This guide will help you get to know our popular DentalWise Max plans including, DentalWise Max 1000, DentalWise 2000 & DentalWise Max 3000.
These plans from UnitedHealthcare underwritten by Golden Rule Insurance Company are designed to give you maximum coverage to meet your needs and budget.
You already know dental insurance is important, but most plans will make you wait for major work and prevent you from getting the treatment you need when you need it most.
In this review, we’ll highlight the key benefits on one of our most popular plans: DentalWise Max (dental, vision & hearing) to help you get one step closer to your dentist without the wait.
DentalWise
Affordable dental only coverage with no waiting periods. Benefits up to $2,000
Brochure (pdf)
$20
Estimated monthly starting price.
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Dental Only
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DentalWise Basic
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DentalWise 1000
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DentalWise 2000
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No Waiting Periods!
DentalWise Max
Dental, vision & hearing in one plan! Higher benefits. No waiting periods.
Brochure (pdf)
$35
Estimated monthly starting price.
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Dental, Vision & Hearing
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DentalWise Max 1000
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DentalWise Max 2000
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DentalWise Max 3000
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Coverage On Day One!
UnitedHealthcare DentalWise & DentalWise Max plans are underwritten by Golden Rule Insurance Company.
Licensed: FL, GA, MD, NC, NJ, PA, SC, TN, TX, VA (plans vary by state)
How Does Dental Insurance Work?
Dental insurance helps cover the cost of dental care, but it’s important to understand how it works before signing up. Let’s break down some key terms:
Deductible
This is the amount you pay out-of-pocket for dental care before your insurance kicks in.
For example, if your deductible is $50, you’ll pay the first $50 of your dental expenses yourself.
Coinsurance
This is the percentage of the dental bill you’re responsible for paying after you’ve met your deductible.
For example, if your coinsurance is 20%, you’ll pay 20% of the cost of a dental procedure, and your insurance will cover the remaining 80% up to the annual maximum.
Annual Maximum
This is the total amount your insurance will pay for dental care in a year. Once you reach this limit, you’ll be responsible for the full cost of any additional dental work.
Most dental insurance plans start with an annual max of $1,000.
Waiting Period
Dental insurance encourages preventative care and there are waiting periods for certain types of procedures.
This means you’ll need to wait a specific period before your insurance will cover those services.
By taking advantage of free checkups, your dentist will be able to spot issues before they arise so they don’t become expensive problems down the road.
A). Traditional Dental Insurance (waiting period)
| Services | In Network | Waiting Period |
|---|---|---|
| Preventative | 100% | No Waiting |
| Basic | 70%-80% | 6 months |
| Major | 50% | 12 months |
Traditional dental insurance plans typically offer coverage for a wide range of dental services, from routine check-ups and cleanings to more complex procedures like fillings, crowns, and orthodontics.
- Preventive care: Most plans cover preventive services like cleanings, exams, and X-rays at 100%, often without a waiting period. This encourages regular dental check-ups to maintain oral health.
- Basic and major services: These services, such as fillings, extractions, root canals, and crowns, usually have waiting periods. This means you’ll need to wait a specific period (typically six to twelve months) before your insurance will cover these services.
- Network dentists: Many traditional dental plans offer discounts or lower copays if you see a dentist within their network. While you’re not restricted to network dentists, using one can save you money.
B). DentalWise Max (no waiting period)
| Services | Day 1 | 12 Months | Waiting Period |
|---|---|---|---|
| Preventative | 100% | 100% | No Waiting |
| Basic | 60% | 80% | No Waiting |
| Major | 15% | 50% | No Waiting |
As the name suggests, no waiting period dental insurance plans eliminate the common waiting periods associated with traditional plans.
This means you can access coverage for most dental services immediately upon enrollment.
- Immediate coverage: Enjoy benefits for preventive, basic, and even major dental services on day one.
- Potential cost: Plans with no waiting periods often come with higher premiums to offset the increased risk for the insurer. Deductibles may be higher as well.
- Increasing benefits: Tiered payouts with benefits on day one that increase after a specific period usually 12 months.
