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United HealthCare Dental Vision Hearing 3000 Plan

Introducing our comprehensive Dental, Vision, and Hearing Combo Plan with no waiting periods on services except implant coverage. For your dental health, we offer a remarkably low $100 deductible for dental services, and here's the kicker: preventative care is covered at 100% before deductible. Basic services like fillings enjoy a generous 60% coverage in the first year, which increases to an impressive 80% in the second year. When it comes to major services like crowns, you'll receive 15% coverage in the first year and a substantial 50% coverage in the second year. Implants are covered on this plan after 24 months and covers 50% of the cost of implants up to $1500. This dental plan has a $3000 max benefit per year. With this plan, your eye exam is fully covered at 100%, ensuring you maintain crystal-clear vision. Plus, you'll receive a generous $150 allowance for glasses or contacts, helping you see the world with clarity and style. A 100% covered hearing exam ensures you stay tuned in, and you'll be delighted to know that we provide $750 for hearing aids every two years, ensuring that you never miss a moment.

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 health plan's plan year typically spans 365 days starting when you sign up for 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

A family deductible is the amount the entire family must pay out of your own pocket before your insurance coverage starts. It's a way to share costs between you and the insurance company.

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Preventative Care

With the United HealthCare Dental/Vision/Hearing 1000 Plan, your preventative dental care is a top priority. We go the extra mile by covering preventative services at an outstanding 100% even before you meet the deductible. This means you can have your regular check-ups, cleanings, and X-rays without worrying about out-of-pocket expenses. We believe that prevention is key to maintaining a healthy smile, and this plan fully supports your commitment to oral health.

Minor Dental Services

Minor dental services, such as fillings, are an essential part of dental care, and our plan has you covered. In the first year, you'll enjoy a substantial 60% coverage for these services, which increases to an impressive 80% in the second year. The United HealthCare Dental/Vision/Hearing 1000 Plan is designed to ensure that your out-of-pocket costs for these minor procedures remain manageable while still receiving high-quality care.

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Major Dental Services

When it comes to major dental services like crowns, we understand that these procedures can be significant investments in your oral health. In the first year, our plan provides a helpful 15% coverage for major services, and this coverage expands to a substantial 50% in the second year. While we may not cover implants or orthodontic treatments, we are committed to assisting you in achieving and maintaining a healthy smile through our comprehensive dental coverage.

Orthodontia for Children

It's important to be aware that the United HealthCare Dental/Vision/Hearing 1000 Plan, while designed to offer comprehensive coverage for a range of essential dental, vision, and hearing services, does not include coverage for orthodontic treatments. Orthodontic care, which includes services such as braces and aligners, is a specialized field within dentistry that may require separate coverage or considerations. While orthodontic treatments are not part of this plan, we are here to assist you with your general dental needs and ensure you have access to quality care. Should you require orthodontic treatment, we recommend exploring alternative options or considering supplemental coverage specifically tailored to orthodontics. Our team is available to provide guidance and support to help you make informed decisions regarding your dental health and treatment choices. Your satisfaction and well-being are our utmost priorities, and we are dedicated to assisting you on your healthcare journey.

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Implant Coverage

In our commitment to providing comprehensive coverage, we are pleased to introduce implant coverage as part of the United HealthCare Dental/Vision/Hearing 1000 Plan. However, it's important to note that there is a 24-month waiting period for implant coverage from the date of enrollment. After this waiting period, our plan covers 50% of the cost of dental implants, helping you achieve a healthier and more confident smile. We also offer a generous lifetime maximum benefit of $1500 per person for implants, ensuring that you have financial support when you need it most. This coverage reflects our dedication to meeting your dental needs and enhancing your overall well-being.

Maximum Yearly Dental Benefit

Our United HealthCare Dental/Vision/Hearing 1000 Plan offers a maximum yearly benefit of $3000 to help you manage your dental expenses. What's great is that this benefit resets every 12 months from the date you enrolled in the plan. This means you can count on consistent support for your dental needs year after year. We're here to ensure your dental health remains a top priority without breaking the bank.

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Vision Benefit

The vision plan covers your exams 100% and has no waiting period. There is a $10 copay and up to $150 allowance for glasses or contacts when using an in-network provider. Out of network benefits are available as a reimbursement for up to $50 for an eye exam and up to $105 allowance for contacts or $155 for glasses. Visit https://www.myuhcvision.com/ for a list of participating providers

Included Hearing Benefit

Hearing exams are covered 100% with no waiting period. There is up to a $750 allowance for hearing aids every two years. Hearing benefits are only available when using an in-network United Healthcare Hearing network provider. Visit https://uhchearing.com/CLICO for a list of in-network hearing providers.

Auditory Training

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

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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! 

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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.

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. 

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