Dental Insurance

Dental insurance helps people pay for the dental services they need. With Mutual of Omaha, there are no surprises. Your clients will have the confidence of knowing what their out-of-pocket costs will be.

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Product Availability

Check to see where dental insurance is approved for sale.

Availability by State Product and Rate Guide

	Mutual Dental Preferred^SM Insurance Policy	Mutual Dental Protection^SM Insurance Policy
	Outline of Coverage - DNT2 () View Rates Online Enter ZIP Code $ per month for () Add a Vision Rider for $ per month	Outline of Coverage - DNT5 () View Rates Online Enter ZIP Code $ per month for 68175 () Add a Vision Rider for $ 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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