- Limited availability: These plans might be less common compared to traditional options, but we offer them!
While no waiting period plans offer convenience and immediate access to care, it’s essential to weigh the benefits against the potential higher costs.
Licensed: FL, GA, MD, NC, NJ, PA, SC, TN, TX, VA (plans vary by state)
How to Shop for DentalWise Max Insurance
You can obtain traditional dental insurance in several ways. Finding UnitedHealthcare DentalWise Max plans with no waiting period may require a bit more effort, but it’s certainly possible.
Let’s break down some of your options for dental insurance:
- Employer Plans: These plans are often the most affordable, but they typically have waiting periods of 6 or 12 months for most services.
- Marketplace (On-Exchange) Plans: Offered through the Affordable Care Act marketplaces, these plans also usually have waiting periods of 6 or 12 months
- Private (Off-Exchange) Plans: This is where you’ll find DentalWise Max plans with no waiting period.
Note: While waiting periods can be frustrating, they do help keep premiums lower. Plans without waiting periods generally come with higher costs.
To find dental insurance with no waiting period:
- Focus on Private Market Plans: Look for individual or family dental plans offered directly by insurance companies.
- Compare Carriers: Ameritas and UnitedHealthcare are known for offering strong no-wait dental plans, but it’s essential to compare options from multiple providers.
- Understand Coverage: Even without a waiting period, plans vary in terms of coverage limits, deductibles, and network sizes.
- Consider Costs: Factor in premiums, deductibles, and co-pays to determine the overall cost of the plan.
Marketplace Dental vs. Off-Exchange Dental Plans
When shopping for dental insurance, you’ll primarily encounter two options: marketplace and off-exchange plans.
Marketplace Plans
These plans are available through the federal or state health insurance exchange.
They are typically affordable and ideal for preventive care like checkups and cleanings.
However, they often have waiting periods of 6 or 12 months for certain procedures and there are usually restrictions on when you can enroll.
- Preventative (exams, cleanings): no waiting period
- Basic (filling, simple extraction, etc): 6-month waiting period
- Major (dentures, crown, implants): 12-month waiting period
- Enrollment: only during Open Enrollment or Special Enrollment
- Annual Maximum: generally $700-$1,000
- Implants: very few plans
Off-Exchange Plans
Purchased directly from insurance carriers & brokers. These plans offer more flexibility but may come with a higher premium.
The top plans have no waiting periods and day 1 coverage for expensive procedures.
Ameritas and UnitedHealthcare are two of our most popular off-exchange dental plans and you can enroll anytime of year.
- Preventative (exams, cleanings): no waiting period
- Basic (filling, simple extraction, etc): 60% on day 1; 80% after 12-months
- Major (dentures, crown, implants): up to 20% day 1; 50% after 12-months
- Enrollment: any time of year
- Annual Maximum: generally $1,000-$3,000
- Implants: most plans cover 50% after 12 months at $1,500-$2,000
DentalWise vs. DentalWise Max
When it comes to comprehensive coverage for your overall well-being, two plans standout: DentalWise and DentalWise Max.
Both plans are designed to protect your oral health, but DentalWise Max goes a step further by providing additional coverage for your vision and hearing needs.*
While DentalWise focuses specifically on dental care, offering essential benefits like routine check-ups, cleanings, and coverage for various dental procedures, DentalWise Max expands its scope to include vision exams, eyewear, and hearing services.
Whether you’re looking to maintain optimal oral health or desire a more holistic approach to your well-being, these plans offer flexible options to suit your individual needs and convenient all-in-one billing!
By combining dental, vision, and hearing coverage into one package, DentalWise Max provides a comprehensive solution for managing your overall health and wellness.
- Individuals: If you’re looking for a convenient and comprehensive way to manage your dental, vision, and hearing health, DentalWise Max could be a good option. It simplifies your insurance experience and offers coverage for essential preventive care.
- Families: DentalWise Max can be a cost-effective solution for families, offering coverage for everyone under one plan.
- Budget-Conscious Consumers: The potential for reduced out-of-pocket costs through in-network providers and preventive care coverage can make DentalWise Max an attractive option for those on a budget.
