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Dental PPO

View plan benefits

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 specialist. Preventive care, including routine exams and cleanings, is usually covered in the network.

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Plan highlights

Network coverage

Network dentists recommended, out of network dentists allowed

Preventive care

Preventive care provided by a network dentist is covered at 100%

Annual maximum

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

Copays

No copay for services

Primary care dentist and referrals

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

Dental annual deductibles and out-of-pocket maximums

  • Annual deductible (per person)

  • Annual deductible - orthodontic services (per person)

  • Annual maximum

  • Annual deductible (per person)

  • Annual deductible - orthodontic services (per person)

  • Annual maximum (per person per calendar year)

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

  • Preventive and basic services

  • Preventive and basic services

Are your providers in network?

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

Search the National Options PPO 30 Network Opens in a new tab
Search the dental Options PPO 20 Provider Network button Opens in a new tab
Search the dental Solstice provider network button Opens in a new tab

Coverage highlights

  • Plan benefits

  • 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.

Dental programs

Getting regular preventive care is important to maintaining good oral health. With this in mind, our dental plan programs are designed to help you keep your teeth and gums health while also helping you control costs.

24/7 Virtual dental visits

With virtual dental visits — also called teledentistry — there’s an easier way to see a dentist without going to the dentist’s office. Use virtual dental visits to: 

  • Get two virtual dental visits at no additional cost to you. These virtual visits are in addition to the routine in-person exams included in your plan. You may need to pay an out-of-pocket cost for additional visits.  
  • Connect with a state-licensed, fully credentialed dentist by computer or mobile device — so you can get the care you need whenever, wherever 
  • Get a second opinion, treatment options or a medically necessary prescription 
  • Consult with a dentist on a variety of nonemergency dental conditions, from oral pain to orthodontia needs, and more 

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.  

FlexAppeal Enhanced Program

Extra cleanings and gum care

As part of this dental plan, the FlexAppeal Enhanced program is designed to help you keep your teeth and gums healthier by including these three benefits: 

  • Additional cleanings or gum treatments if you’ve been treated for a periodontal (gum) condition. Your dentist will advise you on the need for this.
  • White fillings for back teeth 
  • Dental implants to replace missing teeth due to injury or disease

Consumer MaxMultiplier Program

Extra dental care dollars

Included with this dental plan, our Consumer MaxMultiplier® program rewards you for keeping up with your dental care by adding dollars to next year’s annual maximum. Here is how it works:

  • You and each covered family member can qualify and earn your own awards by visiting the dentist at least once during the plan year. Your dental claims must also be less than the amount set by the plan. 
  • Award dollars will help pay for claims that go beyond your annual maximum
  • Any unused award dollars can roll over each year

You will not actually earn cash that you can access or withdraw. UnitedHealthcare adds those award dollars to your annual maximum for the following year and applies them to qualifying claims.

Step-up Preventive Plan

Rewards for preventive care

The Step-up Preventive program is designed to encourage you to take advantage of preventive care services. Included in the dental plan, this program rewards you for completing preventive care. Here is how it works. 

  • When you complete your preventive care requirements in plan year 1, you'll "step-up" to a higher coinsurance benefit in year 2.
  • If you satisfy preventive care requirements in year 2, the benefit "steps up" again in plan 3. If you don't meet the requirement during the following year, the benefit will "step down" to the prior year's percentage.
  • If you don't meet preventive care requirements, you will not see a change in your benefit.