UnitedHealthOne Dental Insurance Policy Review

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UnitedHealthcare

 UnitedHealthcare

Our Take

UnitedHealthOne Dental Insurance is a comprehensive, affordable way to obtain preventative dental insurance for you and your family. However, if you need major dental work or orthodontia, you might want to look for another option.

  • Pros and Cons
  • Key Takeaways
  • Product Specifications
Pros and Cons
Pros
  • No waiting period for preventative services

  • Available to those on Medicare

  • Multiple plan options

Cons
  • No orthodontic care

  • $25 copay for preventative services on lower-tier plans

  • Not available in all states

Key Takeaways
  • Long history of operations
  • Solid financial strength ratings
  • $50 per person deductible on all plans
  • Annual maximum coverage ranges from $1,000-$1,500
  • Can also add vision insurance to your plan
  • Large network of participating dentists
Product Specifications
  • Year Founded 1974
  • Number of Plans Available 11
  • Official Website https://www.uhone.com/
UnitedHealthcare

 UnitedHealthcare

Company Overview

UnitedHealthOne Insurance Company has been providing health insurance for more than 75 years and offers its insurance products including health and dental insurance for individuals and employers in almost every state.

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 50 million U.S. policyholders with an annual net income of more than $13.8 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. There is no co-pay or waiting period for preventive care services. After you meet your deductible, you will pay 50% for basic services and 20% after the second year. There is no 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 no co-pay. There is no waiting period for basic services and your co-pay is 65% after meeting your deductible, which drops to 20% after two years. Major services are covered after 6 months and you pay 85% after meeting your deductible, which gradually drops to 40% after two years. 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 preventative services, but there is a 20% copay in the first year that becomes fully covered by year three. Basic services are covered after 4 months and you pay 50% after meeting your deductible and 20% after three years. 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 waiting period for preventative services, but there is a 20% copay in the first year that becomes fully covered by year three. For basic services, there is a 4 month waiting period and you pay 50% after meeting your deductible and 20% after three years. Major services are covered after 6 months and you pay 85% after meeting your deductible and 50%-40% after the first and second year, respectively. 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. There is no waiting period for basic services and you pay 50% after your deductible, which lowers to 20% after two years. For major services, there is no waiting period, but a 90% copay after your deductible, which drops to 50% after two years. 12 month waiting period and you pay 50% after deductible. Annual maximum coverage per person is $1,500.
  • Dental Premier Elite: $50 combined deductible for basic and major services. You may use a non-network provider through the Premier plans. There is no copy and no waiting period for preventive services. There is no waiting period for basic services and you pay 50% after your deductible, which lowers to 20% after two years. For major services, there is no waiting period, but an 85% copay after your deductible, which drops to 40% after two years. Annual maximum coverage per person is $2,000.

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. As we mentioned earlier, most 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.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. United Healthcare. "Why Choose UnitedHealthcare?" Accessed Feb. 14, 2021.

  2. S&P Global. "Insurance Ratings Actions: S&P Acts On UnitedHealth After Deal News." Accessed Feb. 14, 2021.

  3. UnitedHealth Group. "Form 10-K 2019," Page 51. Accessed Feb. 14, 2021.

  4. Statisa. "Largest Health Insurance Companies in U.S. in 2018, by Membership." Accessed Feb. 14, 2021.

  5. United Healthcare. "Dental Insurance Plans." Accessed Feb. 14, 2021.

  6. UnitedHealthOne. "Dental Primary Plans for Individuals and Families," Pages 4 & 9. Accessed Feb. 14, 2021.

  7. UnitedHealthOne. "Dental Primary Plans for Individuals and Families," Page 4. Accessed Feb. 14, 2021.

  8. UnitedHealthOne. "Dental Essential Plans for Individuals and Families," Page 3. Accessed Feb. 14, 2021.

  9. UnitedHealthOne. "Dental Premier Plans for Individuals and Families," Page 3. Accessed Feb. 14, 2021.

  10. UnitedHealthOne. "Dental Premier Plans for Individuals and Families," Pages 3 & 8. Accessed Feb. 14, 2021.

  11. UnitedHealthOne. "Dental Primary Plans for Individuals and Families," Page 9. Accessed Feb. 14, 2021.