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Two competitively priced dental options help your clients select the coverage that meets their needs and fits their budget.

Mutual Dental PreferredSM Insurance Policy
$  monthly premium* for $1,500 annual benefit
Mutual Dental ProtectionSM Insurance Policy
$  monthly premium* for $1,000 annual benefit

* Rates based on (). Change Location

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Coverage Your Clients Need

Our dental insurance policies pay benefits for three tiers of dental services:
Preventive Services

Cleanings and X-rays

Basic Services

Fillings, extractions and emergency treatment

Major Services

Crowns, dentures, bridges, root canals, periodontics, oral surgery

In-Network Providers

Policyholders always have the option to see the dentist of their choice. Our national network of approximately 375,000 dental provider locations offers dental services at negotiated rates. Out-of-pocket costs may be higher when an out-of-network dentist is used.

Provider Lookup

A Perfect Fit for Medicare Clients

Medicare doesn't cover dental services. That means bills for routine cleanings, fillings, crowns, bridges, dentures and root canals have the potential to take a bite out of your clients' savings.

You already have a built-in pool of people who need this important coverage - your current policyholders and prospective clients:

  • People who already own a Mutual of Omaha company Medicare supplement and want to add dental coverage
  • People who own another carrier's Medicare supplement or Medicare Advantage plan and want to add dental coverage
  • People aging into Medicare (age 64 and older) who are in the process of purchasing a Mutual of Omaha company Medicare supplement or another carrier's Medicare supplement or Medicare Advantage plan

Learn more about our Medicare supplements

 
Mutual Dental PreferredSM Insurance Policy
Mutual Dental ProtectionSM Insurance Policy

Outline of Coverage - DNT2 ()

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$ 

per month for ()

Add a Vision Rider for $8.28 per month

Outline of Coverage - DNT5 ()

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$ 

per month for 68175 ()

Add a Vision Rider for $8.28 per month
Issue Ages

19-99

19-99
Calendar Year Deductible

$0 per year
for preventive services

$50 per year
for basic and major services

$100 per year
for all services combined
Preventive Services

The percentage the plan pays for:

  • Two cleanings per year
  • X-rays

100%
Insured pays nothing

100%
Insured pays nothing
Basic Services

The percentage the plan pays for:

  • Fillings
  • Extractions
  • Emergency treatment

80%
Insured pays 20%

50%
Insured pays 50%
Major Services

After a 12-month waiting period, the percentage the plan pays for:

  • Crowns
  • Dentures
  • Bridges
  • Root canals
  • Periodontics
  • Oral surgery

50%
Insured pays 50%

50%
Insured pays 50%
Calendar Year Benefit

The maximum amount the policy pays each calendar year for all covered services

$1,500

$1,000
Lifetime Maximum Benefit for Implants

The maximum amount the policy pays for dental implants

$3,000

$2,000
Out-of-Network Benefits

Charges are paid at the 80th percentile of the average cost of service in the customer's area. Customer then pays the difference to the dental provider.

The amount Mutual of Omaha pays is limited to the in-network discounted fee schedule meaning a dentist can balance-bill the customer the difference.

Vision Care Rider

The Vision Benefits rider may be added to either dental insurance policy. This rider provides a reimbursement benefit that pays for:

  • Eye Exams: Up to $50 every calendar year for one eye exam (no waiting period)
  • Eyeglasses and Contact Lenses: Up to $150 every two calendar years for eyeglasses or contact lenses (after a six-month waiting period)
Here’s how it works:
  • No Provider Network - Policyholders can see the vision care provider of their choice
  • No Waiting Period for Eye Exams - There's no waiting period for eye exams. Following a six-month waiting period, policyholders are eligible for benefits for eyeglasses and contact lenses
  • Reimbursement Benefit - The rider reimburses the policyholder up to the maximum benefit. Amounts in excess of the maximum are the policyholder’s responsibility
  • Submitting a Request for Reimbursement - After paying for an eye exam, glasses or contact lenses, the policyholder can submit a request for reimbursement by emailing a qualified proof of the expense (itemized receipt, explanation of benefits or other document that records the expense) to vision.claims@mutualofomaha.com. The request also can be faxed to 402-997-1869 or they can call 800-775-1000 and select the vision benefits claims option.
  • Works with Other Vision Care Benefits - The Vision Care Benefits rider can be used in conjunction with any other vision care benefit or discount the policyholder may have.
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