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Learning about Oscar Health Insurance for 2021

Oscar is committed to saving you time, saving you money, and getting rid of the hassles that make health insurance so hard to navigate. Oscar provides tools and resources to help you navigate the complex health care system. Oscar member satisfaction rating is 2× above the industry average.

Oscar Doctor On Call

With Oscar you don’t waste your sick day at the doctor’s office. Just call or send a secure message to a doctor—and get a diagnosis, a new prescription, or a refill—in as little as 15 minutes. It’s free on many plans offered. And the benefit is unlimited, and available 24/7. That’s one less trip to the doctor’s office and one less copay!

$129 – is the average saved by members each time they use Doctor on Call.

Your very own Oscar Concierge team.
Get paired with a small team of care guides and nurses who get to know you and your health history. Your personal team can help you find affordable doctors, answer questions, and even help coordinate complex care.

Finding a doctor is easy.
Get access to top-rated hospitals and doctors in your neighborhood. See a specialist when you need to, without having to get a referral.

Get paid to walk.
Track steps from Google Fit and Apple Health. Earn $1 toward an Amazon® Gift Card for every day that you hit your step goal, up to $100 per year!

See everything in one place.
You shouldn’t have to navigate a clunky website just to find your own health info. Your plan details, prescriptions, health history, bills, and ID card are easily accessible on on our app and online portal.

Oscar is currently Offered in 15 States!
Oscar Health Plans is happily offering health plans in communities across Arizona, California, Colorado, Florida, Georgia, Kansas, Michigan, Missouri, New Jersey, New York, Ohio, Pennsylvania, Tennessee, Texas, and Virginia.

Get a Quote on Oscar Health Insurance

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Dental and Vision Insurance Plans

If you are shopping for dental and vision insurance plans you came to the right place. We offer both stand alone dental and stand alone vision plans. It is important to know that bundling policies is usually more cost effective. The market has a few excellent dental and vision insurance options. Bundling policies can save you up to $50 per a year.

Hot Tip: Most bundles only issue one bill and one card for the dental and vision insurance policy. This give you less to worry about, because you only have one member ID card to keep track of.

See Dental and Vision Insurance Plan Options

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Once you submit for your zip code and date of birth you will see your dental and vision Insurance quotes, you will learn about many packages that are available to you. Here are some frequently asked questions that almost all shoppers have.

The health of our mouth and eyes are no less important than the rest of our body. Yet, Dental and vision insurance plans are often excluded from traditional health insurance coverage. 

While a health insurance plan can aid in the cost of a broken arm or a skin infection, a chipped tooth or fading eyesight is left up to dental and vision insurance. 

Can I use my Dental Insurance and Vision Insurance Plan Right Away?

The answer is YES. Your preventive dental coverage is available to use instantly. This means on your policy effective date you are allowed see the dentist, get cleanings, x-rays, and exams. If you are in need of dental insurance with no waiting periods on fillings or major dental work, we can also have recommendations for this type of coverage.

Right now in the US an average cost of cleanings, x-rays, and exams is around $250-$400 depending where you reside. With dental insurance you can simply pay your first months premium and have this coverage instantly.

Basic and Major dental work coverage may have some waiting periods associated with the treatments. These waiting periods depend on the policy design. Almost all companies offer immediate access to the insurance company rate on all procedures. Learn more about this on our overview to dental insurance page.

Can I really use my Vision Insurance Plan Instantly?

Yes, your vision insurance can be used right when your policy become effective. If in the past you ever paid full retail price for eye exams, contacts, or glasses, then you are in for a pleasant surprise. Your next visit may cost you as low as $10 in co-pays. It is not uncommon for people to call our office and tell us they spent $500 on new glasses. Once you have vision insurance, you can put those days behind you. The dental and vision insurance combo is one of the longest lasting policies in the insurance industry, with average utilization you’ll get your money’s worth.

What is the Best Dental and Vision Insurance Plan?

Dental and Vision Plans

Right now it depends on where you live and the number of members applying. The beauty of QuoteFinder.Org is that we work with all the companies. We are 100% designed to meet your needs. As an independent insurance agency, we earn very little money selling dental and vision insurance policies but see the need in the marketplace. If you’ve arrived at our site, that means you probably have already dug through a dozen other sites trying to sell you discount plans or other dental products from companies you never heard of before. You may have felt a bit leery about those products and that is the correct feeling to have.

