Dental Insurance

In today’s job market, dental benefits are critical to attracting and retaining top talent. Unum Dental plans cover routine care as well as more expensive dental procedures, reducing employees’ out-of-pocket costs while maintaining their oral health.

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Flexible coverage backed by a national network

With Unum Dental, you have access to decades of industry experience, expert customer service and the flexibility to design a dental plan that fits the needs of your business and employees. Our plans are supported by an extensive national network, online resources and simple administration tools.

  • Design Preferred Provider Organization (PPO) plans to suit your business
  • Discover options for fully insured and self-insured plans
  • See flexible coinsurance percentages by service type
  • Enjoy 100% coverage for preventive services such as cleanings and exams
  • Reduce out-of-pocket costs with a large national network
  • Access care from any provider in or out of network
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Easy administration

Deliver the dental benefits your employees need with seamless online administration that engages employees and helps you manage your plan.

  • Find benefit information, complete tasks and communicate securely
  • View and pay a single bill and see the total premium due across all Unum policies
  • Receive convenient notifications when bills are due or tasks are ready
  • Keep things simple and secure with easy account access and self-service resets

For your employees

Easily manage benefits on Unum Dental’s member website: 

  • Search for in-network dental providers
  • Access the dental health center
  • Print ID cards, view claim history, access coverage information
  • Schedule a virtual dental visit 24/7 for emergencies when in-person visits aren't an option. Available for active dental members as a preventive service

Virtual Dental Benefits 24/7

Your Unum Dental plan now provides access to virtual dental visits, so employees can get the dental care they need for a dental emergency while traveling or anytime they can’t seek treatment in person.

How much can members save?

Dental costs vary from region to region, but Unum Dental members everywhere benefit two ways:

  • Discounted fees for in-network services
  • Insurance coverage of up to 50%, 80% or even 100% for some services

In-network savings with Unum Dental
For example, a crown:1

In-network dentist:

Network average negotiated fee2


50% coinsurance

$673 X 50% = $336.50

Plan pays


Member pays3


Out-of-network dentist:

Billed charge4


50% coinsurance

$1,385 X 50% = $692.50

Plan pays


Member pays5

$1,385 – $692.50 = $692.50

In network savings: $356

For this example, visiting an in-network provider would cost less than half what a member would pay out-of-network

More dentists nationwide

Our growing provider network stretches from coast to cost, so your employees have a quick and convenient access to in-network care.


We make it easier to protect your workforce

Our convenient digital claims app streamlines administration for employers while making it easier for employees to enroll, make claims and get support. Help support your workforce's health and financial security with Dental Insurance.

  1. For illustrative purposes only. Actual cost can vary based on care received, provider, geographical area, plan type and other factors. This example is for a full cast predominantly base metal crown (D2791) and assumes the deductible has already been met.
  2. The negotiated fee is the amount a participating provider contractually agrees to accept as payment in full for covered services. Based on average contracted rate for D2791 in zip code 75218.
  3. The plan pays the participating provider’s contracted amount less any coinsurance and deductible. The patient is responsible for their deductible and coinsurance.
  4. Based on the 2022 average billed charges by out-of-network providers in zip code 75218.
  5. The patient is responsible for the coinsurance, deductible and any balance between the billed amount and allowed amount. For this example, the billed charges were less than the allowed amount, and there is not a balance.
  6. 2021 Unum Group Annual Report

Self-insured dental claims are administered by Starmount Life Insurance Company, Baton Rouge, LA.

MA residents — The approved Service Area consists of all of Massachusetts EXCEPT Dukes and Nantucket Counties.

A Dental Network Access Plan is available.


This policy provides DENTAL insurance only.

Unum Dental PPO plans are underwritten by Starmount Life Insurance Company, Baton Rouge, LA. In New York, 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.

Applicable to policy forms DN-2007, DN-2010, DN-2015, and 20-GDN-POL.

An insurance producer may be in contact with you.

Virtual dentist visits are a preventive service and subject to the policy year maximum benefit.