UnitedHealthcare Dental and Vision FAQs: Answers on DentalWise, VisionWise and Hearing
These answers cover the questions people ask most about UnitedHealthcare dental and vision plans. Licensed Vivna agents wrote each one in plain English. Because rules change by state, every answer shows where it applies. Call 888-730-6001 anytime for free help.
Vivna Insurance is an appointed, authorized broker for UnitedHealthcare. We are an independent agency, not UnitedHealthcare. Plans and availability vary by state.
Plan Basics and Eligibility
Start here to learn what DentalWise and VisionWise are. Then see who can join a plan.
β What is UnitedHealthcare DentalWise?
DentalWise is individual dental insurance for individuals and families.
It comes in three plan levels. Also, Golden Rule Insurance Company underwrites it, and Dental Benefit Providers, Inc. administers the benefits.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β What is UnitedHealthcare DentalWise Max?
DentalWise Max is one plan that combines dental, vision and hearing coverage for individuals and families.
Also, you get the vision and hearing benefits no matter which dental level you choose.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
β What is UnitedHealthcare VisionWise?
VisionWise is individual vision insurance for individuals and families.
It covers a yearly eye exam plus allowances for glasses and contact lenses. Also, Spectera, Inc. administers the benefits.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β Who is the insurance company behind DentalWise, DentalWise Max and VisionWise?
Golden Rule Insurance Company underwrites DentalWise, DentalWise Max and VisionWise.
Dental Benefit Providers, Inc. administers the dental benefits. Meanwhile, Spectera, Inc. administers vision, and UnitedHealthcare Hearing administers hearing.
π Where this applies: Most states Vivna serves, except California, New Mexico and Rhode Island
β What is the difference between DentalWise and DentalWise Max?
DentalWise is dental-only, while DentalWise Max adds vision and hearing benefits.
Max also offers a Plan 3000 level with a $3,000 yearly maximum. However, it has no Basic Plan.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
β Does DentalWise include vision coverage?
No, DentalWise is a dental-only plan.
Instead, vision is available through DentalWise Max, which bundles dental, vision and hearing. A separate VisionWise plan also offers vision.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Do DentalWise or VisionWise replace health insurance?
No, they are supplemental plans meant to add benefits alongside health insurance.
Also, they are not Minimum Essential Coverage under the Affordable Care Act.
π Where this applies: Most states Vivna serves, except California, New Mexico and Rhode Island
β Can I have DentalWise or VisionWise along with my health plan or Medicare Advantage plan?
Yes, these plans are separate from any health or Medicare Advantage coverage you have with another company.
Overall, they provide optional extra benefits for an additional premium.
π Where this applies: Most states Vivna serves, except California, New Mexico and Rhode Island
β Can I cover my whole family on DentalWise or VisionWise?
Yes, the plans can cover you, a spouse or domestic partner, and eligible children.
However, deductibles, maximums and benefits apply per insured person.
π Where this applies: Most states Vivna serves, except California, New Mexico and Rhode Island
β What ages can enroll in DentalWise, DentalWise Max or VisionWise?
The primary insured can be 18 to 99 years old.
A spouse or domestic partner can be 16 to 99. Also, children qualify under age 26, or as defined by your state.
π Where this applies: Most states Vivna serves, except California, New Mexico and Rhode Island
β Can older adults buy DentalWise or VisionWise?
Yes, the primary insured can be any age from 18 to 99.
Also, these plans are separate from any Medicare Advantage coverage you may have.
π Where this applies: Most states Vivna serves, except California, New Mexico and Rhode Island
β Do I have to answer health questions to get DentalWise?
Generally no, because UnitedHealthcare describes DentalWise as guaranteed issue coverage for issue ages 18 to 99.
It aims to make dental benefits accessible to a wide range of eligible applicants.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Which children can I add to DentalWise or VisionWise?
Your natural children, adopted children and stepchildren under age 26 qualify.
However, some states raise the age limit. Others add foster children, grandchildren or adult children with disabilities.
π Where this applies: Most states Vivna serves, except California, New Mexico and Rhode Island
β Can my child stay on DentalWise or VisionWise past age 26?
In some states, yes, your child can stay on past age 26.
For example, Florida's limiting age is 31, and Illinois covers children under 30. Ohio covers children under 28, and Connecticut's limit is 27. Several states also cover adult children with disabilities.
