Dental insurance can play a pivotal role in helping your family afford the quality oral care you deserve. If you have United Healthcare Dental coverage, we wholeheartedly encourage you to use it. This valuable provision can spare your smile from severe problems keep your budget in good shape. As your in-network United Healthcare Dental dentist in Lovell, we’re happy to help you understand your coverage and get as much out of it as possible.
United Healthcare Dental works similarly to many other dental insurance plans in that it provides 100% coverage for preventive services when you visit an in-network provider. For minor restorative services, you can expect your plan to cover roughly 80% of the cost of your treatment after a waiting period of six months. For major services, care is covered at 50% after a waiting period of 12 months. You may have to pay a small deductible for any non-preventive service.
You can get the most out of your policy by visiting an in-network United Healthcare dentist in Lovell, such as Lovell Dental. We have pre-negotiated the fees for certain services with the insurance company, an arrangement that helps both you and your policy provide save money. United Healthcare also covers services at in-network dentists at higher rates than they do at out of network practices.
One of the most remarkable things about United Healthcare’s dental coverage is that your annual maximum may increase yearly for the first few years you have your plan. One plan begins with an annual maximum of $1,200 in the first year, which increases to $1,500 by the fourth year. When you visit us as your dentist near Cody, we’ll gladly verify the amount of your annual maximum and help you use those funds in a way that is best for your oral health and your wallet. For example, we may suggest that you break up major treatments across two calendar years so you can take advantage of multiple yearly maximums.
Stephanie has been our practice’s resident insurance expert since 2016. She enjoys working with patients to help them get the most out of their coverage and avoid the stress that might otherwise come with handling insurance issues. If you ever have questions about your United Healthcare Dental plan (or another type of dental insurance), contact our office and chat with Stephanie. She can review your policy, address your concerns, and even file claims for you.