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Dental, vision & hearing plans · underwritten by Golden Rule Insurance Company

Compare Your Dental & Vision Options

Three plans, side by side. DentalWise covers dental. DentalWise Max covers dental plus vision and hearing in one plan. VisionWise covers eye exams, glasses, and contacts on its own. Amounts are per covered person, per policy year, unless noted. Benefits can vary by state.

Based on the current UHC brochures: DentalWise & DentalWise Max (2024), VisionWise (2025) · Updated September 2026

No waiting period for most services Ages 18–99 See any dentist or eye doctor

Please read: These are dental, vision, and hearing insurance plans. Each has yearly limits, and the policy lists all covered services, frequency limits, and exclusions.

See states where these plans are available

DentalWise 41 states + DC

Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, Wyoming. (The Basic plan isn't sold in Colorado or Minnesota.)

DentalWise Max 32 states + DC

Alabama, Arizona, Connecticut, Delaware, District of Columbia, Florida, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, North Carolina, North Dakota, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, Wyoming

VisionWise 42 states + DC

Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, Wyoming

Don't see your state? Reach out. I can help you find other options.

DentalWise

Dental

Open the brochure (PDF)Find a network dentist

A good fit if you want dental coverage on its own, from basic cleanings and fillings up to crowns and implants.

Cleanings, exams, and X-rays paid at 100%, with no deductible
No waiting period for most services, so you can use it right away
Fillings pay 60% the first year and 80% after that
Plans 1000 and 2000 add crowns, root canals, and dentures; Plan 2000 adds implants

BasicLowest cost. Preventive and basic care only, up to $1,000 a year.

1000Adds major services like crowns and root canals. Up to $1,000 a year.

2000Up to $2,000 a year, plus implants after 12 months.

Good to know: major services pay only 15% in your first year, then 50%. There's a $100 deductible per person each year, except for preventive care.

DentalWise Max

Dental + vision + hearing

Open the brochure (PDF)Find a dentist Find an eye doctor Hearing care

A good fit if you want dental, vision, and hearing all in one plan, especially if you need glasses or hearing aids.

The same dental benefits as DentalWise, with a higher top level: up to $3,000 a year
Yearly eye exam, plus glasses or contacts, included at every level
Yearly hearing exam, plus $750 toward hearing aids every 2 years, including over-the-counter aids
Crowns, root canals, and dentures at every level; implants on 2000 and 3000

1000Up to $1,000 a year in dental, plus vision and hearing.

2000Up to $2,000 a year, plus implants after 12 months.

3000The most coverage: up to $3,000 a year, plus implants.

Good to know: hearing benefits only work with UnitedHealthcare Hearing providers. Major dental services pay 15% in year 1, then 50%.

VisionWise

Vision

Open the brochure (PDF)Find a network eye doctor

A good fit if you only need eye care: a yearly exam, and glasses or contacts.

$0 eye exam at a network eye doctor, once a year
Standard lenses for a $10 copay, plus $150 toward frames
Or $150 toward contact lenses instead
No waiting period, and no ID card or claim forms needed in network

One planThe same vision benefits included in DentalWise Max, on their own.

Good to know: doesn't cover LASIK, eye disease, or lens upgrades. Out of network, you pay first and get paid back up to smaller amounts.

Which plan fits you?

You mainly need cleanings and fillingsDentalWise Basic

You might need a crown, root canal, or denturesDentalWise 1000 or 2000

You're thinking about an implantDentalWise 2000, or Max 2000/3000

You want dental, vision, and hearing in one planDentalWise Max

You only need glasses or contactsVisionWise

You need hearing aids, including over-the-counterDentalWise Max

You expect a lot of dental workDentalWise Max 3000

You're 65 or olderAny of them. Ages 18–99.

You live in New JerseyVisionWise

You live in Colorado or MinnesotaDentalWise 1000 or 2000

How the plans pay

What a visit looks like

Illustrations built from each plan's benefit schedule, using example costs at network providers. Actual costs vary by dentist, eye doctor, and area.

Any DentalWise or Max plan

Checkup and cleaning

An exam, a cleaning, and X-rays at a network dentist.

Plan pays100%
DeductibleDoesn't apply

You pay$0

Covers 2 exams and cleanings a year.

DentalWise 1000 · year 2 · example cost $180

A filling

Your first filling of the year, after your $100 deductible.

Your deductible$100
Plan pays 80% of the remaining $80$64
Your 20%$16

You pay$116

DentalWise Max 2000 · year 2 · example cost $1,000

A crown

A crown is a major service, which pays 50% after your first year.

Your deductible$100
Plan pays 50% of the remaining $900$450
Your 50%$450

You pay$550

In year 1, major services pay 15%, so plan ahead for big work.

VisionWise or DentalWise Max · example frames $180

New glasses

An eye exam, single-vision lenses, and frames at a network eye doctor.

Eye exam$0
Lens copay$10
Frames over the $150 allowance$30

You pay$40

All benefits

Every benefit, every plan

Not covered No benefit in the brochure Dental percentages are what the plan pays after the deductible. "Year 1" is your first policy year.

Rotate your phone for a better view of this table.