π Where this applies: FL, IL, OH, CT, CO, ID, NC, TX
β Can I add my domestic partner to DentalWise or VisionWise?
Yes, you can add a domestic partner as defined by your state.
A spouse or domestic partner can be 16 to 99. Also, some states include civil union partners or reciprocal beneficiaries.
π Where this applies: Most states Vivna serves, except California, New Mexico and Rhode Island
β What if I move to a different state after I enroll?
UnitedHealthcare asks that you notify them if you change your residence.
Plan availability and state rules differ, so a licensed agent can check your new state.
π Where this applies: Most states Vivna serves, except California, New Mexico and Rhode Island
DentalWise and DentalWise Max Plans
These answers compare plan levels, maximums and deductibles. As a result, you can match a plan to the care you expect.
β What DentalWise plan levels are there?
DentalWise has three plan levels: the Basic Plan, Plan 1000 and Plan 2000.
The Basic Plan covers preventive and basic care. Plan 1000 adds major services. Then Plan 2000 adds implants and a higher maximum.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β What is the yearly maximum on DentalWise?
The Basic Plan and Plan 1000 pay up to $1,000 per person, per policy year.
Plan 2000 pays up to $2,000. Also, the maximum applies after deductible and coinsurance.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β What is the deductible on DentalWise?
Every DentalWise plan has a $100 deductible per person, per policy year.
However, preventive services are not subject to the deductible.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does the DentalWise Basic Plan cover crowns or root canals?
No, the DentalWise Basic Plan does not cover major services.
That includes crowns, root canals, bridges, dentures, periodontics, oral surgery and implants. Instead, it covers preventive and basic services only.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Which DentalWise plan covers implants?
Only DentalWise Plan 2000 covers dental implants.
The plan pays 50% after the deductible, following a 12-month waiting period. Also, there is a $1,500 lifetime implant maximum.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Is the DentalWise Basic Plan available in every state?
No, the DentalWise Basic Plan is not available in Colorado or Minnesota.
Instead, those states offer DentalWise as Plan 1000 or Plan 2000.
π Where this applies: Colorado and Minnesota
β What does "Plus" mean in a DentalWise plan name?
The "Plus" label changes how DentalWise pays out-of-network dentists.
"Plus" plans base non-network benefits on reasonable and customary charges. By contrast, other plans use the network negotiated rate. Which one applies depends on your ZIP Code.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β How do I choose between DentalWise plan levels?
Balance the premium against the care you expect to use.
Higher levels add major services, implants and bigger yearly maximums. A licensed agent can also compare the options side by side.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β What DentalWise Max plan levels are there?
DentalWise Max has three plan levels: Plan 1000, Plan 2000 and Plan 3000.
All three cover preventive, basic and major dental services. However, they differ by yearly dental maximum and implant coverage.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
β What is the yearly dental maximum on DentalWise Max?
Plan 1000 pays up to $1,000, Plan 2000 up to $2,000 and Plan 3000 up to $3,000.
These amounts apply per person, per policy year.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
β What is the deductible on DentalWise Max?
The DentalWise Max dental deductible is $100 per person, per policy year.
That amount is the same on every plan level. However, preventive dental care is not subject to the deductible.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
β Which DentalWise Max plans cover implants?
DentalWise Max Plan 2000 and Plan 3000 cover implants.
They pay 50% after the deductible, after a 12-month waiting period, up to $1,500 per lifetime. However, Plan 1000 does not cover implants.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
β Do the vision and hearing benefits change with the DentalWise Max plan level?
No, every DentalWise Max plan includes the same vision and hearing benefits, whatever dental plan you choose.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
β Are the vision benefits in DentalWise Max the same as VisionWise?
Nearly, since the exam, lens, frame and contact lens allowances all match.
However, the DentalWise Max brochure lists a $10 network copay on contact lenses.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
β How much does DentalWise pay for checkups and cleanings?
Every DentalWise and DentalWise Max plan pays 100% for checkups and cleanings, with no deductible.
That includes two exams and two cleanings per person, per policy year.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β How much does DentalWise pay for fillings?
Fillings are basic services, so the plan pays 60% after the deductible in the first policy year.
Then, from the second policy year on, it pays 80%.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β How much does DentalWise pay for crowns, bridges and root canals?
