United Healthcare offers healthcare services with large networks and multiple plan options. Its dental insurance plans are varied, including plans that are cheaper and have copays, and plans that cover preventative care 100 percent. However, it has long waiting periods for certain procedures, and it doesn't cover certain pre-existing conditions.
While you can get preventative services right away, basic procedures, such as fillings, restorations and extractions, require a four- to six-month wait. Major services like root canals are not covered in the first year. Dentures and bridges are only covered for teeth lost while you have been on the United HealthCare's insurance. This dental insurance company does not pay for the replacement of any tooth you lost before signing on with United. If you were born without certain teeth, this insurance company does not reimburse you to replace them. This could be an issue for people who do not have adult teeth to replace their baby ones. Many restorative works like crowns can only be replaced once every five years.
This service does offer an advantage for large families. The family deductible caps out at $150 a year, regardless of whether you have one child or 10. However, it does not cover orthodontia, so you need supplemental insurance should any of your children need braces. For a small additional fee, you can add vision insurance.
The website is not as well organized as others we reviewed. There are many pages that all have a little information. It offers a PDF under each plan listed. The way the site is set up, you think you are downloading information specific to the plan you select, but the links all lead to the same PDF that covers every plan. It takes a lot of clicking just to make comparisons. The website takes you by state and gathers information before leading you to the insurance for your area, but defaults back to health insurance, even if you had originally clicked on dental. Finding a dentist was not as easy with this website as it was with other dental insurance websites.
United Healthcare is a large health insurance company that offers dental insurance plans. These plans can save you money vs. simply paying for the usual check-ups and care yourself. It partially covers bigger procedures, but you must wait at least four months before this dental insurance company will approve paying for any basic services like fillings and a year for more extensive needs like root canals or dentures.
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