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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.

View plan benefits

Our comparison chart helps you find your best fit by listing important plan benefits side-by-side.

Plan comparison

Plan at-a-glance

Network coverage

Network dentists recommended, out of network dentists allowed

Preventive care

Most or all preventive care provided by a network is covered at little or no cost to you

Annual maximum

This plan includes an annual maximum which is the most the plan will pay for the plan year

Cost-sharing

No copay for services

Referrals

No primary care dentist or referral to see a specialist required.

Dental annual deductibles and annual maximums

Annual deductible (per person)

	Network	Out-of-network
Individual	$48	$50
Family	$150	$150

Annual deductible - orthodontic services (per person)

	Network	Out-of-network
Individual	$0	$0
Family	$0	$0

Annual maximum

	Network	Out-of-network
Preventive and basic services (per person per year)	$1,000	$100
Orthodontics (per person per lifetime)	$1,000	$1,000

Annual deductible (per person)

	Network	Out-of-network
Individual	$48	$50
Family	$150	$150

Annual deductible - orthodontic services (per person)

	Network	Out-of-network
Individual	$0	$0
Family	$0	$0

Annual maximum (per person per calendar year)

	Network	Out-of-network
Preventive and basic services (per person per year)	$1,000	$100
Orthodontics (per person per lifetime)	$1,000	$1,000

Dental costs - copays ($) and coinsurance (%)

Preventive and basic services

	Network	Out-of-network
Routine exams and adult cleanings	100%	100%
Fillings	80%	80%
Crowns (porcelain)	50%	50%

Preventive and basic services

	Network	Out-of-network
Routine exams and adult cleanings	100%	100%
Fillings	80%	80%
Crowns (porcelain)	50%	50%

Are your providers in network?

Find out if your dental care provider is in the network.

Coverage overview

Plan benefits

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.
Provider network

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.

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.

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.

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

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

Dental PPO 20

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