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

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