Today the internet has ten bad products for every good product being offered. With our guidance and friendly staff we can answer your questions and get you pointed in the correct direction. Of the people we talk to, 1 in 2 enroll in a plan with us. We have good chance of meeting your dental needs.

Here are the reasons why dental and vision insurance may not be right for you.

  • Plans cost between $20 – $50 and some people just can’t fit this into their budget.
  • Many people want braces covered and dental insurance is NOT designed to offer much benefit for braces. We prefer NOT work with these consumers as we know they will expect more and receive less.
  • Some consumers have completely ignored their dental health, and even with a top of the line dental insurance policy, they would still have to pay thousands to fix the problems.
  • Some shoppers, are simply shoppers. The idea of dedicating an increment of time to choosing a quality product and moving forward with the purchase is just not the way they lead their life.

Average Costs of Dental And Vision Services when paying Cash

Listed below are some average shelf prices for common dental and vision services.

  • Exams including x-rays and cleaning: $267
  • Fillings single, silver-amalgam filling:  $80 to $150
  • Fillings, white/composite: $150 – $300
  • Tooth extractions non-surgical: $175 to $350
  • Crowns: $1480
  • Root canals: $1260

Vision Costs

  • Eye Exam for Contacts and Glasses: $100
  • Eye Exam for Glasses $50
  • Eye Exam for Contacts $60
  • Glasses – Frames: $200
  • Glasses – Lenses: $100
  • Glasses – Progressive $200
  • Contact Lenses: $200-$500 per year

Here are the reasons why dental insurance and Vision Insurance IS a good fit for you.

  • You value your dental hygiene
  • You understand the importance of a good smile
  • Traditionally, you get two cleanings every year
  • You’ve always had dental and vision insurance and understand it’s value
  • You understand that dental insurance keeps you on track with having two annual visits
  • You fully know that sooner or later you WILL need your dental insurance for fillings, crowns, root canals, etc and you want to be ready for when those bills come.

Learn more about dental hygiene in the US. Or Get A Quote On Dental and Vision Insurance.

Ameritas – Dental Insurance Plans – No Waiting Periods

Ameritas offers affordable dental and vision insurance plans for individuals and families. These dental insurance plans have several options available. There are two different dental plans under the Advantage Plus Tier. The PrimeStar vision plans offer different levels of coverage under either VSP or EyeMed, the two top providers of vision plans in the US. Listed below is detailed listing of the coverage levels Ameritas offers. Plan benefits can vary slightly from state to state.

Save Money with the Ameritas PPO Dental Insurance Plan

The Advantage Plus II plan allows you to utilize an Ameritas PPO Network for additional savings. This plan provides graduated coverage, so the percentage paid by the insurer increases each year. You are able to select this plan either with or without orthodontic coverage for those up to age 19. In general, the Ameritas Dental Network also provides the following benefits:

  • Discounted fees of up to 30%
  • Immediate in-network discounts
  • One of the largest dental networks nationwide

Get a Quote to see the rates on Ameritas Dental Insurance.

The Advantage II Plus Network plan specifically offers the following benefits:

  • 100% Preventative Care
  • A minimum of 35% and up to 80% of basic services
  • A minimum of 15% and up to 50% on major services
  • A minimum of 15% and up to 50% on Orthodontics (optional)

Preventative services include two exams, cleanings and x-rays per year and fluoride and sealant treatment for patients under 16 years old. The annual calendar year deductible for all services is only $50, and orthodontic coverage has a lifetime maximum of $1,000.

Get a Quote to see the rates on Ameritas Dental Insurance.

Basic services include fillings and simple extractions and major services include many different services as listed below:

  • Implants
  • Oral Surgery
  • Endodontics
  • Periodontics
  • Crowns
  • Bridges
  • Dentures
  • Panoramic x-rays

Get A Quote On Ameritas Dental

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Choose ANY Dentist with Ameritas Advantage II Plus Plan

The Advantage II Plus plan offers the same level of coverage listed above and also allows patients to choose ANY DENTIST, however, additional savings apply when using an in-network provider.

Not all dentists are listed in a PPO network, so if your dentist does not accept insurance, it does NOT mean you can’t use insurance. The Ameritas Advantage II PLUS plan offers enhanced benefits, so you can still submit dental claims to Ameritas. Many dentists who do not accept PPO dental insurance will even help you turn in a claim to Ameritas. After all the the dentist does want your business!

