Understanding Unum Insurance Coverage

Unum Insurance offers PPO dental plans designed to help you manage the costs of maintaining your oral health. PPO (Preferred Provider Organization) plans give you the flexibility to choose your dentist, with added savings when you select in-network providers like Clove Dental. Here’s an overview of the typical coverage:

Preventive Care: 100% Coverage

Preventive care is essential to maintaining a healthy smile, and Unum Insurance often covers these services in full. This includes:

Regular dental cleanings
Fluoride treatments
Dental exams and X-rays
Sealants for children

Basic Care: 70%-80% Coverage

For common dental procedures aimed at treating minor issues, Unum Insurance typically covers 70%-80% of the costs. Examples include:

Dental fillings
Tooth extractions
Scaling and root planing (deep cleaning)

Major Care: 50% Coverage

Complex procedures and restorative treatments are partially covered, with Unum Insurance often covering around 50%. These include:

Crowns and bridges
Dentures
Root canals

Orthodontic Treatment: Partial Coverage

Some Unum Insurance PPO plans offer partial coverage for orthodontics, including traditional braces and clear aligners like Invisalign. Be sure to check your policy for specifics, as orthodontic coverage often comes with a lifetime maximum limit.

Call Our Office: Provide us with your insurance details, and we’ll handle the verification for you. This includes checking your plan’s coverage percentages, annual maximums, and deductible requirements.
Contact Unum Directly: You can also reach out to Unum Insurance’s customer service to ask about your benefits. Have your policy number and dental provider information handy.
Online Tools: Many Unum Insurance plans offer online portals where you can review your benefits, see what’s covered, and track claims.
Bring Your Insurance Card: During your visit, simply provide your insurance card to our front desk staff. We’ll verify your benefits and provide you with a cost estimate for your treatment.

Working with PPO Insurance Partners

Unum Insurance’s PPO network allows you to choose from a wide range of dental providers. As an in-network provider, Clove Dental ensures you get the maximum savings available under your plan. Here’s why choosing an in-network dentist matters:

Lower Out-of-Pocket Costs: In-network providers agree to set fee schedules, meaning lower costs for services compared to out-of-network care.
Simplified Billing: We handle claim submissions directly with Unum Insurance, so you don’t have to worry about paperwork.
Transparent Pricing: You’ll receive a detailed breakdown of what your insurance covers and what you’ll need to pay.

Transparency in Costs: What to Expect

At Clove Dental, we believe in providing clear, upfront information about your treatment costs. Before any procedure, we’ll provide a detailed estimate that includes:

Insurance Coverage: How much of the treatment cost your Unum Insurance plan will cover.
Out-of-Pocket Costs: Your responsibility after insurance is applied, including deductibles and co-pays.
Alternative Options: If a treatment isn’t fully covered, we’ll discuss alternative solutions that fit your budget without compromising quality.

We also offer flexible payment plans and financing options to ensure you can access the care you need, even if insurance doesn’t cover everything.

Frequently Asked Questions

What dental services are covered under Unum Insurance?

Unum Insurance PPO plans generally cover preventive care, basic procedures, major treatments, and sometimes orthodontics. The exact coverage depends on your specific plan, so we recommend verifying your benefits with us or directly with Unum Insurance.

Does Unum Insurance cover cosmetic procedures like teeth whitening or veneers?

Cosmetic treatments are usually not covered under dental insurance plans, including Unum Insurance. However, certain restorative procedures with cosmetic benefits, like crowns or composite fillings, may be partially covered.

What is an annual maximum, and how does it affect my coverage?

The annual maximum is the total amount your insurance plan will pay for dental treatments within a calendar year. Once you reach this limit, you’ll be responsible for 100% of the remaining costs. Common annual maximums range from $1,000 to $2,000.

Do I need a referral to see a specialist?

With a PPO plan, referrals are generally not required. You can visit specialists, such as an endodontist or periodontist, as needed. Be sure to verify if the specialist is in-network for additional savings.

Can I use my benefits for family members?

Yes, if your Unum Insurance plan includes family coverage, your spouse and dependents can also benefit from the plan. Each family member’s treatments will contribute toward the annual maximum.

What happens if I exceed my annual maximum?

If you reach your annual maximum, you’ll be responsible for the full cost of any additional treatments. We recommend scheduling high-priority procedures early in the year to maximize your benefits.

How can I make the most of my Unum Insurance benefits?

To maximize your benefits:

Schedule preventive care visits regularly, as they are fully covered.
Plan major treatments strategically, spreading them across multiple years if possible.
Stay informed about your plan’s coverage and annual limits.

Why Choose Clove Dental for Your Unum Insurance Needs?

At Clove Dental, we’re committed to providing exceptional care while making the most of your Unum Insurance benefits. Our friendly staff is here to guide you every step of the way—from verifying your coverage to explaining treatment options in clear, simple terms.

Experienced Team: Our knowledgeable staff is well-versed in working with Unum Insurance, ensuring you get the most out of your plan.
Patient-Centered Care: We focus on your comfort and understanding, avoiding complicated insurance jargon.
Comprehensive Services: From preventive care to restorative treatments, we offer a full range of dental services under one roof.

Save up to 60% by joining the Clove Care Plan

Concierge dentistry at affordable prices, paid monthly or annually for flexibility.

Learn More

Unum Insurance at Clove Dental

Your Guide to Coverage, Benefits, and Cost Transparency