On plans with major coverage, DentalWise pays 15% after the deductible in the first policy year.
Then, from the second policy year on, it pays 50%. However, the Basic Plan does not cover crowns, bridges or root canals.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Why does DentalWise pay more after the first year?
DentalWise coinsurance steps up after your first policy year.
Basic services go from 60% to 80%, and major services go from 15% to 50%. Meanwhile, preventive care stays at 100%.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β What is a policy year on DentalWise or VisionWise?
A policy year is each 12-month period starting on your effective date.
Deductibles, yearly maximums and once-a-year benefits all run on the policy year.
π Where this applies: Most states Vivna serves, except California, New Mexico and Rhode Island
β Does the DentalWise deductible apply to preventive care?
No, DentalWise pays preventive services at 100% with no deductible.
However, all other dental services are subject to the deductible.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does the implant maximum count against my yearly DentalWise maximum?
No, the $1,500 implant lifetime maximum is separate from the yearly dental benefit maximum.
In fact, it is not subject to the yearly maximum.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β What happens when I reach my DentalWise yearly maximum?
The plan stops paying dental benefits for that person until the next policy year.
Also, the plan does not cover services above the maximum or frequency limits.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β What is the alternate procedure rule on DentalWise?
Sometimes more than one treatment can fix the same dental problem.
In that case, DentalWise bases benefits on the least expensive option with a professionally satisfactory result.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
Enrollment, Premiums and Cancellation
Here you can see how to enroll, how premiums work and how to cancel. Plus, learn when coverage starts.
β When does DentalWise or VisionWise coverage start?
DentalWise and VisionWise coverage starts on the policy effective date once conditions are met.
First, Golden Rule must approve your application. In addition, you must pay the first full premium by that date.
π Where this applies: Most states Vivna serves, except California, New Mexico and Rhode Island
β Can I use DentalWise as soon as my policy starts?
Yes, preventive care, basic services and most major services start on the policy effective date.
However, only implants have a waiting period.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β How do I get a quote for DentalWise or VisionWise?
A licensed agent, such as Vivna Insurance, can quote and enroll you through UnitedHealthcare's eStore.
That said, availability varies by state.
π Where this applies: Most states Vivna serves, except California, New Mexico and Rhode Island
β How much notice do I get before a DentalWise or VisionWise rate change in my state?
In most states, you get at least 31 days' notice before a rate change.
However, Maryland requires 40 days. Florida, Louisiana, Montana and Utah require 45. Georgia, Maine, Nevada and Wisconsin require 60. Finally, Mississippi requires 75.
π Where this applies: FL, GA, LA, MD, ME, MS, MT, NV, UT, WI
β Is there a free look period on DentalWise or VisionWise?
Yes, you have 10 days after issue to return your policy for a refund of premium paid.
However, some states extend this to 30 days.
π Where this applies: Most states Vivna serves, except California, New Mexico and Rhode Island
β Which states have a 30-day free look on DentalWise and VisionWise?
Several states extend the DentalWise and VisionWise free look to 30 days.
They are Connecticut, Georgia, Indiana, Iowa, Louisiana, New Hampshire, North Carolina, South Carolina and Utah.
π Where this applies: CT, GA, IN, IA, LA, NH, NC, SC, UT
β Can I cancel DentalWise or VisionWise?
Yes, you can cancel DentalWise or VisionWise.
Coverage generally ends at the end of the premium period after you request termination. However, some states end it on the date your request is received.
π Where this applies: Most states Vivna serves, except California, New Mexico and Rhode Island
β Is DentalWise or VisionWise renewable?
Yes, DentalWise and VisionWise policies are renewable.
Your policy renews until premiums go unpaid, you cancel, fraud occurs, or the plan is discontinued in your state. It also ends at death if you are the only insured.
π Where this applies: Most states Vivna serves, except California, New Mexico and Rhode Island
β What happens if I miss a DentalWise or VisionWise payment?
The policy can end for nonpayment of premium when due, subject to the policy terms.
However, some states require written notice before it ends.
π Where this applies: Most states Vivna serves, except California, New Mexico and Rhode Island
β Does DentalWise pay for treatment finished after my coverage ends?
Generally no, because DentalWise excludes services after the termination date.
However, Tennessee pays for treatment started while insured and finished within 31 days. Maryland also has an extension of benefits provision.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
Preventive, Basic and Major Dental Care
These answers explain what dental services the plans cover. In addition, see how implants and orthodontia work.