VSP Vision Insurance through Ameritas

Vision plans are also available. PrimeStar Select Vision offers benefits through any EyeMed Access provider. The plan has no waiting periods and offers a vision exam once per year. Co-pays apply for in-network coverage and out of network providers are given allowance amounts. Lens enhancements are also available in-network with an additional co-pay ranging from $15 to $65 and enhancements outside the standard scope are offered at a discounted rate. The plan also provides additional discounts after the plan amounts have been exhausted, and the balance of any uncovered charges such as designer frames. Discounts are also available for Lasik procedure(s). The standard benefits are as follows:

  • Contact Lenses
  • Frames
  • Single vision, bifocal, and trifocal lenses
  • Lenticular lenses

PrimeStar Choice Vision is designed for use in the VSP Vision Care Provider network. In-network services require a copay and out of network coverage is also provided with an allowance. Most lens enhancements are not given an allowance, with the exception of standard progressive lenses. The plan also provides additional discounts for items that exceed the coverage amounts and an additional $25 discount on selected frames. Discounts are also available for elective procedure(s) such as Lasik vision correction. The benefits are as follows:

  • Frames
  • Lenses
  • Contact Lenses
  • Single, Bifocal and Trifocal lenses
  • Lenticular lenses

Lens enhancements can be purchased with additional co-pays ranging from $16 to $50, and other enhancements outside the typical coverage level are available at a discount.

Please note that coverage(s) and amount(s) may vary based on location and the exact level of coverage(s) selected. Ameritas will gladly provide a quote from an expert based on location and the level of coverage(s) required. Having great insurance doesn’t have to be a complicated task, Ameritas experts are able to be reached by telephone, live chat or e-mail. Check on Ameritas Dental and Vision Quotes!

Dental and Vision Insurance – Affordable Plans and Packages

If you are shopping for dental and vision insurance quotes you came to the right place.

  • Shop Stand Alone Dental
  • Shop Stand Alone Vision
  • SAVE MONEY with a Dental and Vision Package
  • Notice: Dental and Vision Combo can save up to $50 a year!

Hot Tip: Most policies issue a single ID Card and policy number. This give you less to worry about.

Get Dental / Vision Insurance Quotes

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Once you submit for your dental and vision Insurance quote request, you will learn about many packages that are available to you. Here are some frequently asked questions that almost all shoppers have.

Can I use my Dental Insurance Right Away?

The answer is YES. Your preventive dental coverage is available to use instantly. This means on your policy effective date you are allowed see the dentist, get cleanings, x-rays, and exams. If you are in need of dental insurance with no waiting periods on fillings or major dental work, we can also have recommendations for this type of coverage.

Right now in the US an average cost of cleanings, x-rays, and exams is around $250-$400 depending where you reside. With dental insurance you can simply pay your first months premium and have this coverage instantly.

Basic and Major dental work coverage may have some waiting periods associated with the treatments. These waiting periods depend on the policy design. Almost all companies offer immediate access to the insurance company rate on all procedures. Learn more about this on our overview to dental insurance page.

Can I use my Vision Insurance Right Away?

Yes, your vision insurance can be used right when your policy become effective. If in the past you ever paid full retail price for eye exams, contacts, or glasses, then you are in for a pleasant surprise. Your next visit may cost you as low as $10 in co-pays. It is not uncommon for people to call our office and tell us they spent $500 on new glasses. Once you have vision insurance, you can put those days behind you. The dental and vision insurance combo is one of the longest lasting policies in the insurance industry, with average utilization you’ll get your money’s worth.

What is the Best Dental and Vision Insurance Bundle?

Right now it depends on where you live and the number of members applying. The beauty of QuoteFinder.Org is that we work with all the companies. We are 100% designed to meet your needs. As an independent insurance agency, we earn very little money selling dental and vision insurance policies but see the need in the marketplace. If you’ve arrived at our site, that means you probably have already dug through a dozen other sites trying to sell you discount plans or other dental products from companies you never heard of before. You may have felt a bit leery about those products and that is the correct feeling to have.

Today the internet has ten bad products for every good product being offered. With our guidance and friendly staff we can answer your questions and get you pointed in the correct direction. Of the people we talk to, 1 in 2 enroll in a plan with us. We have good chance of meeting your dental needs.

Here are the reasons why dental insurance may not be right for you.

