UnitedHealthcare offers dental coverage through employers, individual plans and some Medicare Advantage plans. Employer plans are commonly a PPO using the National Options PPO network, or a managed-care plan that covers in-network care only.
Your card or plan summary names the network — for example National Options PPO 30 or PPO 20 for PPO plans, or a managed-care or exclusive network for DHMO-style plans.
Representative dental illustration from the Family Dentistry Clinic image library.This guide explains how common dental plan types and networks work. Benefits, networks and costs differ from plan to plan and change over time. Family Dentistry Clinic is an independent directory and is not affiliated with any insurer. Confirm coverage with your plan and the dental office before treatment.
| Plan or network | How it works | What to confirm |
|---|---|---|
| Dental PPO (National Options PPO) | See any dentist; costs are lower with a network dentist. Network names such as PPO 30 and PPO 20 identify different network options. | Which National Options network your plan uses. |
| DHMO / exclusive network plans | Benefits apply only with network dentists, often with no deductible or annual maximum and set copayments. | That the dentist participates in the exact network named in your plan. |
| Medicare Advantage dental | Some Medicare Advantage plans include dental benefits with their own networks and limits. | The plan’s dental network and annual benefit limit. |
Representative imageOn myuhc.com, choose Find a dentist and select the network named in your plan materials, such as National Options PPO 30.
Confirm with the office that it participates in that network — UnitedHealthcare uses several dental networks, and participation in one does not mean participation in all.
Write down the name of the person you spoke to and the date. Coverage questions are easier to resolve later when you have a record.
These clinics in our directory list this plan in the sources we checked. Plan participation changes, so confirm your specific plan and network with the office.
Don’t see a clinic near you? Browse the clinic directory and ask each office about your plan.
It is the name of a UnitedHealthcare dental PPO network used by many employer plans. Your plan documents tell you which network applies to you.
Generally no. DHMO and exclusive network plans pay benefits only when you use a network dentist.
Some Medicare Advantage plans do. Check the plan’s summary of benefits for dental coverage and limits.
We checked carrier, government and employer plan documents listed below. Plan names and networks can change, and individual plans vary.
Family Dentistry Clinic is an informational directory and does not sell insurance or provide dental treatment. See our editorial policy and medical disclaimer.
Use the clinic directory to find practices near you, then call to confirm they participate in your plan’s network. Compare typical fees in our dental cost guide.
