Your dental health can have a big impact on your overall health. Making oral hygiene part of your daily routine can help prevent a variety of diseases and conditions, such as heart disease.* This care includes brushing, flossing and visiting your dentist when you are due for preventive cleanings.
Dental insurance helps cover the cost of preventive care and unexpected expenses so you can keep smiling. Medical Mutual has been administering dental plans for more than 35 years. We offer a variety of plan options to meet your dental needs with the quality of care you deserve.
Why Choose MedMutual Dental?
Our SuperDental network is one of the largest networks in Ohio, featuring more than 4,000 dentists, periodontists, orthodontists, oral surgeons and other specialists. With our PPO plans you can receive care from any dental provider you like, but by choosing a SuperDental network provider you can maximize your benefits and pay lower rates for services. Other advantages of MedMutual Dental plans include:
- No waiting period for preventive services (e.g., oral exams, cleanings, sealants)
- No referrals needed for specialty care
- No need to select a primary dentist, and you and your family can have different dentists
MedMutual Dental 2020 Plan Options
We offer three dental plan options for adults. This allows you to choose a plan that meets your specific needs and budget. These plans cover a range of preventive, basic and major services. Common examples of each service type are listed below:
- Preventive services - annual exams, teeth cleanings, bite-wing X-rays and sealants.
- Basic services - diagnostic X-rays, minor restorative services, simple extractions, impactions and specialist consultations.
- Major services - inlays, endodontics, periodontal services, bridgework, and partial and complete dentures.
We also offer a pediatric dental plan for children through age 18 that covers preventive, basic and major services, in addition to medically necessary orthodontia.
||Benefit Period Maximum
|MedMutual Dental Plan 1
(Ages 19 and up)
|MedMutual Dental Plan 2
(Ages 19 and up)
|MedMutual Dental Plan 3
(Ages 19 and up)
Fillings only, 20%3
|MedMutual Pediatric Dental Plan
(Under age 19)
|50% after $100 deductible4
1Network and non-network combined.
2Member responsibility is the coinsurance percentage of your medical bill you’re responsible for after you’ve paid your deductible. These amounts vary for each plan based on whether the service is classified as preventive, basic or major.
3Basic services have a six-month waiting period if no prior coverage. Major services have a 12-month waiting period for dental plans 1 and 2 if no prior coverage.
4Separate deductible from the benefit period deductible.
Please note: you do not need to have Medical Mutual health insurance to purchase a MedMutual Dental plan.
Dental Insurance FAQs
How does dental insurance work?
Dental insurance helps cover the cost of dental care you and your family need, such as annual cleanings or services for your teeth and gums. When you enroll in a dental plan, you pay a monthly premium and any out-of-pocket costs for dental services. Once your deductible is met, you are only responsible for coinsurance – a percentage of covered expenses for services rendered. These services are commonly categorized by dental plans as preventive, basic or major care. In addition, some plans may require you to pay a copay, or a fixed cost, for certain services instead of coinsurance. It’s important to take the time to review all your options to ensure the plan you choose provides the coverage you and your family need.
What services do dental plans cover?
It depends on the plan you choose. Typically, dental plans cover exams, cleanings and X-rays. Many plans cover other basic services like preventive care, fillings and extractions and major services like crowns and root canals. A copay may be required for certain services.
Are dental plans covered under the Affordable Care Act?
No. You are not required to buy dental coverage, so you won’t have to pay a tax penalty if you don’t purchase a plan. If you have children, the Affordable Care Act does mandate that pediatric dental insurance be made available to you.
Is there a limit to what dental plans will pay every year?
Most insurance plans have an annual maximum benefit. At Medical Mutual, most of or our adult plans have a maximum benefit of $1,000 per year.
Ready to Learn More?
For more information, please call us at 1-855-444-0162 or reach out to your licensed insurance agent.
*Source: Cleveland Clinic. Oral health: Oral Health & Risk for CV Disease.
MedMutual Dental Plans 1, 2 and 3 include coverage for pediatric services.
Medical Mutual offers the Pediatric Dental Plan as a stand-alone option.
This information only provides a partial listing of benefits. This is not a contract for insurance. No person other than an officer of Medical Mutual may agree, orally or in writing, to change the benefits listed here. The contract or certificate will contain the complete listing of covered services.