  • Plans cost between $20 – $50 and some people just can’t fit this into their budget.
  • Many people want braces covered and dental insurance is NOT designed to offer much benefit for braces. We prefer NOT work with these consumers as we know they will expect more and receive less.
  • Some consumers have completely ignored their dental health, and even with a top of the line dental insurance policy, they would still have to pay thousands to fix the problems.
  • Some shoppers, are simply shoppers. The idea of dedicating an increment of time to choosing a quality product and moving forward with the purchase is just not the way they lead their life.

Here are the reasons why dental insurance IS a good fit for you.

  • You value your dental hygiene
  • You understand the importance of a good smile
  • Traditionally, you get two cleanings every year
  • You’ve always had dental and vision insurance and understand it’s value
  • You understand that dental insurance keeps you on track with having two annual visits
  • You fully know that sooner or later you WILL need your dental insurance for fillings, crowns, root canals, etc and you want to be ready for when those bills come.

Learn more about dental hygiene in the US. Or Get A Quote On Dental and Vision Insurance.

Health Plan Overview

UnitedHealthcare has long been known for their quality medical coverage. Millions of Americans have experienced UnitedHealthcare insurance through their employer group coverage. Today you can shop private health insurance options through Golden Rule – a UnitedHealthcare company….these products are NOT Obamacare…..

2020 Health Plan Options:

  • Low Deductible PPO Plans available in most markets
  • Short Term and other medical policy options – scroll down for a quote
  • National Doctor Networks available
  • Options to add Dental and Vision
  • Range of plan pricing for all ages – scroll down for a quote

Quality health insurance depends on your individual needs. Scroll below to obtain a quote and review the plan offerings in your area.

Get Insurance Quotes Online

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Examples of plans offered by Golden Rule Insurance Company

  • Short Term Medical plans: choices in plan benefits; ideal for bridging gaps in health insurance coverage
  • Dental Insurance plans: Plans range in benefits and budget, including plans design just for seniors.
  • First dollar Fixed Indemnity plans – Office Visits, Hospital, ER, Urgent Care

Need Medicare?

If you are on Medicare or turning 65 soon, then a Medicare supplement and gap plans for people 65 and over. Learn about Medicare. Or get a UnitedHealthcare insurance quote:

Company Profile

UnitedHealthOne is the brand name used for private individual and family health insurance products underwritten and administered by Golden Rule Insurance Company, a UnitedHealthcare company. Golden Rule’s dedication to this market has led to a great understanding of the average American’s health insurance needs. After years of business the carrier has created a diverse line of products to meet the customer’s expectations.

Golden Rule Insurance Company now offers Health ProtectorGuard Fix Indemnity Insurance for Under Age 65

Golden Rule Insurance Company, a UnitedHealthcare company, is now offering Health ProtectorGuard fixed indemnity insurance. Plans are available up to age 65. Some key points of Health ProtectorGuard are that the plans allow you to receive eligible services from any doctor or hospital you choose and get a fixed benefit. Many consumers choose Health ProtectorGuard so they can continue to see their doctor. With HPG, you decide what doctor you want to see!

Contact us to learn more about Health ProtectorGuard.

Golden Rule Insurance Company Health Plan Overview

UnitedHealthcare has long been known for their quality medical coverage. Millions of Americans have experienced UnitedHealthcare insurance through their employer group coverage. Today you can shop private health insurance options through Golden Rule – a UnitedHealthcare company….these products are NOT Obamacare…..

2020 Health Plan Options:

  • Low Deductible PPO Plans available in most markets
  • Short Term and other medical policy options – scroll down for a quote
  • National Doctor Networks available
  • Options to add Dental and Vision
  • Range of plan pricing for all ages – scroll down for a quote

Quality health insurance depends on your individual needs. Scroll below to obtain a quote and review the plan offerings in your area.

Get Insurance Quotes Online

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Examples of plans offered by Golden Rule Insurance Company

  • Short Term Medical plans: choices in plan benefits; ideal for bridging gaps in health insurance coverage
  • Dental Insurance plans: Plans range in benefits and budget, including plans design just for seniors.
  • First dollar Fixed Indemnity plans – Office Visits, Hospital, ER, Urgent Care

Need Medicare?

