Dental PPO 20
With the Dental PPO, you can see any dentist you want, anywhere across the country. When you choose a dentist who is part of the plan’s large national network, you receive discounted rates only available to members.
Referrals are not needed to see a network specialist.
Preventive care, including routine exams and cleanings, is most often covered when you see a network provider.
Additional wellness benefits available with this plan include extra benefits during pregnancy and for three months after delivery, oral cancer screenings for adults, and teledentistry coverage to provide a clinical consultation 24/7 up to 2 times per every 12 months.
Compare to help find the right dental plan
Our comparison chart helps you find your best fit by listing important plan benefits side-by-side.
Plan at-a-glance
Dental annual deductibles and annual maximums
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Network Out-of-network Individual $48 $50 Family $150 $150 -
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Network Out-of-network Preventive and basic services (per person per year) $1,000 $100 Orthodontics (per person per lifetime) $1,000 $1,000
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Network Out-of-network Individual $48 $50 Family $150 $150 -
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Dental costs - copays ($) and coinsurance (%)
Are your providers in network?
Find out if your dental care provider is in the network.
Coverage overview
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Get coverage on hundreds of services including crowns, braces, silver fillings and more. Preventive care, including routine exams, cleanings and fluoride treatment is covered 100% in the network. In addition, expectant mothers get extra coverage for cleanings both during pregnancy and three months following delivery (benefit not available in all states). Oral cancer screenings are covered for adults age 18 and older.
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Select any dentist you want, anywhere across the country. When you choose a dentist who is part of this plan's large national network, you receive discounted rates on covered services. To see a specialist, you do not need a referral.
Cost sharing
Most dental plans share the same idea: there’s what you pay for care, when you pay for it, and how much of those care costs you and your plan share.
You pay a deductible
For services other than preventive care, you pay a deductible - a set dollar amount - before your coverage kicks in.
You pay coinsurance
As soon as the deductible is met, you and the plan will share the costs of services you received. Known as coinsurance, this is the percentage of costs you pay for covered dental care.
Your plan pays until it reaches the annual maximum
The plan pays for services up to a set dollar amount, called an annual maximum. If you reach the maximum amount, you’ll need to pay the entire cost of any additional dental care you receive that year.
Programs to smile about
Getting regular care is key to your oral health. Our dental plans include programs designed to keep your teeth and gums healthy and your costs under control.
24/7 Virtual dental visits
Get 2 virtual dentist visits in addition to the routine in-person exams included in this dental plan. You may need to pay an out-of-pocket cost for additional visits. Use virtual dental visits:
- Connect with a state-licensed, fully credentialed dentist by computer or phone — so you can get the care you need whenever, wherever
- Consult with a dentist on a variety of nonemergency dental conditions, from oral pain to orthodontia needs
- Get a second opinion, treatment options, or a medically necessary prescription
Important: Data rates may apply. Dental virtual visits are currently unavailable in Maine and Texas. Services may not be available in all states or for all lines of business.
Extra dental care dollars
Our Consumer MaxMultiplier® rewards you for keeping up with your dental care by adding dollars to next year’s annual maximum. Here’s how it works:
- You and each covered family member can qualify for rewards by visiting the dentist at least once during the plan year, with claims below the plan’s set amount
- Reward dollars help pay for claims exceeding your annual maximum
- Unused reward dollars roll over each year
Rewards are not cash. They are added to your annual maximum for the following year and applied to qualifying claims.
Extra dental savings
The FlexAppeal Preventive MaxMultiplier covers preventive dental care without it counting toward the plan’s annual maximum, helping you save these annual maximum dollars for care like crowns or fillings. This benefit covers:
- Exams
- Cleanings
- X-rays
- Fluoride treatments and sealants for children
Stay connected to dental care from anywhere
With the UnitedHealthcare Dental Care app, you can:
- Find a neighborhood dentist
- Access our Dental Cost Calculator tool to calculate and review procedure estimates
- Manage dental claims
- Access your digital ID card