Dental insurance

Find dental insurance plans for individuals and families

Dental health is an important part of your overall health. Dental plans can help you plan and budget for the costs of dental care. With a variety of plans available, you can find basic dental coverage for general dental care or choose coverage for major care, such as dental implants. Dental insurance plans are underwritten by Golden Rule Insurance Company, and include a range of options so you can find one that's most affordable for you. 

Choosing a dental insurance plan

Dental insurance plans can help you manage your dental care costs better by offering the benefits you need to stay on top of your oral health. Learn how UnitedHealthcare branded dental plans from Golden Rule Insurance Company offer more of the benefits you want. 

Why choose UnitedHealthcare?

More choices to fit more budgets

Choose from multiple dental plans with different levels of benefits to find the best dental insurance fit for your budget.1

Preventive care right away

Get access to preventive care on day 1 of your plan — no waiting period.

Large provider network

Choose from a nationwide network of dentists who offer dental work to members at negotiated lower rates. 

Access to more benefits

Get benefits like discounts on hearing aids and access to add vision insurance for an additional premium. 

What do dental plans cover?

Depending on the plan you choose, our dental insurance benefits can include:

Depending on the plan you choose, our dental insurance benefits can include:

Preventive care

Covers routine cleanings for all covered persons and fluoride treatments for those under the age of 16 on the plan, often with no deductible or waiting period.

Basic services 

This often includes simple fillings or emergency treatment for dental pain.

Major services

This can include retainers and root canals. These are often subject to the plan’s deductible and waiting periods.

Access to a wide dental network 

Including dental offices in both private and retail settings. 

Direct payment to in-network dentists 

No need to submit claim forms.

No age restrictions

Find coverage for every member of your family and every stage of life.Even if you are on Medicare, which doesn’t include dental benefits, we have plans designed specifically for seniors.

How can dental plans make dental care more affordable?

Dental plans can help you manage your dental care costs better — because the cost of not taking care of your oral health could be more. 

  • People without individual dental coverage are less likely to get routine dental care
  • Waiting until there’s a problem means that dental treatment will often be more involved and expensive 
  • Major problems linked to poor oral health (like heart disease and diabetes) are more likely to appear3

Preventive dental care helps prevent these problems

There are multiple dental plans with different levels of benefits to help you find the best dental insurance fit for your budget.If you’ve ever bought a gym membership or a treadmill to help remind you to take care of yourself, supplemental dental insurance from Golden Rule Insurance Company can be similar. It’s that reminder to take care of your teeth. Even better, it can help you plan ahead for the costs of your dental care. 

Learn about Dental Premier plans

Dental Premier plans5 can offer the complete level of coverage you're looking for. View the Dental Premier brochure for your state to explore the details. 

Ready to find a dental insurance plan that's right for you?

Find a plan that works for you and your family by exploring our wide range of options. 

Find out more about our other coverage options — such as vision insurance

You can round out your insurance coverage and add it as a rider to your dental insurance.6

Need help finding a plan?

Answer a few questions to see which insurance options may be available for you.