If you are on Medicare or turning 65 soon, then a Medicare supplement and gap plans for people 65 and over. Learn about Medicare. Or get a UnitedHealthcare insurance quote:

Company Profile

UnitedHealthOne is the brand name used for private individual and family health insurance products underwritten and administered by Golden Rule Insurance Company, a UnitedHealthcare company. Golden Rule’s dedication to this market has led to a great understanding of the average American’s health insurance needs. After years of business the carrier has created a diverse line of products to meet the customer’s expectations.

Golden Rule Insurance Company now offers Health ProtectorGuard Fix Indemnity Insurance for Under Age 65

Golden Rule Insurance Company, a UnitedHealthcare company, is now offering Health ProtectorGuard fixed indemnity insurance. Plans are available up to age 65. Some key points of Health ProtectorGuard are that the plans allow you to receive eligible services from any doctor or hospital you choose and get a fixed benefit. Many consumers choose Health ProtectorGuard so they can continue to see their doctor. With HPG, you decide what doctor you want to see!

Contact us to learn more about Health ProtectorGuard.

Dental and Vision Insurance Plans and Packages

If you are shopping for dental and vision insurance quotes you came to the right place. We offer both stand alone dental and stand alone vision policies. However, it is important to know that buying coverage in a package is usually more cost effective. Right now the market has limited policies that are available to individuals and families in search of both dental and vision insurance. Packaging the policies can save you up to $50 per a year.

Hot Tip: Most policies only issue one bill and one card for the dental and vision insurance policy. This give you less to worry about, because you only have one policy to keep track of.

Get Dental / Vision Insurance Quotes

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Once you submit for your dental and vision Insurance quote request, you will learn about many packages that are available to you. Here are some frequently asked questions that almost all shoppers have.

Can I use my Dental Insurance Right Away?

The answer is YES. Your preventive dental coverage is available to use instantly. This means on your policy effective date you are allowed see the dentist, get cleanings, x-rays, and exams. If you are in need of dental insurance with no waiting periods on fillings or major dental work, we can also have recommendations for this type of coverage.

Right now in the US an average cost of cleanings, x-rays, and exams is around $250-$400 depending where you reside. With dental insurance you can simply pay your first months premium and have this coverage instantly.

Basic and Major dental work coverage may have some waiting periods associated with the treatments. These waiting periods depend on the policy design. Almost all companies offer immediate access to the insurance company rate on all procedures. Learn more about this on our overview to dental insurance page.

Can I use my Vision Insurance Right Away?

Yes, your vision insurance can be used right when your policy become effective. If in the past you ever paid full retail price for eye exams, contacts, or glasses, then you are in for a pleasant surprise. Your next visit may cost you as low as $10 in co-pays. It is not uncommon for people to call our office and tell us they spent $500 on new glasses. Once you have vision insurance, you can put those days behind you. The dental and vision insurance combo is one of the longest lasting policies in the insurance industry, with average utilization you’ll get your money’s worth.

What is the Best Dental and Vision Insurance Bundle?

Right now it depends on where you live and the number of members applying. The beauty of QuoteFinder.Org is that we work with all the companies. We are 100% designed to meet your needs. As an independent insurance agency, we earn very little money selling dental and vision insurance policies but see the need in the marketplace. If you’ve arrived at our site, that means you probably have already dug through a dozen other sites trying to sell you discount plans or other dental products from companies you never heard of before. You may have felt a bit leery about those products and that is the correct feeling to have.

Today the internet has ten bad products for every good product being offered. With our guidance and friendly staff we can answer your questions and get you pointed in the correct direction. Of the people we talk to, 1 in 2 enroll in a plan with us. We have good chance of meeting your dental needs.

Here are the reasons why dental insurance may not be right for you.

  • Plans cost between $20 – $50 and some people just can’t fit this into their budget.
  • Many people want braces covered and dental insurance is NOT designed to offer much benefit for braces. We prefer NOT work with these consumers as we know they will expect more and receive less.
  • Some consumers have completely ignored their dental health, and even with a top of the line dental insurance policy, they would still have to pay thousands to fix the problems.
  • Some shoppers, are simply shoppers. The idea of dedicating an increment of time to choosing a quality product and moving forward with the purchase is just not the way they lead their life.

Here are the reasons why dental insurance IS a good fit for you.

  • You value your dental hygiene
  • You understand the importance of a good smile
  • Traditionally, you get two cleanings every year
  • You’ve always had dental and vision insurance and understand it’s value
  • You understand that dental insurance keeps you on track with having two annual visits
  • You fully know that sooner or later you WILL need your dental insurance for fillings, crowns, root canals, etc and you want to be ready for when those bills come.