*Hearing coverage is not available in all states.
DentalWise
Budget friendly dental only plans with different benefit levels:
- DentalWise Basic
- DentalWise 1000
- DentalWise 2000
DentalWise 1000
This budget-friendly dental only plan provides a $1,000 annual maximum. Benefits increase after 12 months. Great starter if you prioritize preventive care and anticipate low to moderate dental needs.
- Waiting Period: No
- Exams: 2 per year
- Preventative: Insurance pays 100%
- Basic: Insurance pays 60% year 1; 80% year 2
- Major: Insurance pays 15% year 1; 50% year 2
- Vision: No
- Hearing: No
DentalWise Max
DentalWise Max plans are bundled and offer comprehensive dental, vision, and hearing with no waiting periods so you can start using your benefits right away.
DentalWise Max 1000
This plan provides a $1,000 annual benefit for dental procedures. Includes vision with $150 allowance for frames/contacts. Hearing is available in select states.
- Annual Max: $1,000
- Waiting Period: No
- Exams: 2 per year
- Preventative: Insurance pays 100%
- Basic: Insurance pays 60% year 1; 80% year 2
- Major: Insurance pays 15% year 1; 50% year 2
- Vision: Yes
- Hearing: Varies by state
- Impants: No
DentalWise Max 2000
Doubling the annual benefit to $2,000, this plan offers comprehensive coverage with a higher limit.
Additionally, it includes coverage for dental implants after a 12-month waiting period with a separate $1,500 benefit!
Includes vision with $150 allowance for frames/contacts. Hearing is available in select states.
- Annual Max: $2,000
- Waiting Period: No
- Exams: 2 per year
- Preventative: Insurance pays 100%
- Basic: Insurance pays 60% year 1; 80% year 2
- Major: Insurance pays 15% year 1; 50% year 2
- Vision: Yes
- Hearing: Varies by state
- Implants: Yes ($1,500 benefit after 12-months)
DentalWise Max 3000
This top-tier plan boasts a $3,000 annual benefit maximum, providing the most extensive coverage within the DentalWise Max series.
Also includes coverage for dental implants after a 12-month waiting period with a separate $1,500 benefit.
Includes vision with $150 allowance for frames/contacts. Hearing is available in select states.
- Annual Max: $3,000
- Waiting Period: No
- Exams: 2 per year
- Preventative: Insurance pays 100%
- Basic: Insurance pays 60% year 1; 80% year 2
- Major: Insurance pays 15% year 1; 50% year 2
- Vision: Yes
- Hearing: Varies by state
- Implants: Yes ($1,500 benefit after 12-months)
DentalWise
Affordable dental only coverage with no waiting periods. Benefits up to $2,000
Brochure (pdf)
$20
Estimated monthly starting price.
✓
Dental Only
✓
DentalWise Basic
✓
DentalWise 1000
✓
DentalWise 2000
✓
No Waiting Periods!
DentalWise Max
Dental, vision & hearing in one plan! Higher benefits. No waiting periods.
Brochure (pdf)
$35
Estimated monthly starting price.
✓
Dental, Vision & Hearing
✓
DentalWise Max 1000
✓
DentalWise Max 2000
✓
Coverage On Day One!
Additional Benefits:
- Preventive care coverage for routine cleanings and exams.
- Basic procedures like fillings and extractions may be covered.
- Major services such as crowns and root canals might be included depending on the plan.
- Vision coverage for eye exams, glasses, or contacts (check plan details).
It’s important to remember that DentalWise plans have annual maximums, like other dental insurance, but with higher limits up to $3,000.
Pre-existing conditions can be another factor to consider. Some plans might have exclusions or limitations on coverage for pre-existing dental or vision problems. Check the plan details for specifics.
While DentalWise Max offers a compelling package, it’s essential to consider some potential drawbacks:
Network Availability: While UnitedHealthcare has a large network, you should confirm with your dentist they accept the coverage. This might be a factor to consider depending on your location and preferred providers.
