Golden Rule Insurance Company offers dental insurance plans that offer good benefits and prices. From dental cleanings to root canals, it can be difficult to predict how much money you’re going to spend for your dental care. Golden Rule Insurance Company individual dental insurance plans can provide you with the coverage you need to help promote good dental health.
You can take advantage of:
- Preventive care is covered at 100% with NO deductible or waiting period.
- Access to an extensive dental network.
- Basic and Major Services have a $50 calendar-year deductible per covered person, plus it is capped at 3 individuals per family – so if you have a family of 4, 5, 6 or even more, you’re responsible for paying $150 in deductibles for the whole family!
- Plan pays benefit towards Basic Services like cavity fillings and tooth extractions after the initial six-month waiting period is exhausted and the deductible is met.
- Plan pays benefit towards Major Services like root canals and bridges after the initial 12-month waiting period is exhausted and the deductible is met.
Which individual dental plan is right for you?
Dental Premier Choice
- Best option if your dentist is not in network
- Pays more than Dental Primary Plans for care from non-network dentist
- Find a Dentist - Under Links and Tools, click "Find a Dentist." Select the National Options PPO 30 network to find a provider in your area
| Plan | Dental Premier Choice Plan |
|---|---|
| Apply |  |
| Deductible | $50 |
| Maximum Family Deductible per Calendar Year | $150 |
| Waiting Period | No waiting period for preventive, 6 months waiting period for Basic Services, 12 months waiting period for Major Services |
| Preventive Care | 100%, no deductible |
| Annual Maximum Benefit |
$1,200/person year 1 $1,300 person year 2 $1,400/person year 3 $1,500/person year 4+ |
| Orthodontics | Not covered |
| X-Rays | Routine X-rays covered once per calendar year |
| Out-of-Network Dentist | Benefits paid based on the reasonable and customary charge |
Dental Primary
- Best option if you use a network dentist
- Lowest premiums
- Find a Dentist
| Plan | Dental Primary Plan |
| Apply | |
| Deductible | $50 per person |
| Maximum Family Deductible per Calendar Year | $150 |
| Waiting Period | No waiting period for preventive, 6 months waiting period for Basic Services, 12 months waiting period for Major Services |
| Annual Maximum Benefit | $1,000 per covered person |
| Orthodontics | Not covered |
| X-Rays | Routine X-rays covered once per calendar year |
| Out-of-Network Dentist | Benefits paid based on the reasonable and customary charge |
Dental Primary Preferred
- Best option if you use a network dentist and want more coverage for major services (root canals, bridges, etc.)
- Low premiums
- Find a Dentist
| Plan | Dental Primary Preferred |
| Apply | |
| Deductible | $50 per person |
| Maximum Family Deductible per Calendar Year | $150 |
| Waiting Period | No waiting period for preventive, 6 months waiting period for Basic Services, 12 months waiting period for Major Services |
| Preventive Care | copay (no deductible or waiting periods) |
| Annual Maximum Benefit | $1,000 per covered person |
| Orthodontics | Not covered |
| X-Rays | Routine X-rays covered once per calendar year |
| Out-of-Network Dentist | Benefits paid based on the reasonable and customary charge |
Golden Rule Insurance Company plan availability varies by area. Get a free dental insurance quote now. To learn more about costs, benefits, exclusions, eligibility, limitations, and renewal terms contact one of our a licensed insurance agents to discuss your options.
Top Dental Insurance Questions:
How do I know if my dentist is in the network? Or how do I find a dentist that is in your network?
Visit myuhcdental.com/GoldenRule to see if your dentist is in our dental network, or find a dentist that’s near you. The dental insurance network offers you the freedom to select the dentist of your choice.
What are the differences between dental insurance plans vs. dental discount plans?
Dental discount plans are like using a coupon. It only gives you a certain amount off of certain treatments, and you are limited to the places you can use those dental discount plans. Dental insurance plans may cover cleanings and any preventive care at 100% without a deductible.
What are the waiting periods and why are there waiting periods on dental insurance plans?
There is a six-month waiting period for basic services and a 12-month waiting period for major services. If you were to have a crown, for example, you would have a 12-month waiting period, whereas a simple filling would only have a six-month waiting period. Waiting periods are lengths of time for your policy to be in force before your benefits begin. Many insurance plans enforce some waiting periods, even dental insurance plans. Plans have no waiting periods on preventive services such as cleanings and sealants.
What services are covered under my dental plan?
Preventive services have no waiting period and may include routine dental exams, and routine X-rays.
Basic services may have a six-month waiting period and may include dental exams, X-rays, routine extractions, treatment for children to ease dental pain, and simple fillings.
Major services have a 12-month waiting period and may include treatment for diseases of the pulp (including root canals), bone and other tissues supporting the teeth, crowns, inlays, onlays, veneers, bridges, dentures (payable once every 5 years), and oral surgery for impactions.
What is the annual maximum on my dental insurance plan?
There is a calendar-year maximum benefit of $1,000 per covered person. This mean your dental insurance plan would pay up to $1,000 of covered expenses.
Who gets reimbursed when I start using my dental plan?
Most traditional health insurance and dental insurance plans reimburse or pay a percentage of your actual expenses. Payment will be made to your dentist for covered services under your dental coverage.
GOLDEN RULE INSURANCE COMPANY DENTAL QUOTES
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