Learn more about dental hygiene in the US. Or Get A Quote On Dental and Vision Insurance.

Mutual of Omaha Dental and Vision Insurance

Mutual of Omaha Dental InsuranceAfter providing Medicare Supplement coverage to over 1 million Americans, Mutual of Omaha will soon be offering dental and vision insurance. Most people are very familiar with Mutual of Omaha from their diverse portfolio of life insurance, long term care, and of course medicare supplement products.

For 2020 enrollment Mutual of Omaha will offer two competitively priced dental insurance plans. This will be a nice option for individuals and families along with Medicare recipients. The goal is one stop shopping for medicare supplement, dental, and vision.

Keep reading to learn more about these two exciting products.

Mutual Dental Preferred Insurance Policy

The highest level of coverage offered is the Mutual Dental Preferred Policy. This insurance policy pays as follows:

  • Deductible: $0 per year for preventive services / $50 per year for basic and major services
  • Preventive services: Two Cleanings per year / Bite-wing X-rays – 100% Covered, Insured Pays Nothing
  • Basic Services: Fillings, Extractions, Emergency Treatment, 80% Insured Pays 20%
  • Major Services: After a 12-month waiting period, Crowns, Dentures, Bridges, Root Canals, Periodontics, Full-mouth X-ray, Oral Surgery / 50% Insured pays 50% (Dental Implants, see below)

Calendar Year Benefit: $1,500. This is the maximum amount the policy pays each calendar year for all covered services.

Dental Implants. Lifetime Maximum Benefit for implants is $3,000 This is the maximum amount the policy pays for dental implants.

Read the Dental Insurance Overview.

Mutual Dental Protection Insurance Policy

The lesser level of coverage offered is the Mutual Dental Protection Policy. This insurance policy pays as follows:

  • Deductible: $100 per year for all services
  • Preventive services: Two Cleanings per year / Bite-wing X-rays – 100% Covered, Insured Pays Nothing
  • Basic Services: Fillings, Extractions, Emergency Treatment, 50% Insured Pays 50%
  • Major Services: After a 12-month waiting period, Crowns, Dentures, Bridges, Root Canals, Periodontics, Full-mouth X-ray, Oral Surgery / 50% Insured pays 50% (Dental Implants, see below)

Calendar Year Benefit: $1,000. This is the maximum amount the policy pays each calendar year for all covered services.

Dental Implants. Lifetime Maximum Benefit for implants is $2,000 This is the maximum amount the policy pays for dental implants.

Get a Dental and Vision Insurance Quote.

Mutual Vision Benefit

The Mutual Vision Benefit can be included in either dental policy. It is an additional rider that will have an additional premium.

  • Provides a reimbursement benefit
  • Pays up to $50 every calendar year for one eye exam (no waiting period)
  • Pays up to $150 every two calendar years for eyeglasses or contact lenses (after a six-month waiting period)

Medicare and Dental Insurance Coverage

Mutual Dental insurance policies are designed to help pay for the dental services American’s need and to give members the confidence of knowing what their out-of-pocket costs will be. Medicare doesn’t cover dental services. That means costs for things like routine cleanings, fillings, root canals, bridges and dentures come out of pocket. With Medicare recipients living longer, it is very important to have proper dental hygiene and to keep on top of preventative dental care.

See the Mutual of Omaha Dental Insurance brochure.

Learn more about Mutual Of Omaha.

Compare similar Dental, Vision, and Hearing plan options with Central United Life or Aetna Dental Vision Hearing.

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Golden Rule Insurance Company Dental Insurance

Golden Rule Insurance Company, a  UnitedHealthcare Company, offers individual and family dental insurance with optional vision insurance is a must when it comes to having quality coverage for you or your family. If your employer does not offer coverage, or you are between jobs or self employed, these dental policies are a very good option. Cleanings, X-rays, and Exams are covered day one with these dental products. Take a closer look to learn about other covered services, such as fillings, root canals, and crowns. And read below to learn about adding vision coverage to your dental policy.

Check Dental and Vision Insurance Rates

Dental Insurance Benefits Include:

  • No Waiting Period for Preventive Care
  • Family or Individual Dental Policies
  • Plan Options for Basic and Major Dental Services
  • National Network of Dentists
  • Optional Vision Insurance Rider

Dental care can be challenging to a person’s budget. Individual or Family dental insurance help provide the coverage and convenience needed to keep smiling brightly.

