Our Favorite Dental Plans Series: Comprehensive Coverage with No Waiting Periods

At Utah Avenue Insurance, we're proud to offer dental plans that meet diverse needs, and one of our absolute favorites is UnitedHealthcare’s DentalWise Max Plan. This plan stands out for its implant coverage, no waiting periods, and a large national network of dentists, ensuring you’re covered no matter where you go. Plus, it even includes vision and hearing benefits, making it a fantastic value. Here’s why this plan is so special.
What’s Covered Under the Dental Plan?
Preventive Care – Keep Your Smile Healthy
Preventive services are the foundation of great dental care, and this plan covers routine exams, cleanings, and X-rays at 100%—with no deductible. You'll get two routine exams and cleanings per year to help keep your teeth in great shape and catch potential issues early. Preventive care is key to avoiding bigger, more expensive dental problems later, so we love how accessible this is.
Minor Work – Handling the Small Fixes
Minor dental services, like simple fillings for cavities, are covered starting at 60% after the deductible in the first year. By the second year, coverage increases to 80% after the deductible. This gradual increase rewards those who stay consistent with their dental care and helps reduce out-of-pocket costs over time.
Major Services – Crowns, Root Canals, and More
Major services, including crowns, root canals, and extractions, are covered at 15% after the deductible in the first year. While this may not seem like a huge benefit at first, it’s important to remember that it increases to 50% after 12 months on the plan. If you can plan ahead and wait for major services, this coverage becomes much more impactful.
Maximum Yearly Benefit – Plan Your Coverage
The DentalWise Max Plan offers a maximum yearly benefit of $2,000 per person. This benefit is calculated on a policy year basis, meaning the year begins on the day you start the plan and ends on the same date the following year. This generous maximum provides ample coverage for preventive, minor, and major dental services, making it easier to manage larger dental expenses while staying within your budget. If you have a lot of dental work that needs to be done, you can upgrade your plan to include a $3000 yearly benefit for a slightly higher cost, but we've found that $2000 meets the needs of most families.
Implant Coverage – Rare and Valuable
One of the standout features of this plan is its implant benefit, which is a $1,500 lifetime benefit (not per year or per tooth). While it won’t cover the full cost of an implant, it does offer meaningful assistance—especially since most dental plans don’t include any implant coverage at all. If you’ve been searching for a plan with implant benefits, this is one of the best options out there.
No Waiting Periods – Instant Coverage
Unlike many other plans, DentalWise Max has no waiting periods for preventive, minor, or major services (except for implants, which require 12 months). This means you can start using your benefits immediately—a huge plus for those who need dental work now. However, keep in mind that plans with no waiting periods typically come with slightly higher premiums. For the convenience and immediate benefits, though, we think it’s worth every penny.
Vision Benefits – Clear Perks for Your Eyes
This plan doesn’t just stop at dental care—it also includes vision benefits! Here’s what’s covered annually:
Eye Exam: Fully covered with a $0 copay at in-network providers.
Eyeglass Frames: Up to $150 allowance at in-network providers.
Lenses or Contact Lenses: Covered with a $10 copay, up to $150 allowance for contacts.
We especially love that Costco is an in-network provider, making it easy to access affordable, quality eyewear.
Hearing Benefits – Added Value at No Extra Cost
Good hearing is vital to your overall health, and this plan provides coverage for annual hearing exams and offers a $750 benefit toward hearing aids every two years. Whether you need prescription hearing aids or prefer over-the-counter options, this benefit can help significantly reduce your costs.
A Few Final Notes
Unlike health insurance, dental insurance can be purchased at any time of year—there’s no special enrollment period. This means you can sign up whenever you’re ready. And the sooner you enroll, the sooner you can start taking advantage of preventive care to catch and address small issues before they become bigger, more expensive problems.
Better Coverage Starts Here
At Utah Avenue Insurance, we love this plan because it offers a rare combination of comprehensive coverage, flexibility, and additional perks like vision and hearing benefits. Whether you’re looking for a plan with no waiting periods, need implant coverage, or value a national network of providers, the DentalWise Max Plan is a standout choice.
Let Us Help You Get Started
As your health insurance advocate, we’re here to help you find the perfect dental plan for your needs. Our team of agents can provide personalized quotes, walk you through the details, and handle your enrollment—so you don’t have to stress about the paperwork. Contact us today and let’s get started because, at Utah Avenue Insurance, Better Coverage Starts Here!
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