β How many cleanings a year does DentalWise cover?
DentalWise covers two routine cleanings and two oral exams per person, per policy year.
Also, it pays them at 100% with no deductible.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β How often does DentalWise cover dental X-rays?
DentalWise covers bitewing X-rays up to 4 films per policy year.
It also covers a full-mouth series, panoramic X-ray or vertical bitewing set once every 36 months.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does DentalWise cover fluoride and sealants for kids?
Yes, DentalWise covers fluoride and sealants for insured persons under age 16.
It covers fluoride treatments twice per policy year. Plus, it covers sealants once per first and second permanent molar every 36 months.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does DentalWise cover fluoride treatments for adults?
No, DentalWise covers fluoride treatments only for insured persons under age 16.
Also, the plan excludes take-home fluoride and other dental supplies.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β What basic services does DentalWise cover?
Basic services include fillings, simple extractions, local anesthesia and one therapeutic drug injection per visit.
The plan also covers general anesthesia with oral surgery or removal of 7 or more teeth.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does DentalWise cover tooth-colored fillings?
Yes, DentalWise covers tooth-colored fillings on front teeth.
The plan limits resin-based composite fillings to anterior teeth. It also covers amalgam (silver) fillings.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does DentalWise pay for more than one filling on the same tooth?
DentalWise treats multiple restorations on the same tooth as one filling.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does DentalWise cover tooth extractions?
Simple extractions are a basic service on all DentalWise plans.
However, surgical extractions are a major service. The plan covers them once per tooth per lifetime on plans with major coverage.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does DentalWise cover wisdom teeth removal?
DentalWise excludes surgical extraction of wisdom teeth.
However, Virginia is an exception, where the policy's oral surgery benefit allows it.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does DentalWise cover sedation or laughing gas?
DentalWise excludes nitrous oxide and non-IV conscious sedation.
However, it covers general anesthesia as a basic service with oral surgery or removal of 7 or more teeth.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β What major services does DentalWise cover?
On plans with major coverage, DentalWise covers crowns, bridges, full and partial dentures, root canals and periodontal maintenance.
Major services also include surgical extractions and oral surgery on erupted permanent teeth.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does DentalWise cover root canals?
Yes, DentalWise covers root canals on plans with major coverage.
The plan covers root canals once per tooth per lifetime. After the deductible, it pays 15% in the first policy year and 50% after that.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does DentalWise cover dentures?
Yes, DentalWise covers dentures on plans with major coverage.
The plan covers full or partial dentures once every 60 months. However, it generally excludes dentures for teeth lost before coverage began.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β How often will DentalWise replace a crown or bridge?
DentalWise covers crowns and bridges once per tooth every 60 months.
The plan excludes replacement sooner, with limited exceptions. For example, one exception is replacing a temporary crown with a permanent one within 12 months.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does DentalWise cover gum disease care?
DentalWise covers periodontal maintenance twice per policy year as a major service.
However, the Basic Plan excludes all periodontic services.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Will DentalWise cover a bridge or denture for a tooth I lost before I enrolled?
Generally no, because DentalWise excludes initial dentures or bridges for teeth lost before coverage.
The exclusion also applies to congenitally missing teeth. However, the plan covers them if the tooth is lost while insured and replaced within 12 months.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Will DentalWise replace a crown or denture I had before enrolling?
Not right away, since you must first be insured for 12 continuous months.
Until then, DentalWise excludes replacing crowns, bridges, dentures or implants placed before coverage.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Will DentalWise replace a crown that can be repaired?
No, DentalWise excludes replacing a crown that can be repaired or restored to function.
The same exclusion also applies to bridges, dentures, inlays, onlays and veneers.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does DentalWise cover dental implants?
Yes, on DentalWise Plan 2000 and DentalWise Max Plans 2000 and 3000.
First, there is a 12-month waiting period. After that, the plan pays 50% after the deductible, up to $1,500 per lifetime.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β What implant services does DentalWise cover?
DentalWise covers implant placement, implant-supported prosthetics and implant maintenance.
However, the plan limits each one to once per tooth every 60 months.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does DentalWise cover bone grafts for implants?
Generally no, DentalWise excludes bone grafts and tissue regeneration in toothless areas.
