Dental Insurance vs. Discount Plans | Golden Rule Insurance Company

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Dental Insurance vs. Discount Dental Plans

Don’t be fooled – discount dental programs are NOT real insurance plans!

Can you spot the difference?

Dental discount plans sound a lot like traditional dental insurance plans, but they are not. The discount programs you’ll find popping up all over the Internet promising you lower prices, but then leaving you with only a few dollars off the bill once you’re at the dentist’s office (if you can find a dentist that takes the discount card).

Our plans provide you and your family with real dental coverage. We don’t hide anything; we tell you what’s covered right at the beginning and even offer you a 20-day “free look” period. If you aren’t completely satisfied with our product, you get a full premium refund¹.

So what’s covered? Well, here’s just a few quick examples:

You are covered 100% for your in-network preventive care with no waiting period and no deductible, including routine dental exams, X-rays, cleanings, and more!
You are covered 80% on your Basic Services like a simple cavity filling or tooth extraction (non-surgical).²
You are covered 50% on your Major Services like a root canal or bridge.
You also get the flexibility of using in and out-of-network dentists – we have over 182,000 across the country!³
Another family friendly feature of our UnitedHealthOne dental plans is that the $50 per person calendar-year deductible is limited to 3 people per family. So, if you are a family of 4, 5, 6 or more – you are only responsible for the $150 deductible and no more! Now, that’s a way to stretch your dollar!

So whether you choose our Dental Premier^SM (your best option if your dentist is not in our network) or our Dental Value^SM (lowest premiums for those using an in-network dentist), you can be rest assured that the UnitedHealthOne Dental insurance plan has your family covered! No surprises. Just real dental coverage from a company name you’ve come to know and trust over the years. Call us today for a FREE dental insurance quote at: (800) 944-4699.

¹Minus any claims paid during that period. ²After a $50 deductible there is a six-month waiting period for Basic Services and a 12-month waiting period for Major Services. ³As of 2/2012, Dental Benefit Provider’s, Inc. Network availability may vary by state, and a specific dental care provider’s contract status can change at any time. Therefore, before you receive care, it is recommended that you verify with the dental care provider that he or she is still contracted with the network. For costs, benefits, exclusions, limitations, eligibility, and renewal terms, call a licensed Product Advisor to discuss your health insurance options at (800) 944-4699, or get a health insurance quote.
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