Dental Insurance

Take care of your oral health — and finances

Caring for your oral health shouldn’t break the bank. Dental Insurance from Unum can provide coverage for X-rays, exams and procedures, and it covers preventive cleanings at no cost.

Already a Unum Dental policyholder?

To access your coverage or learn more about your benefits,
select the ID card that matches yours:

Starmount Dental Card

Sample dental insurance identification card

United Concordia Dental Card

Sample dental insurance identification card

Dental care so you can keep on smiling

Convenient, affordable Dental Insurance that helps pay for the prevention and treatment you need

Brushing and flossing help keep your teeth clean at home, but professional dental care is an important part of your overall health. Dentists are often the first to spot signs of certain major health conditions — regular dental exams can reveal signs of oral cancer, heart disease, diabetes and other diseases, making them easier to treat or control.1

We make caring for your smile easy. As a Unum Dental member, you can go to any dentist you like, and we also provide discounted fees through our PPO network of more than 323,000 access points across the country.

What do Unum Dental plans cover?

A good dental plan makes caring for your oral health easy. In addition to no-cost preventive care, our dental plans can offset expenses for services such as:

  • Extractions
  • Oral surgery
  • Repairs of crowns and dentures
  • Oral cancer screening
  • And more

Dental coverage can be purchased through your workplace. Talk with your HR representative for more information.

Commonly asked questions about Dental Insurance

How does Dental Insurance work?

When you visit your dentist, office staff can usually submit a claim on your behalf to help cover your visit and the care you’ve received. Most policyholders choose to have the benefits paid directly to the dentist.

Unum Dental members can visit any dentist and receive coverage. Whether you use an in-network or out-of-network provider, the same benefit amounts are paid. However, the services are discounted when you use a provider in our national network.

How do I know if my provider is in-network?

To find a new dentist or check if your existing provider is part of our network, select the card above that matches yours. You’ll then be taken to the correct coverage portal where you’ll be able to search for providers in your area.

How can I find out how much I will pay out-of-pocket for a dental procedure?

We encourage you to receive a pre-treatment estimate on services or treatments that cost more than $300. Although not required, it will provide you with an estimate of benefit coverage and your out-of-pocket expenses.

Can I keep my Dental Insurance if I leave my job?

Dental is not portable, but COBRA coverage is typically available depending on group size and reason for termination.

1. Mayo Clinic, “Oral Health: A Window to Your Overall Health” (April 30, 2016)

Starmount dental plans are marketed by Unum, and administered and underwritten by Starmount Life Insurance Company Baton Rouge, LA.

In New York, dental plans are marketed by Unum, administered by Starmount Life Insurance Company and underwritten by Provident Life and Casualty Insurance Company, Chattanooga, TN

United Concordia Dental plans are marketed by Unum, administered by United Concordia Companies, Inc., and underwritten by United Concordia Life and Health Insurance Company, United Concordia Dental Corporation of Alabama, United Concordia Insurance Company of New York, United Concordia Dental Plans of California, Inc., United Concordia Dental Plans of Texas, Inc., United Concordia Insurance Company. For more information, please visit the “Disclaimers” link at Administrative and claims offices are located at 4401 Deer Path Road, Harrisburg, PA 17110 (888-222-2685).