That exclusion includes ridge augmentation or preservation. However, Virginia has a limited exception.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does DentalWise cover braces or orthodontics?
No, DentalWise and DentalWise Max do not cover orthodontic treatment.
However, a few states require coverage for children with cleft lip or cleft palate.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Which states cover orthodontics for cleft lip or palate on DentalWise?
Colorado, Minnesota and South Carolina include cleft lip and palate orthodontic care as a major service.
Also, North Carolina covers needed care for dependents born with cleft lip or palate. However, Minnesota requires treatment to start before age 19.
π Where this applies: Colorado, Minnesota, North Carolina and South Carolina
Waiting Periods and Exclusions
Some dental care has a waiting period before benefits start. So check these timelines and exclusions before you schedule work.
β Does DentalWise have a waiting period?
No, DentalWise has no waiting period for preventive, basic and major services.
However, the only wait is 12 months for implants on plans that cover them.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Can I get a crown right away with DentalWise?
Yes, on plans with major coverage, there is no waiting period for crowns.
However, in the first policy year the plan pays only 15% after the deductible. After that, it rises to 50%.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Are implants covered during the DentalWise waiting period?
No, DentalWise does not cover implant expenses incurred during the 12-month waiting period.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Is there a waiting period on VisionWise?
No, VisionWise eye exam, eyeglass and contact lens benefits start with no waiting period.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β Is there a waiting period for hearing benefits on DentalWise Max?
No, DentalWise Max hearing exam and hearing aid benefits have no waiting period.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
β Does DentalWise cover teeth whitening or cosmetic dentistry?
No, DentalWise excludes services performed for cosmetic or aesthetic reasons.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does DentalWise cover TMJ treatment?
Generally no, DentalWise excludes treatment related to the temporomandibular joint (TMJ) and jaw surgery.
However, Georgia and Minnesota include TMJ treatment as a major service.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does DentalWise cover night guards or mouthguards?
No, DentalWise excludes mouthguards, occlusal guards, bruxism appliances and sleep disorder appliances.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does DentalWise cover dental care outside the United States?
DentalWise covers dental care outside the United States only for dental emergencies.
However, it does not cover any other care you receive outside the U.S.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does DentalWise cover hospital charges for dental work?
No, DentalWise excludes hospital or other facility charges for dental work.
It also excludes related anesthesia charges.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Does DentalWise cover medications my dentist prescribes?
DentalWise covers only drugs dispensed and used in the dental office during your visit.
However, it excludes other prescription or over-the-counter drugs.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Will DentalWise replace a lost or stolen dental appliance?
No, DentalWise excludes replacement of lost or stolen appliances.
However, if a replacement is needed because of provider error, that is the dentist's responsibility.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Can a family member be my dentist or eye doctor on these plans?
In most states, these plans exclude care from an immediate family member.
However, Arizona and Texas do not apply this exclusion. South Dakota allows it if the family member is the only provider within 50 miles.
π Where this applies: Most states Vivna serves, except California, New Mexico and Rhode Island
VisionWise Vision Benefits
These answers cover eye exams, glasses, contacts and the vision network. Also, see how allowances work.
β How often does VisionWise cover an eye exam?
VisionWise covers one eye exam per person, per policy year.
In network, you pay $0. However, out of network, the plan pays up to $50.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β How much does VisionWise pay for eyeglass lenses?
In network, standard lenses cost a $10 copay, then the plan covers them in full.
Out of network, the plan pays up to $40 for single vision, $60 for bifocal and $80 for trifocal.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β What is the frame allowance on VisionWise?
The VisionWise frame allowance is up to $150 in network, or up to $75 out of network.
It applies once per policy year. Also, you pay any amount above the allowance.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β What is the contact lens allowance on VisionWise?
The VisionWise contact lens allowance is up to $150 in network, or up to $105 out of network.
It applies once per policy year. Plus, it can cover up to a 12-month supply.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β What does "allowance" mean on VisionWise?
An allowance is the most the plan pays for an item, once per policy year.
For example, the plan fully covers $100 frames from a network provider. By contrast, from a non-network provider, the plan pays $75 and you pay $25.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β What counts as standard lenses on VisionWise?
VisionWise counts single vision, lined bifocal and lined trifocal or lenticular lenses as standard.
Eligible lenses also include standard scratch-resistant coating.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β Does the VisionWise frame benefit include fitting and adjustments?
