Your dental health has a big impact on your overall health. Taking good care of your mouth can help prevent a variety of diseases and conditions.1 That’s why it’s important to brush and floss regularly and to see a dentist twice a year.

Medical Mutual Dental Plans

Medical Mutual offers a variety of quality dental insurance options to help meet your dental health needs. With more than 2,300 dentists in the DenteMax network, you’ll get the care you deserve with a dentist you trust.

  • No need to select a primary dentist
  • You and your family members can select different dentists
  • No need for referrals for specialty care

Frequently Asked Questions about Medical Mutual’s Dental Insurance Plans

Does Medical Mutual offer options for my whole family?

Yes. We offer three dental plan options for adults and a Pediatric Dental Plan. Our adult plans range from providing basic services to providing comprehensive care. You can choose the plan that meets your needs and budget. Our Pediatric Dental Plan is available for children through age 18 and covers preventive care, basic services, major services and medically necessary orthodontia.

Does Medical Mutual have dental plans available for seniors?

Seniors can purchase a standalone dental plan, or they could consider Medicare coverage options.

Do I need to purchase a Medical Mutual medical plan in order to purchase a Medical Mutual dental plan?

No. You don’t need to purchase a Medical Mutual medical coverage to purchase a Medical Mutual dental insurance plan.

Do your plans have a waiting period?

Waiting periods are fairly typical for individual dental plans. Medical Mutual dental plans do not have a waiting period for preventive services (e.g., oral exams, cleanings, sealants). Basic services (like fillings or diagnostic x-rays) have a 6-month waiting period, and major services (crowns, bridgework, etc.) have a 12-month waiting period. More details on waiting periods and coverage for various services are available when you get a quote.

Do I have to choose an in-network dentist?

No, but it will cost you more to see an out-of-network dentist. Dentists in the DenteMax network have agreed to accept a lower negotiated rate for services, so you will pay less seeing a dentist in the network. Before selecting a plan, you can check to see if your preferred dentist is in the network or how many local dentists are available. You can search the Dentemax network to see if your dentist is included.

Something else to keep in mind is that dentists in the network will handle all your claims paperwork while dentists outside the network may not.

General Dental Insurance FAQs

How does dental insurance work?

It’s very similar to a medical insurance plan. Dental insurance pays some of the costs of your dental care. You pay a monthly premium plus out-of-pocket costs until you reach your specified deductible. After you meet your deductible, you are only responsible for coinsurance – a percentage of covered expenses. Some dental plans may require you to pay a copay, or fixed cost, for certain services instead of coinsurance. 

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 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.

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You can also call us at 1.855.444.0162 or call your licensed insurance agent.



1Source: Mayo Clinic. Oral health: A window to your overall health.