Dental Insurance

Unum Dental Insurance can help you enhance your benefits package without incurring direct costs to your organization.

Dental health is essential for maintaining overall health, but dental cleanings and procedures typically aren't covered by health insurance – leaving employees with bills to pay and less desire to seek dental care. Unresolved dental issues can lead to more serious problems, resulting in even more expenses and time off.

Dental insurance is one of the most popular workplace benefits. In fact, 96% of employers now offer dental coverage.¹ Besides creating a more competitive benefits package, dental coverage helps reduce out-of-pocket expenses for an array of procedures, including:

• Cleanings
• Fillings
• Sealants
• Tooth removal
• Crowns
• Dentures

For illustrative purposes. Actual coverage amounts may vary by plan.

1. 2017 Health and Voluntary Benefits Survey Results. Employee Benefit Research Institute. Paul Fronstin, Ph.D., Employee Benefit Research Institute, and Lisa Greenwald, Greenwald & Associates, “Workers Rank Health Care as the Most Critical Issue in the United States.” EBRI Notes, Vol. 39, No.1. Jan. 25, 2018. Page 7-8. The results of the 2017 survey were reported to be unchanged from 2016 survey result. However, the 2017 findings focus more about the general perceptions of the healthcare system. [See summary of the 2016 Health and Voluntary Benefits Survey. “87% of workers report that employment-based health insurance is extremely or very important, followed by a retirement savings plan (77 percent) and dental or vision (72 percent).”]

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

The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.