UnitedHealthcare is a well-known insurance provider. It's mission is to help people live healthier lives and to help make the health system work better for everyone.
The company is continually working with health care professionals and other key partners to create a health care system that is accessible and affordable to all.
UnitedHealthcare and Optum (health information, technology, and services firm) have managed to provide medical benefits to people throughout the nation and in more than 130 other countries. In the United States, UnitedHealthcare has a network that includes over 1.3 million physicians - and other health care professionals - and more than 6,000 hospitals and other facilities.
For specifics on dental insurance coverage available through United Healthcare, individuals must provide their address, age, gender, and other information to view the cost and coverage available for dental care and treatment in their area.
As you look at dental coverage options, pay attention to what kind of dental work is covered, including preventive services and basic services. Preventive care typically includes cleanings and fluoride treatments. Basic services include fillings. Check to see what major dental services are covered. Major services usually include root canals and retainers.
Be sure to understand whether or not there is a waiting period. While some plans might not have a waiting period, some plans do. The period can range anywhere between 4 and 12 months.
Some UnitedHealthcare dental insurance plans may include cost-sharing or discounts for orthodontic care. Some plans may only offer orthodontic coverage for children, though some may offer coverage for adults.
Once you understand the coverage, you need to evaluate the cost. The plan's full costs includes copays, monthly premium payments, and the deductible. Consider how much dental work you'll need and estimate those costs. This will help you find an affordable plan that fits into your budget.
Those who are unfamiliar with the ins and outs of a dental insurance plan can visit the UnitedHealthcare Frequently Asked Questions page and get answers to common dental insurance questions. UnitedHealthcare does a fantastic job of explaining how dental insurance works, specific terms, the scope of coverage, and even coverage options for seniors.
The UnitedHealthcare app is handy as it allows you instant access to your health plan details. The app includes the following features:
You can download the app for free from the App Store® and Google Play®.
UnitedHealthcare also offers plans that employers can offer employees. It's much easier to find general information on the kinds of dental plans offered to employers. Employers can choose a PPO, INO, or Select Managed Care plan. Preferred Provider Organization (PPO) plans offer coverage outside of its network of dental providers. In-network only (INO) plans only offer coverage when visiting participating care providers. Select Managed Care plans offer coverage only for in-network care. These plans also provide direct compensation.
Some plan structures are not available in every state. Employers should work directly with UnitedHealthcare to learn more about options and their costs in their area.
For those interested in purchasing health coverage or vision insurance along with dental coverage, UnitedHealthcare offers other insurance products. These include health insurance, short term health insurance, and supplemental insurance plans. Its supplemental insurance plans include hospital and doctor insurance, vision, term life, international travel, accident, hospitalization, critical illness, and student health insurance.
If you're eligible for a Medicare plan, UnitedHealthcare partners with the AARP to offer Medicare plans.
For employers, UnitedHealthcare also offers medical, vision, life, accident, critical illness, disability, hospital indemnity, hearing, and global insurance. Employers seeking to offer more than dental benefits to employees can find additional insurance products from UnitedHealthcare.
Because UnitedHealthcare requires people to enter their address, age, gender, etc. it is difficult to give a general evaluation of the company's dental insurance plans. Depending on the given information, the plans will vary in price, coverage, and availability. You should should pay attention to what dental services will be covered, like routine cleanings, dentures, orthodontics, etc.
You should also see if there are any waiting periods, and discount differences between an in-network provider and an out-of-network provider when considering a dental policy. If you like your current dentist, you should see if they are a network dentist on the plans you're considering.
Alex O Oceanside, CA
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