Yes, standard VisionWise frames include the eyeglass frame, its fitting and later adjustments for comfort.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β Does VisionWise cover lens add-ons or upgrades?
No, VisionWise excludes optional lens extras and oversize lenses.
However, eligible lenses do include standard scratch-resistant coating.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β Does VisionWise cover LASIK?
No, VisionWise excludes corrective eye surgery such as LASIK, PRK and radial keratotomy.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β Does VisionWise cover medical eye problems?
No, VisionWise excludes medical or surgical treatment of the eyes.
Instead, it covers routine eye exams and prescription eyewear.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β Does VisionWise cover non-prescription sunglasses?
No, VisionWise excludes non-prescription items like plano lenses.
Instead, it covers only prescription eyewear.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β Will VisionWise replace lost or broken glasses?
VisionWise replaces lost or broken frames and lenses only at the normal benefit intervals.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β Does VisionWise cover vision therapy?
No, VisionWise excludes orthoptics, vision therapy training and related testing.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β Does VisionWise cover an eye exam my employer requires?
No, VisionWise excludes exams or eyewear an employer requires as a condition of employment.
However, VisionWise plans in Virginia do not apply this exclusion.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β Does VisionWise pay sales tax on glasses?
No, VisionWise does not cover sales tax on vision care services.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β What vision network does VisionWise use?
VisionWise uses the UnitedHealthcare Vision Network.
It includes private practice eye doctors, optometrists, ophthalmologists and well-known retail providers.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β How do I find a VisionWise eye doctor?
You can search for VisionWise network providers at myuhcvision.com.
However, not all providers participate in all plans, so check with the provider first.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β Do I need an ID card to use VisionWise?
No, VisionWise does not require an ID card at a network provider.
Instead, tell the provider you have UnitedHealthcare Vision. Then give your name and date of birth.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β Can I go out of network with VisionWise?
Yes, VisionWise pays out-of-network benefits as set allowances.
For example, it pays $50 for an exam and $75 for frames. However, you may pay more out of network.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
Hearing Benefits
Some plans include hearing benefits along with dental and vision. Here you can see what they pay for.
β Does DentalWise Max cover hearing aids?
Yes, DentalWise Max pays up to a $750 hearing aid allowance once every 2 policy years.
It applies toward prescription or over-the-counter hearing aids. However, you must use a UnitedHealthcare Hearing network provider.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
β Is the DentalWise Max hearing aid allowance per ear?
No, DentalWise Max hearing benefits are per person, not per ear.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
β Does DentalWise Max cover hearing exams?
Yes, DentalWise Max covers a routine hearing exam at 100% once per policy year.
This benefit applies through a UnitedHealthcare Hearing network provider.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
β Does DentalWise Max cover over-the-counter hearing aids?
Yes, OTC hearing aids bought online through UnitedHealthcare Hearing count toward the $750 allowance.
Plus, you do not need a hearing test for OTC aids.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
β Who are over-the-counter hearing aids meant for?
OTC hearing aids are meant for adults over 18 with self-diagnosed mild-to-moderate hearing loss.
That said, if you are unsure about your hearing loss, meet with a licensed hearing provider.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
β Can I use any audiologist with DentalWise Max hearing benefits?
No, DentalWise Max pays hearing benefits only through UnitedHealthcare Hearing network providers.
So the plan excludes services from non-network hearing providers.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
β How do I start using DentalWise Max hearing benefits?
Call UnitedHealthcare Hearing at 1-844-571-4958 or visit uhchearing.com/gric to get started.
There, you can find a provider and request a no-cost hearing test appointment. You can also browse OTC aids.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
β Does a prescription hearing aid on DentalWise Max include a fitting?
Yes, prescription hearing aids include a fitting appointment with an in-network provider.
You also get access to follow-up support from your provider.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
β Does DentalWise Max cover hearing aid batteries or repairs?
No, DentalWise Max excludes batteries, service contracts, ear molds and repairs.
It also excludes replacing an aid that is lost, stolen or damaged.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
β Does DentalWise Max cover ear plugs or assistive listening devices?
No, DentalWise Max excludes assistive listening devices and ear protection devices or plugs.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
Dental Network and Claims
These answers explain how to find a dentist and how claims get paid. Then see what to do if a claim needs help.
β What dental network does DentalWise use?
