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Top10.com StaffByTop10.com StaffJul. 31, 2019

In a Nutshell

Through its underwriter, Golden Rule Insurance Company, United HealthCare offers both standalone and bundled dental plans that include zero-deductible coverage for preventive care. Its plans provide a nationwide network of dentists, with in-network dentists providing care at negotiated rates. The company offers a number of dental plans for people of all different ages, at different premium and deductible levels.

pros

  • Customizable plans at affordable prices
  • In- and out-of-network plans

cons

  • Golden Rule’s branding under UnitedHealthOne can be confusing
  • Plans are somewhat complicated for new applicants

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Best for

The company’s dental plans cover in-network providers, but also offer some premium plans that cover non-network providers as well. The plans are somewhat tailored by age, with designated plans for older consumers as well as for children. 

The plans offer nationwide access, and cover a wide range of consumers seeking both comprehensive and simple dental coverage.

Top Features

Golden Rule Insurance Company offers a variety of dental plans for people of different ages at different premium and deductible levels. The company’s pricing is competitive with others in the dental industry, with customers having the option to bundle in their dental coverage together with vision coverage as well. There is no limit on how many times you can use the plan in a calendar year, and signing up for the various plans is quick and easy.

Both individuals and families can buy their own coverage with Golden Rule, with a choice of over 70,000 providers nationwide. In most states, there are either 2 or 4 plans to choose from—each with a varying level of coverage. Plans are similar in benefits except that one of the plans—called the Value Plan—requires the insured to use in-network dentists, whereas their Premier Plan does not.  Insured customers can also benefit from monthly savings on their premium by selecting the Value Plan and using the UHC dental network.

Golden Rule is part of the larger UnitedHealth Group organization, a Fortune 500 company that provides access to medical services for over 27 million people.

Golden Rule offers its members the following benefits:

  • Preventive care coverage, with no deductible or waiting periods.
  • No maximum age limit, providing an advantage for those receiving Medicare.
  • Standalone coverage, or combined options with vision and health.
  • A wide range of dental care services, ranging from preventive care like routine cleanings to more major services such as root canals.
  • Payment of in-network dentists directly—with no need to submit a claim form.
  • Coverage for children from birth to age 26.

Who is Eligible? 

Golden Rule has a major advantage over many of its competitors, guaranteeing eligibility for its policies no matter your age or medical history. No one applying will be turned down for coverage due to these or many other reasons. The coverage is also offered as standalone, meaning no other kind of health insurance is required to purchase it. Prior dental conditions won’t make you ineligible either.

What it Covers

Golden Rule covers a variety of treatments for almost any dental-related need. These include:

  • Preventive treatments such as routine cleanings (no waiting period).
  • Basic services such as fillings (0-6 month waiting period)
  • Dentures
  • Major services such as root canals (0-12 month waiting period)
  • Bridges
  • Implants
  • Child-related services
  • Restoration services
  • Periodontic services
  • Oral surgery
  • X-rays

Why it’s Good for Families

Bi-annual and even annual dental cleanings and x-rays can become extremely expensive for families, and if you need some sort of basic dental service like a filling or extraction, or something even worse like a root canal or a crown, the bill can get to well over a thousand dollars unless you have a good dental plan in place. 

Regular cleanings, routine exams and X-rays, and fluoride treatments are the types of preventive services many dental plans will cover for kids. And that kind of treatment early and regularly can prevent larger and more expensive problems down the road. 

Overall, Golden Rule is an excellent choice for families, with affordable care plans for children and parents alike. Depending on the plan, you can enjoy deep discounts on things like topical fluoride treatment, braces (on some plans), and more.

Why it’s Good for Students and Seniors

As the Golden Rule website states, no individual applying for coverage through the individual marketplace will be discouraged from applying for benefits, denied coverage, or charged more premiums due to source of income, age, or any other reason. This alone makes it an attractive plan for both students and seniors. 

Students can feel at ease knowing that they will be covered under their parents’ plan until their 26th birthday. And for seniors, it’s important to know that Medicare doesn’t always cover some dental procedures such as fillings, tooth extractions, dentures, and other services. For those concerned about the dental issues that come with aging, a dental plan through Golden Rule can help keep seniors healthy when it comes to their dental habits, including encouraging regular checkups and helping with dental costs.

Seniors can enjoy coverage with Golden Rule for basic services like fillings or extractions without a waiting period, and there is also no maximum age limit, providing an advantage for seniors receiving Medicare.

Which Areas is it Available in?

Plans underwritten by Golden Rule Insurance Company vary by state; however, Golden Rule offers a major advantage over other networks in terms of coverage, with a choice of over 70,000 providers around the country. Other dental insurance providers are often limited to a handful of locations.

Policy Types and Prices

The following are Golden Rule’s plan details on varying forms of coverage.

Plan Details

Preventative Care

In Network – you only pay copay

Out-of-Network – as billed by provider

Basic Care

In Network – copay after deductible

Out-of-Network – as billed by provider

Basic Services Deductible (Yearly)
$50 per person on the plan
Annual Maximum
Up to $1,000 per person

The following are some sample comparison rates in-network, illustrating the significant discounts that Golden Rule can offer its members.

Sample Rates in Network


Retail Charge
With Dental Premier Elite
Premier Choice

Routine Cleaning

(Adult prophylaxis)

$95.47
$0

Filling (Amalgam 1 surface, 

primary or permanent)

$181.14
$19.95
Molar Root Canal
$1,255.36
$284.50

Note that plans vary and range in monthly premium, coverage/location, and additional benefits. It’s advised to contact a Golden Rule representative to find the most suitable option for your needs.

Application Process 

Golden Rule Dental Insurance—through United Healthcare’s website, UHOne.com—offers fast quotes for their dental plans and the opportunity to fully apply for a plan online. Prospective customers provide quick information that helps determine relevant plans, and the website then generates a list of coverage options displayed in comparative format with premium prices and deductibles. The website promotes a 30-second quote and application process, with no medical underwriting needed. Applicants should note that the dental insurance application process is separate from standard health insurance and other applications.

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Customer Service

The Golden Rule website is quite extensive. You can find answers to most questions about dental insurance and their various plans on the company’s website. Golden Rule offers customer service via their toll-free number: 1-800-273-8115. They also offer a Member Portals page, which provides links to web portals for many of the products available on UHOne.com. 

Once registered on the member portal, you can do the following:

  • Check your benefits
  • Review claims
  • View bill and payment history
  • Send secure messages (exclusive to MyUHOne.com portal)

There is also detailed contact information for submitting claims (either by mail or fax); making premium payments by mail; and making grace period/overnight payments by mail.

Additionally, there are links throughout the site for finding a doctor on the network.

Bottom Line

One of the primary benefits of having dental insurance is that it gives you incentive to make regular dental preventive care a habit, and reduce the chances of more serious problems down the road. Nearly all of Golden Rule’s dental plans include coverage for routine exams, cleanings, routine X-rays, and other types of preventive care to keep your teeth healthy. Plans vary in whether you pay a copay for these services or they’re covered completely without any out-of-pocket requirements on your part, but they will be covered.

The company offers both regular dental insurance and discount plans, with both having lower negotiated rates on dental care with the dentists in their networks. Golden Rule’s enrollment procedures are also easy to follow and customer-friendly. Its pricing is competitive within the dental insurance industry as well, with customers being able to save additional money by bundling dental coverage together with vision. 

Top10.com StaffByTop10.com StaffJun. 18, 2019
Our editorial staff is comprised of writers who are knowledgeable about consumer financial services. We specialize in simplifying the process of choosing a dental plan provider.
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