Deductibles: Because of the day one benefits and higher caps you might pay a bit more upfront. For example, most Marketplace plans have a $50 individual deductible per year. With DentalWise Max it’s $100 per year, but no waiting period.
Coverage Limitations: DentalWise Max plans may have limitations on certain procedures or materials used in dental work. Be sure to understand what the plan covers in detail to avoid any surprises.
DentalWise Max No Waiting Period Dental Insurance
Taking care of your health goes beyond regular medical checkups. Dental, vision, and hearing health are just as important to your overall well-being. Having a supplemental plan like
DentalWise Max can provide additional coverage to help protect your overall health and budget.
Regular checkups and preventive care in these areas can catch potential issues early, saving you from more serious health problems and higher costs down the line.
Your overall health and well-being rely greatly on your dental, vision, and hearing care. When you smile more, and can hear and see better, life is naturally more enjoyable.
Choosing a DentalWise Max plan can help enhance your quality of life and help you feel good about yourself.
Enjoy the peace of mind that comes with knowing you have comprehensive coverage for these essential aspects of your health.
Licensed: FL, GA, MD, NC, NJ, PA, SC, TN, TX, VA (plans vary by state)
Quote & Enroll Online
Ready to explore your options and unlock the benefits of comprehensive dental insurance? Start an instant quote or get free assistance today!
Our user-friendly platform allows you to quickly compare plan details, receive personalized estimates, and online enrollment in just a few simple steps.
Licensed: FL, GA, MD, NC, NJ, PA, SC, TN, TX, VA (plans vary by state)
Dental, Vision & Hearing Insurance
Also known as DVH, these plans bundle and cover dental, vision, and hearing.
It’s designed to complement your primary health insurance by providing additional financial protection for these essential services.
DVH plans can vary widely in terms of coverage, costs, and networks. Some plans may have waiting periods for certain services, while others offer immediate coverage.
DentalWise Max includes dental, vision & hearing benefits as a convenient bundle with no waiting periods.
Many of our valued clients appreciate the ease of having all their important needs covered in one plan. DVH insurance simplifies your life by:
- Streamlining Coverage: No need to juggle multiple insurance plans and bills.
- Peace of Mind: Knowing you have comprehensive coverage for dental care, eye exams, and hearing aids can be a huge relief.
Dental Insurance
Maintaining good oral health is a cornerstone of overall well-being. Dental insurance helps you manage the associated costs, offering:
- Coverage for preventive care: Routine cleanings, exams, and x-rays are typically covered at 100%.
- Help with unexpected needs: Unexpected dental events like a chipped tooth or a cavity can be financially stressful. Dental insurance helps offset the costs of these procedures.
- Reduced costs for major services: If you require more complex dental work, such as crowns or bridges, dental insurance significantly reduces your out-of-pocket expenses.
Vision Insurance
Vision insurance offers valuable protection for your eye health, ensuring you have access to regular checkups and the necessary corrective lenses:
- Routine eye exams: Covers annual exams and screenings
- Eyeglasses or contacts: Most plans include an allowance of $100-$200.
Hearing Insurance
Hearing loss is a common concern, especially as we age. Hearing insurance provides essential resources for managing your hearing health:
- Hearing exams: Covers annual hearing exams, allowing you to proactively manage your health.
- Hearing aids: Offers substantial financial assistance towards hearing aids, making them a more accessible option.
Licensed: FL, GA, MD, NC, NJ, PA, SC, TN, TX, VA (plans vary by state)
Is DentalWise Max Worth It?
Choosing a dental plan means investing in your overall health with coverage that starts immediately for most services.
With a variety of dental, vision, and hearing benefits, our plans are designed to fit your needs and enhance your quality of life.
Whether it’s routine exams, major dental work, eye care, or hearing aids, our DentalWise Max plans have you covered.
Explore your options and find the DentalWise Max plan that best suits your lifestyle and budget.
Invest in DentalWise Max today and take the first step towards a healthier, happier you.
The dental plans we offer don’t require income, occupation, or health questions and you can start an instant quote on your own 24/7!
If you need assistance contact us for more information.
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