Want to learn more about Dental Insurance? view Dental and Vision Insurance Plans.

Many Dental Plan Options are Available

Primary plans include:

  • Primary Dental – more affordable coverage Get a Quote
  • Primary Plus Dental
  • Primary Preferred Dental
  • Primary Preferred Plus Dental – Use Any Dentist
  • See the Primary plans brochure

The Premier plans include:

  • Premier Choice Dental – a very popular option – Get a Quote
  • Premier Plus Dental – includes coverage for braces / dental implants
  • Premier Elite Dental
  • Premier Max Dental
  • See the Premier plans brochure

The Gen plans (for individuals age 64+) include:

  • Gen Basic Dental
  • Gen Saver Dental
  • Gen Deluxe Dental – a very popular option – Get a Quote
  • Gen Plus Dental – Use Any Dentist
  • Learn more about the Dental Gen Plans

Why so Many Dental Options?

Dental insurance policies can vary greatly in price and coverage levels. While a young person may simply want an inexpensive plan for cleanings, x-rays and exams, a person age 65 may want coverage for major dental work or crowns and root canals. On the other hand a family may be interested in coverage for braces, while another family may not have any need for coverage on braces.

Here are some key things to know about Golden Rule Insurance Company dental insurance plans

  • Traditional Policy Design and Easy to Understand
  • Two Cleanings, X-rays, Exams Covered Per a Calendar Year
  • National Network that offers Discounted Rates!
  • Annual maximum benefits from $1,000 to $3,000 per a year
  • Optional Vision Rider in most states

Learn more? Get A Quote.

Vision Insurance – An Optional Benefit

When buying Dental insurance you can package it with vision insurance in most states. An additional premium is required to add the vision insurance. This is an excellent way to save money as vision insurance on its own would cost more. Some of the best features of the vision insurance are:

-Network Eye Exams: – covered every 12 months

-Frames: Covered every 12 months – up to network allowance

-Select Contact Lenses: covered every 12 months 

-The Network includes : Private practices along with leading retailers!

What is the Cost of Dental and Vision Insurance?

Plan rates vary by state and coverage levels. Applicants may save money by applying for both dental and vision coverage at the same time.

Get A Quote and Learn more about Healthcare Dental and Vision

More on Dental Insurance by Golden Rule Insurance Company – a UnitedHealthcare Company

The dental insurance plans easily pair with other supplemental coverage. Golden Rule Insurance Company offers Fixed Indemnity, Accident, and more, through a single carrier.


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Dental Gen Plans – Dental Insurance for Seniors by Golden Rule Insurance Company, a UnitedHealthcare Company

Dental Gen Deluxe is a dental, hearing and vision plan for age 64 and above. These dental plans not only includes preventive, basic, and major dental coverage, but also coverage for dental implants.

Underwriter: Golden Rule Insurance Company – a UnitedHealthcare Company

Check Rates on this dental insurance product.

Information below is from the Golden Rule Dental Gen Brochure:

Plan is not currently offered in all states.

See Dental and Vision Insurance Plans

Preventive Care (deductible does not apply)

Policy pays 100% day one

Waiting Period : No waiting period            

Basic Services Deductible (maximum 3 individual deductibles per family, per calendar year)

You pay: $50 per person (combined basic and major services)

Major Services Deductible (maximum 3 individual deductibles per family, per calendar year)

You pay: $50 per person (combined basic and major services)

Policy pays 10% day one

40% after policy year one (in most states)

50% after policy year two

Waiting Period: No waiting period (in most states)                                

Orthodontics:  Not covered

Hearing Benefit

No waiting period 

Policy Pays: 

Exam – $75 per person, per policy year

Hearing Aids: $100 day one $300 after policy year one

$500 after policy year two

$750 after policy year three

Benefit increases each policy year is not used. If the benefit is used during any policy year, it will start over at the $100 level. Hearing benefit provides benefits in a stated amount regardless of the actual expenses incurred.

Annual Maximum (per calendar year)

We pay up to: $2,000 per person, per calendar year

Vision Benefit: Optional Vision benefits available in most states, for a small additional premium – often less than a separate vision plan!

Learn More, View the Dental Gen Brochure

Check Rates on the Dental and Vision Insurance Plans