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United Healthcare DentalWise 1000 Plan
Discover the United Healthcare DentalWise 1000 Plan, your pathway to comprehensive dental coverage! With a reasonable $100 deductible per person, this plan offers top-notch dental services for you and your family. Enjoy the convenience of cleanings fully covered even before meeting the deductible. There's no waiting period for services, and after the deductible is met, basic work like cavity fillings is covered at 60% in the first year and a solid 80% thereafter. For major work such as root canals and crowns, receive 15% coverage in the first year and a remarkable 50% in the second year. Plus, there's a generous $1000 maximum benefit per person each year to ensure your dental needs are met.
Carrier
UnitedHealthcare
The company that provides and manages your insurance coverage. You pay your insurance premiums, which are regular payments to maintain your coverage, directly to the carrier.
Plan Year
2024
A dental plan year typically spans one year from when you enrolled in the plan. At the start of each new year, plans reset, and any deductibles, out-of-pocket maximums, and benefits calculations begin anew.
Individual and Family Deductible
Dental insurance plans offer individual and family deductibles to accommodate varying needs. Individual deductibles require a specific out-of-pocket payment before insurance coverage applies to dental procedures, while family deductibles consolidate these costs for the entire family's dental expenses.
These plans typically categorize dental work into minor and major procedures. Minor work covers routine treatments like fillings and simple extractions, with insurance sharing the cost. In contrast, major work, which includes procedures such as root canals or crowns, often requires a larger patient contribution. It's important to note that the deductible normally doesn't apply to preventative care, such as check-ups and cleanings, which are often covered at no cost, emphasizing their role in maintaining oral health without additional financial burden.
Individual Deductible
$100
A deductible is the amount you pay out of your own pocket before your insurance coverage starts. It's a way to share costs between you and the insurance company.
Family Deductible
$100 per person
Family deductible is the amount the entire family, or everyone enrolled on the plan, must meet before insurance pays a portion of your covered services.
Preventative Care
With the United Healthcare DentalWise 1000 Plan, preventive care is a breeze. Cleanings are fully covered at 100% even before the deductible, ensuring you can maintain your oral health without worrying about costs.
Minor Dental Services
Basic dental procedures, like cavity fillings, are covered at 60% after the deductible in the first year, increasing to 80% in subsequent years. This helps you address common dental issues with cost-effective coverage.
Major Dental Services
For major dental treatments such as root canals and crowns, the plan offers 15% coverage after the deductible in the first year, increasing significantly to 50% in the second year. This provides gradual financial support for extensive dental procedures.
Orthodontia for Children
It's important to note that orthodontic treatments, such as braces or aligners, are not covered under this plan. If orthodontic care is needed, individuals should consider alternative coverage options or make separate financial arrangements for these specialized treatments to meet their specific dental requirements.
Implant Coverage
Please be aware that dental implants are not covered under the United Healthcare DentalWise 1000 Plan. If you require dental implant surgery, you should prepare for potential out-of-pocket expenses and explore alternative dental coverage options or financial arrangements.
Maximum Yearly Dental Benefit
Enjoy peace of mind with a maximum benefit of $1000 per person each year. This generous allowance ensures you can access essential dental services without concerns about exceeding your budget, providing financial security for your oral health.
Full Summary of Benefits and Helpful Links
Official documents, such as your insurance policy or Summary of Benefits and Coverage (SBC), outline the details of your coverage, including deductibles, copayments, and covered services. Provider links, often available through your insurance company's website, offer directories of in-network healthcare professionals and facilities, helping you find the right doctors and hospitals that are covered by your plan. Utilizing these resources can empower you to make informed healthcare decisions and effectively navigate your insurance coverage.
Helpful Links
Schedule a consultation with a local Utah health insurance agent
We're happy to meet with your in-person or over the phone to help you with your health insurance needs. We can help you with health insurance on or off the marketplace, Medicare Advantage & supplements, dental insurance, vision insurance, life insurance or accident plans. Thank you for letting us be your advocate. Best part, is our help is always free!
This is a quick snapshot of the most popular copays, deductibles, and coinsurance that you would be responsible for on this dental plan. Preventative services include dental cleanings, exams and x-rays. Most plans cover your preventative care every 6 months with no waiting period. Basic dental work includes minor services like filling a cavity and may have a waiting period before these services will be covered on your plan. Major work includes services like crowns and root canals and may have a waiting period before these services are covered. Dentures and implants are normally NOT included in dental insurance. If you need coverage for these services, please let your local agent know so that you have a plan that includes those services.
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To learn what each of the terms mean, please visit our terms and definitions page. Copays and coinsurance listed are amounts that you would pay after deductible unless specified otherwise. This is not a full list of services included on the plan. This snapshot is not guaranteed to be accurate. To verify plan benefits or for full details please see the full summary of benefits or or get a complete terms of coverage on the health plan carrier's website.
***Out of Network Limitations and Balance Billing
Some dental plans offer out of network coverage. This is a great benefit because you can visit any dentist in the nation. Which means that if you are traveling, or have a dental emergency, you can visit a dentist for the service you need right away and have a portion of your bill covered by your dental insurance. Please note that if you see an out of network provider, that dentist is allowed to "balance bill" you. This means that your dental insurance company pays your dentist what is reasonable and customary for the services you received. In most situations that dentist accepts that payment and you are only responsible for your portion of the bill. Occasionally, that dentist will decide that the reasonable and customary amount they received from the dental insurance is not enough. That dentist will bill you for the additional charge or 'balance bill' you. You are responsible to pay this amount or contact the dentist to work out a payment plan.