United HealthCare Dental Vision & Hearing $3000 Benefit Plan
Taking care of your health goes beyond regular medical checkups. Dental, vision and hearing health are just as important to you overall well-being. This DentalWise combo plan with a yearly $3000 benefit provides essential coverage for your dental, vision, and hearing needs. Dental benefits include 100% coverage for preventive services like cleanings and exams from day one. Basic services, such as cavity fillings and simple extractions, are covered at 60% in the first year, increasing to 80% in the second year. Major services, including root canals, crowns, and complex extractions, are covered at 15% the first year, increasing to 50% in the second year. Implant coverage becomes available at 50% after a 12-month waiting period. Implant coverage includes a $1500 lifetime benefit. Vision benefits cover annual eye exams and offer a $150 hardware allowance for glasses or contact lenses. Hearing benefits include routine hearing exams and up to a $750 reimbursement for prescription or over the counter hearing aids every two years. This combo dental, vision and hearing plan has an annual benefit maximum of $3,000 that resets on the day you enrolled on the plan. Having a supplemental plan like DentalWise Max can provide the additional coverage you need to protect your overall health and budget.
Carrier
UnitedHealthcare
Plan Year
2025
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
Family Deductible
$100 per person
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.
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.
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.
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.
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 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 benefits of this plan plan. To learn the full benefits and terms of this plan, please see the full summary of benefits or contact your local agent. 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.