DentalWise and DentalWise Max use National Options PPO 30, a large national dental network.
Network dentists also offer negotiated discounts.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β Can I see any dentist with DentalWise?
Yes, DentalWise lets you see any dentist, anywhere in the country.
However, you may pay more out of network, because non-network dentists can bill up to their full charge.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β How do I find a DentalWise network dentist?
You can search for a DentalWise network dentist at yourdentalplan.com/dentistsearch.
Then show your dental ID card at your visit.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β How does out-of-network dental coverage work on DentalWise?
DentalWise still pays benefits out of network, but the dentist can bill you for the rest.
That balance can go up to the dentist's full charge. In addition, non-network payment is based on the network rate or reasonable and customary charges, by ZIP Code.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β How do I file a DentalWise claim?
With a network dentist, you need no claim forms for DentalWise.
A non-network dentist may also file for you. Otherwise, pay at the visit and submit the dental claim form at myuhc.com.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β What do I pay at a network dentist on DentalWise?
At a network dentist, you pay only your deductible and coinsurance.
First, show your dental ID card at the visit. Then the plan pays the dentist its covered benefit, and the dentist bills you the rest.
π Where this applies: Most states Vivna serves, except California, Montana, New Jersey, New Mexico and Rhode Island
β How do I file a VisionWise claim?
Network VisionWise visits need no claim forms.
At a non-network provider, pay in full first. Then submit the details for reimbursement of covered benefits.
π Where this applies: Most states Vivna serves, except California, Minnesota, New Mexico and Rhode Island
β Do I file a claim for hearing aids on DentalWise Max?
No, purchases through UnitedHealthcare Hearing do not require a claim.
However, you pay any amount above the allowance or frequency limit.
π Where this applies: AL, AZ, CT, DC, DE, FL, IA, ID, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NH, NV, OK, PA, SC, SD, TN, TX, UT, VA, WI, WV, WY
Dental and Vision Rules by State
Dental and vision rules change from state to state. For that reason, each answer shows where it applies.
β How long can my child stay on DentalWise or VisionWise in Florida?
In Florida, the limiting age for dependent children is 31.
Foster children are also eligible dependents.
π Where this applies: Florida
β How do I cancel DentalWise or VisionWise in Florida?
In Florida, coverage ends when UnitedHealthcare receives your request to terminate.
π Where this applies: Florida
β What if UnitedHealthcare stops offering my plan in Florida?
You get at least 90 days' notice and an offer of similar coverage without regard to health.
However, if all coverage leaves Florida, notice is at least 180 days.
π Where this applies: Florida
β Does DentalWise cover TMJ in Georgia?
Yes, in Georgia, DentalWise major services include TMD (TMJ) treatment as outlined in the policy.
π Where this applies: Georgia
β Can I add my domestic partner to DentalWise or VisionWise in Georgia?
Yes, if you both attest that you meet the policy's definition of domestic partner.
Among other things, the definition requires living together at least six months and being 18 or older.
π Where this applies: Georgia
β What does DentalWise cover differently in Minnesota?
In Minnesota, DentalWise covers TMJ and craniomandibular disorder treatment under oral surgery.
It also covers cleft lip and palate care for children when started before age 19. However, the Basic Plan is not offered in Minnesota.
π Where this applies: Minnesota
β What does DentalWise cover differently in Colorado?
In Colorado, DentalWise does not offer the Basic Plan.
Major services include orthodontics or dental care for cleft lip or cleft palate. Also, DentalWise can cover unmarried children with a disability at any age.
π Where this applies: Colorado
β Does DentalWise cover cleft palate orthodontics in South Carolina?
Yes, on South Carolina DentalWise plans that include major services.
Covered dependents get orthodontic treatment, appliance therapy and related X-ray films for cleft lip and cleft palate.
π Where this applies: South Carolina
β Are DentalWise and VisionWise rates guaranteed in North Carolina?
Yes, North Carolina rates are guaranteed for 12 months from the effective date.
After that, you get 45 days' notice of changes. In addition, new rates hold for at least 12 months.
π Where this applies: North Carolina
β How often can DentalWise or VisionWise rates change in Louisiana?
In Louisiana, rates cannot increase more than once every 6 months after the first 12 months.
You also get at least 45 days' notice.
π Where this applies: Louisiana
β Can I get DentalWise implant coverage in Maine?
