annual maximum is $1,000 per person per calendar year.
  • Dental Primary Preferred: $50 per person deductible for basic and major services when using a network provider. There is no waiting period for preventive care services and you pay a $25 co-pay. The waiting period for basic services is 6 months and you pay 30% after meeting your deductible. Major services are covered after 12 months and you pay 50% after meeting your deductible. The annual maximum benefit per person is $1,000.
  • Dental Essential: $50 per person deductible for basic services when using a network provider. There is no waiting period for preventive care with no copay. Basic services are covered after 4 months and you pay 30% after meeting your deductible. Major services are not covered. There is an annual maximum coverage of $1,000 per person.
  • Dental Essential Preferred: $50 per person deductible for basic and major services when using a network provider. There is no copay and no waiting period for preventive care services. For basic services, there is a 4 month waiting period and you pay 30% after meeting your deductible. Major services are covered after 12 months and you pay 50% after meeting your deductible. The annual maximum is $1,000 per person.
  • Dental Premier Choice: $50 combined per person deductible for basic and  major services. No copay or waiting period for preventive services. Basic services are covered after 6 months and you pay 20% after deductible. For major services, there is a 12 month waiting period and you pay 50% after deductible. Annual maximum coverage per person increases incrementally for 4 years up to a maximum of $1,500 per person after the fourth year.
  • Dental Premier Elite: $50 combined deductible for basic and major services. You may use a non-network provider through this plan. There is no copy and no waiting period for preventive services. For basic services, there is a 6 month waiting period and you pay 20 % after deductible. There is a 12 month waiting period for major services and you pay 50% after deductible. Annual maximum coverage per person increases incrementally for 4 years up to a maximum of $1,500 per person after the fourth year.

Pros and Cons

Pros

UnitedHealthOne has a large network of participating dentists. This means that you may be able to continue to use your current dentist as long as the dentist is a preferred provider. The preferred provider list can be accessed by members to find a participating dentist near you. Some of the family plans offer annual deductibles for as low as $50 per person.

You will never have to pay the deductible on a family plan for more than three family members. Coverage is also available to individuals on Medicare. You also have the ability to add a vision insurance benefit to your coverage.

Cons

Not all dental plan options provided through UnitedHealthOne include coverage for major services and orthodontic care is not covered. Services provided by an out-of-network dentist can be significantly higher.

Contact Information

If you are interested in purchasing a UnitedHealthOne dental policy or would like to learn more about its other health insurance products, you can visit the UnitedHealthOne website or call 800-444-8990.