Available to employers with 200 or more employees

Therefore, we have developed new dental plan alternatives specifically for employers who are looking for more options. Whether you are considering a move from a Dental HMO to a PPO plan, exploring options to begin offering dental and vision coverage as part of your benefit package or have other circumstances where affordability is a key component, these plans offer affordable and flexible plan options to you. We have now expanded our dental product offerings to include the In-Network Only (INO) plan, and the Dental plus Vision plan. The chart below portrays how these new options compare to other dental products in terms of benefit flexibility and price:

UnitedHealthcare Dental INO (In-Network Only) Plan*
With the Dental INO plan, you and your employees can experience the broad access of a large PPO network with the affordability of a managed care dental plan. We offer a range of INO plan designs to meet your needs and budget. From traditional coinsurance plans to plans with fixed copay options, Dental INO allows more out-of-pocket predictability at the point of service than traditional plans. We also provide a range of deductibles and maximums to accommodate the diverse needs of your employees. And our Dental INO plans are available on both a contributory and voluntary basis.

Benefits to Employers:

• Low, medium, and high fixed copay options, along with coinsurance flexibility
• Available on both a contributory and voluntary basis
• Designed for single or multi-site employers
• Access to a broad national dental PPO network to reduce claim costs
• Ability to offer dental coverage to a diverse workforce

Benefits to Employees:

• Ability to access any dentist in our large, continually growing national PPO network
• Ability to visit any dentist in the network, without a referral
• Lower premium due to no coverage outside of network
• No claim forms to submit

UnitedHealthcare Dental plus Vision Plan*
With the Dental plus Vision plan, you can offer low-cost, essential dental and comprehensive vision coverage to every employee, including part-time employees and those who are ineligible for standard benefits. This coverage includes preventive and diagnostic dental services, along with vision exams and standard vision materials. The flexible plan designs offered also enable you to give your employees the opportunity to "buy up" in regard to certain optional coverage, such as coverage for dental fillings.

We also offer flexible pricing options: You can choose to contribute to the premium or provide Dental plus Vision as an employee-pay-all benefit.

Benefits to Employers:

• Combined premium for both dental and vision products
• Consolidated billing
• Single point of contact for account service

Benefits to Employees:

• No deductibles or waiting periods
• No balance-billing or claim forms when using in-network providers
• Combined ID card for both dental and vision
• Nationwide dental PPO network of more than 55,000 dentists
• Nationwide vision network of more than 16,000 private practice and retail chain providers

For more information about these plans or any of our other dental plan offerings, please contact your UnitedHealthcare representative.

* All products may not be available in all states on a fully insured basis. Please contact your UnitedHealthcare representative.

UnitedHealthcare Dental products are underwritten by United HealthCare Insurance Company, Hartford, CT (except in New York), or United HealthCare Insurance Company of New York, Hauppauge, NY (New York only). Vision products are underwritten by the following entities: United HealthCare Insurance Company and American General Assurance Company.