Yes, Maine DentalWise Plan 2000 covers implants, but only for insured persons over age 18.
π Where this applies: Maine
β Does DentalWise cover wisdom teeth removal in Virginia?
Yes, DentalWise covers wisdom teeth removal in Virginia as allowed under the policy's oral surgery benefit.
The general wisdom tooth extraction exclusion does not apply in Virginia.
π Where this applies: Virginia
β Who can I cover as a dependent in Texas?
In Texas, eligible dependents also include grandchildren under 26 claimed as tax dependents.
Children under court-ordered support also qualify. In addition, Texas adds dependents 26 and over who have a disability and rely on you.
π Where this applies: Texas
β Can a relative be my dentist or eye doctor in Texas?
Yes, in Texas the exclusion for care from an immediate family or household member does not apply.
π Where this applies: Texas
β Can my adult child stay on VisionWise in Montana?
Unmarried children under 26 can qualify for Montana VisionWise, with conditions.
They cannot have other individual, group or government coverage or be entitled to Medicare. Also, eligibility for certain employer group coverage disqualifies them.
π Where this applies: Montana
β Can I cover my civil union partner on DentalWise or VisionWise?
Yes, in states that recognize civil unions.
Illinois and DC include civil union partners, and New Jersey does on VisionWise.
π Where this applies: Illinois, Washington, D.C. and New Jersey
β In DC, can I cover a grandchild, niece or nephew?
Yes, if they are minors you regularly provide food, clothing and shelter for during the school year.
Also, their legal guardian must not have coverage under another accident or sickness policy.
π Where this applies: Washington, D.C.
β In North Dakota, can I cover my dependent's child?
Yes, North Dakota expands eligible dependents to include dependents of covered dependents.
π Where this applies: North Dakota
β In Wisconsin, can I cover my grandchild?
Yes, while the grandchild's parent is your covered dependent child under age 18.
π Where this applies: Wisconsin
β What happens if I miss a payment in New Hampshire?
In New Hampshire, coverage cannot end for nonpayment until at least 30 days after written notice is mailed.
The notice must also give the reason.
π Where this applies: New Hampshire
β Do DentalWise or VisionWise include adult wellness benefits in Wyoming?
No, the policy does not contain comprehensive adult wellness benefits as defined by Wyoming law.
π Where this applies: Wyoming
β Which states offer DentalWise Max?
DentalWise Max is offered in 40 states plus D.C.
It is not available in Colorado, Illinois, Massachusetts, Minnesota, Montana, New Jersey, New Mexico, New York, Rhode Island or Washington. In addition, the hearing benefit is not available in Alaska, Arkansas, Georgia, Maryland, Maine or Ohio.
π Where this applies: Most states Vivna serves, except Colorado, Illinois, Minnesota, Montana, New Jersey, New Mexico and Rhode Island
β Which states offer DentalWise?
DentalWise is offered in every state except Massachusetts, Montana, New Mexico and New York.
New Jersey and Rhode Island offer a previous product version.
π Where this applies: Most states Vivna serves, except Montana and New Mexico
β Which states offer VisionWise?
VisionWise is offered in every state except Massachusetts, Minnesota, New Mexico and New York.
Rhode Island offers a previous product version.
π Where this applies: Most states Vivna serves, except Minnesota and New Mexico
π More Dental and Vision Guides
These answers cover the basics of each UnitedHealthcare dental and vision plan. When you want more depth, these guides from our licensed agents explain how dental and vision coverage works. Then, if a question comes up, call 888-730-6001 anytime.
π Dental and Vision Guides
𧩠More UnitedHealthcare FAQ Libraries
π Questions About UnitedHealthcare Dental or Vision?
These answers cover the most common dental and vision questions, but every family is different. Therefore, our licensed agents compare UnitedHealthcare dental and vision plans for free.
Best of all, our help costs you nothing. Request a free quote online, or call 888-730-6001 to speak with an agent today. You can also reach us through our contact page.
- π 888-730-6001
- βοΈ memberservices@vivna.net
- π Deerfield Beach, Florida
Official resources: the UnitedHealthOne website, HealthCare.gov, and the National Association of Insurance Commissioners.
Vivna Insurance is an appointed, authorized broker for UnitedHealthcare. We are an independent agency, not UnitedHealthcare. Plans and availability vary by state.