- Unlimited Use
- Pre-Existing Conditions Included in Plan Savings
- Plans Start at $99/Year for Discounted Rates on Dental Procedures
- 100,000+ Dental Access Points Nationwide
- A+ Grade with the BBB
- Voted #1 in Ethics by Dallas Morning News
- Discount Dental Plan (Not Insurance)
Golden Rule Insurance Company Dental Insurance Review
ConsumersAdvocate.org
UnitedHealthcare, Golden Rule Insurance Company - Overview
UnitedHealthcare is a large multi-line health insurer that provides health, dental, vision, Medicare Advantage and supplemental coverage to over 115,000,000 people. Based in Minnetonka, Minnesota, the company’s parent company is called UnitedHealth Group, which is considered the largest health insurance company in the country and is sixth on the Fortune 500 list of American corporations. UnitedHealthCare offers both standalone and bundled dental plans that includes zero-deductible coverage for preventive care through its underwriter, Golden Rule Insurance Company, which is also a UnitedHealth Group company.
QUALIFICATION
The company’s website, UHOne.com, offers immediate quotes for their dental plans and the opportunity to apply for a plan entirely online. Prospective customers provide some quick information that will help determine relevant plans and the website will then generate a list of coverage options displayed in comparative format with premium prices and deductibles.
PLANS
UnitedHealthcare, Golden Rule Insurance Company offers a number of dental plans for people of different ages at different premium and deductible levels. While most of the company’s dental plans cover in-network providers only, it also offers some premium plans that cover non-network providers as well. The company’s plans are, to some extent tailored by age, with plans for older people that specifically cover dentures and plans for children that specifically cover orthodontia.
Golden Rule Dental Primary Preferred
Quotations for this plan are based on an application of a 35-year-old woman from Fort Lauderdale who uses tobacco. The plan is in the middle of the range of Golden Rule offers.
PLAN DETAILS
|
Preventative Care |
In Network – you only pay copay Out-of-Network – as billed by provider |
|
Basic Care |
In Network – copay after deductible Out-of-Network – as billed by provider |
|
Basic Services Deductible (Yearly) |
You pay $50 per person on the plan |
|
Annual Maximum |
The plan will pay up to $1,000 per person |
COVERAGE
|
PREVENTATIVE CARE |
|
|
Routine Examinations |
✓ |
|
Cleanings |
✓ |
|
X Rays |
✓ |
|
Fluoride |
✓ |
|
Sealants |
✓ |
|
BASIC SERVICES |
|
|
Extractions |
✓ |
|
Fillings |
✓ |
|
Space Maintainers |
✓ |
|
Oral Surgery |
✓ |
|
Prefab Crowns |
✓ |
|
MAJOR SERVICES |
|
|
Periodontics |
✓ |
|
Endodontics |
|
|
Crowns |
✓ |
|
Implants |
✓ |
|
Bridgework |
✓ |
|
Dentures |
✓ |
|
Inlays |
✓ |
Golden Rule - Summary
Golden Rule’s quotation and enrollment procedures are easy to follow and consumer-friendly. The company also does a nice job of presenting consumers with multiple options and in a way that is easy to understand. Its pricing is competitive within the dental insurance industry. Consumers can save additional money by bundling dental coverage together with vision coverage. The company is a sound choice for individuals in the dental insurance market.
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- Unlimited Use
- Pre-Existing Conditions Included in Plan Savings
- Plans Start at $99/Year for Discounted Rates on Dental Procedures
- 100,000+ Dental Access Points Nationwide
- A+ Grade with the BBB
- Voted #1 in Ethics by Dallas Morning News
- Discount Dental Plan (Not Insurance)