Benefit

DentalWise

DentalWise Max

VisionWise

Plan

Basic

Plan 1000

Plan 2000

Max 1000

Max 2000

Max 3000

VisionWise

Common questions

Questions people ask

Straight answers about how these plans work. Tap a question to open it.

How does the dental coverage work?

Preventive care, like exams, cleanings, and X-rays, is paid at 100% with no deductible. For everything else, you pay a $100 deductible each year, then the plan pays a percentage of the cost. Each plan has a yearly maximum it will pay per person: $1,000, $2,000, or $3,000, depending on the plan.

Is there a waiting period?

Not for most services. You can use preventive, basic, and most major dental services right away, and vision and hearing benefits have no waiting period either. The one exception is implants, which have a 12-month wait (6 months in Vermont).

Why do major services pay only 15% the first year?

The coverage for crowns, root canals, dentures, bridges, and extractions steps up over time: 15% in your first policy year, then 50% from year 2 on. Fillings step up too, from 60% to 80%. If you know you'll need major work, it's worth planning the timing with me.

Can I keep my dentist and eye doctor?

Yes, you can see any provider. You'll pay less at a network provider: the National Options PPO 30 network for dental, and the UnitedHealthcare Vision Network for eye care. Out-of-network providers can bill you for the difference between what the plan pays and their full charge.

How do the vision benefits work?

Once each policy year, you get an eye exam ($0 in network) and either glasses or contacts. Standard lenses cost a $10 copay in network, and the plan pays up to $150 toward frames or up to $150 toward contacts. DentalWise Max includes the same vision benefits, but contacts have a $10 copay.

What's an "allowance"?

It's the most the plan will pay for an item, once per policy year. For example, if network frames cost $100, the plan pays the full $100 because it's under the $150 allowance. Out of network, the frame allowance is $75, so you'd pay the remaining $25.

How do the hearing benefits work?

With DentalWise Max, you get a yearly hearing exam paid at 100%, and up to $750 toward hearing aids every 2 years, including over-the-counter aids bought online. Hearing benefits only work through UnitedHealthcare Hearing providers. You can start at uhchearing.com or by calling 1-844-571-4958.

What isn't covered?

Cosmetic dental work, surgical removal of wisdom teeth, jaw (TMJ) treatment, mouthguards, and night guards aren't covered, and braces aren't listed as a covered benefit. For vision, LASIK, treatment of eye disease, non-prescription eyewear, and optional lens extras aren't covered.

Can I replace teeth I lost before the plan started?

Generally no. Dentures or bridges to replace teeth that were already missing before your coverage started aren't covered. Replacing crowns, bridges, or dentures you already had is covered only after you've been on the plan for 12 months. Frequency limits also apply, like one crown per tooth every 5 years.

How do I use it and file claims?

At network dentists and eye doctors, there are no claim forms. The office files for you, and for vision you don't even need an ID card. Out of network, you pay up front and submit for reimbursement. Your dental ID card and dental claims are at myuhc.com, and billing is in the UHC Member Hub. Here's my step-by-step Member Hub guide.

What if I change my mind?

You have 10 days after the policy is issued (30 days in some states) to return it for a full refund of the premium you paid.

Questions? Let's talk

Not sure which plan fits? I'll walk you through it.

I'm Hamon R. Burkhardt, a licensed Health & Life insurance broker. I'll help you pick a plan based on the care you and your family expect to need, and check that your dentist and eye doctor are in network. No pressure, no fine print.

Call or text561-699-9453

Emailhello@helpmehamon.com

Websitehelpmehamon.com

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How dental benefits are figured

If two treatments would both fix the same problem, the plan pays based on the less expensive one that gives a professionally acceptable result. Out of network, what the plan pays is based on your ZIP Code. Plans with "Plus" in the name use reasonable and customary charges out of network.

What these plans don't cover

Cosmetic dental work, whitening, and mouthguards
Surgical removal of wisdom teeth; jaw (TMJ) treatment
Major services and implants on DentalWise Basic; implants on DentalWise 1000 and Max 1000
LASIK and other vision correction surgery; medical treatment of the eyes
Hearing care outside the UnitedHealthcare Hearing network

This is a summary. The policy lists all exclusions and limitations.

State differences

Colorado & Minnesota: the DentalWise Basic plan isn't available.
Vermont: the implant waiting period is 6 months.
Maine: implant benefits are for covered people over age 18.
30-day free look in Connecticut, Georgia, Indiana, Iowa, Louisiana, New Hampshire, South Carolina, Utah, and Vermont.

Other state variations may apply.

About this guide

This guide summarizes plan brochures from Golden Rule Insurance Company, a UnitedHealthcare company, which underwrites these plans. Dental benefits are administered by Dental Benefit Providers, Inc., vision benefits by Spectera, Inc., and hearing benefits by UnitedHealthcare Hearing. It was prepared by Hamon R. Burkhardt, licensed Health & Life insurance broker (NPN 16713594), and is not an official Golden Rule or UnitedHealthcare document. It is not a contract. The policy's terms decide what is covered. Plan availability varies by state and eligibility. © 2026 helpmehamon!