Health & Wellness
Keep your smile in top form! Regular dental care is a key part of your overall health, and our dental plans have you covered. From routine checkups and cleanings to fixing issues before they turn into bigger problems, we’ve got your back.
New this year: Dental is now separate from medical, so you can enroll in dental on its own, choose the lineup that fits you, and pick your coverage your way.
Check out the plan comparison below, then review your Benefits Guide and plan summaries for the full details.
| Plan Features | DMO Plan | DPO Plan |
|---|---|---|
| Network | Must select a Primary Care Dentist (PCD) within the DMO network. | Freedom to choose any licensed dentist. |
| In-Network Savings | Prepaid plan with a network of dentists. | Greatest savings with in-network dentists. |
| Out-Of-Network Coverage | No coverage for out-of-network dentists. | Pay a percentage of Reasonable and Customary (R&C) fees. |
| Specialist Access | Your PCD must submit a referral. | No referrals needed. |
| Find a Provider | Log into UMR.com to select from the DMO network. | Visit any UMR provider or out-of-network dentist. |
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DOCUMENTS
| Plan Features | UMR DMO Plan | UMR DPO Plan | |
|---|---|---|---|
| In-Network Only | In-Network | Out-of-Network* | |
| Calendar Year Benefit Maximum | None | $1,500 per person | |
| Orthodontia Lifetime Maximum(adults & children) | $2,000 per person | $1,500 per person | |
| You pay: | You pay: | ||
| Annual Deductible(waived for preventive Services) Individual/Family | None | $50 / $150 | |
| Diagnostic & Preventive Services(e.g., x-rays, cleanings, exams) | Covered in full | Covered in full | Covered in full |
| Basic & Restorative Services(e.g., fillings, extractions, root canals) | Copay varies (refer to plan summary) | 20% | 20% |
| Major Services(e.g., dentures, crowns, bridges) | Copay varies (refer to plan summary) | 50% | 50% |
*For out-of-network services, members pay applicable coinsurance plus any amount exceeding the usual, customary, and reasonable charge.