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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
Low monthly premium for $1,500 annual benefit
Mutual Dental ProtectionSM Insurance Policy
$ monthly premium* for $1,000 annual benefit
* Rates based on (). Change Location
Lower monthly premium for $1,000 annual benefit
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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.
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
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Mutual Dental PreferredSM Insurance Policy |
Mutual Dental ProtectionSM Insurance Policy |
|
---|---|---|
View Rates Online |
View Rates Online |
|
Issue Ages |
19-99 |
19-99 |
Calendar Year Deductible |
$0 per year $50 per year |
$100 per year |
Preventive ServicesThe percentage the plan pays for:
|
100% |
100% |
Basic ServicesThe percentage the plan pays for:
|
80% |
50% |
Major ServicesAfter a 12-month waiting period, the percentage the plan pays for:
|
50% |
50% |
Calendar Year BenefitThe maximum amount the policy pays each calendar year for all covered services |
$1,500 |
$1,000 |
Lifetime Maximum Benefit for ImplantsThe 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. |
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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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