United Healthcare PPO
United Healthcare offers a wide variety dental insurance plans, and the type of plan you have depends on the contract your employer signed with them. Many of the plans follow similar structure – but yours may have specific conditions and exclusions not found in any other.
Do you have a specific question about your plan?
Just tell us who your employer is, and we will have this information for you.
Few of them do as much as we to save you money.
Is what your insurance will pay in any given insurance year. For United Healthcare, it is typically between $1500 and $2500. Most United Healthcare Plans define INSURANCE YEAR from January 1 to December 31. Some plans, especially for school employees, may run on July 1-June 30 year. Check with your plan.
what your insurance plan wants you to pay before they cover anything. For United Healthcare, it is usually $50.
Coverage for Preventive procedures – what your insurance plan will pay for checkups, cleanings, X-rays, and sealants and fluoride for children. It is typically 100%, although some plans may pay less. Usually, the deductible does not apply.
Coverage for Basic procedures – what your insurance plan will pay for fillings, root canals, gum treatments, and extractions. Most United Healthcare plans will cover 60-80% of the procedure costs. Sometimes, even though the plan says they will cover 80% of the procedure, their fees are so low that the actual coverage may be less.
crowns, bridges, dentures. Typically, it is 50%, but it is subject to many provisions and restrictions, such as missing tooth clause, alternative minimum benefits, and others.
veneers, teeth whitening, cosmetic bonding, adult orthodontics. No United Healthcare plan we have seen provides any coverage for these procedures.
varies greatly by the plan. Check with your carrier for specific information.
Some plans do, and some don’t. Many plans will only cover any orthodontic treatment up to 19 years of age, while others have no restrictions. Ask us – we’ll have this information for you in minutes!
Very often, a portion of the treatment is covered. Varies by the plan, inquire about details.
Unfortunately, no dental insurance covers cosmetic dentistry. But if we are replacing old, unsightly fillings and crowns, the replacement is frequently covered, even if done for mostly cosmetic reasons.
Please keep in mind that your plan may be completely different from the general guidelines we have provided here. We use a sophisticated computer system, Dentrix with Trojan Insurance Module, to help us get as much information as possible. Very often, we are able to tell you about your plan in great detail once we know who the employer is. Call us at 914 630 2833 for more information.
We want you to know that when you select us for your dental care needs, you make the right choice!