About Mutual of Omaha Dental Insurance

In this article...
  • Learn about the different types of Mutual of Omaha dental insurance. Discover how each plan can help you cover costs or access reduced prices for dental care.
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Mutual of Omaha dental insurance helps you pay for major and minor dental work, reducing your out-of-pocket expenses. The company offers two standard insurance plans and a dental savings plan. If you don't have a Medicare Advantage plan with coverage for dental services, Mutual of Omaha's plans can make it easier to access care and manage costs.

You can combine your Mutual of Omaha dental insurance, your Original Medicare (Part A and Part B) benefits and a Mutual of Omaha Medicare Supplement (Medigap) plan. A Medicare Supplement plan can help cover your Medicare copays, coinsurance, deductibles and more.

What Dental Insurance Plans Does Mutual of Omaha Offer?

In most areas, Mutual of Omaha offers two different dental insurance plans. Plan availability, pricing, coverage limits and benefits may vary based on your location.

Mutual Dental Protection

Mutual Dental Protection is Mutual of Omaha's lower-cost dental insurance plan. It's designed for people who generally need only standard preventative care. After you pay the $100 deductible, the plan covers:

  • 100% of preventative services, including teeth cleanings and exams
  • 50% of basic services, including fillings and non-surgical tooth extractions
  • 50% of major services, including oral surgery, tooth implants and crowns

This plan usually limits your benefits to $1,000 per year. If you're planning to get a tooth implant, the plan has a lifetime maximum benefit of $2,000.

Mutual Dental Preferred

Mutual Dental Preferred has higher premiums, but it offers more coverage. Typically, you won't have a deductible for preventative care; major services usually have a $50 annual deductible. Plan coverage includes:

  • 100% of preventative services
  • 80% of basic services
  • 50% of major services

The Mutual Dental Preferred plan caps benefits at $1,500 per year. For implants, you get a maximum lifetime benefit of $3,000.

What Is the Waiting Period for Mutual of Omaha Dental Insurance?

Mutual of Omaha's two traditional dental insurance plans usually have a 12-month waiting period for major services. That means that you'll need to have the plan for a full year before you can access coverage for things like crowns and root canals. If you need those services before the waiting period ends, however, you'll still get in-network pricing.

Other services may also have a waiting period; check the terms of the plan for details.

What Is the Mutual of Omaha Dental Savings Plan?

The dental savings plan is another type of dental insurance from Mutual of Omaha. Unlike a traditional plan, this policy doesn't come with deductibles and coverage limits. Instead, it gives you access to discounted prices on common dental services and certain cosmetic procedures.

For example, an adult dental cleaning might cost $140 without insurance; with the savings plan, it could cost around $63. A porcelain crown might cost $1,557 without insurance, but the savings plan allows you to get it for approximately $802. Keep in mind that the actual prices can vary and are subject to change. The savings usually range from 5% to 60%.

Why Would You Choose the Dental Savings Plan Instead of Dental Insurance?

Mutual of Omaha's dental savings plan gives you access to in-network pricing, but it's much cheaper than dental insurance. It might be a good option if you rarely need dental work aside from standard cleanings.

You might also choose this plan if you need major dental work right away — it doesn't have a waiting period, and there are no limits on how often you can use the benefits.

The dental savings plan is open to everyone, regardless of age, and Mutual of Omaha accepts everyone.

How Does the Dental Savings Plan Work?

When you join the dental savings plan, you'll get a membership card. Simply go to a dentist in the Mutual of Omaha network, and present the card to get the discounted price. You may be required to pay out of pocket for services rendered.

How Much Does Mutual of Omaha Dental Insurance Cost?

Costs for Mutual of Omaha dental insurance plans can vary considerably based on where you live. For example, in 2022, the Mutual Dental Protection plan costs $31.82 per month if you live in Beverly Hills, California. If you live in Omaha, Nebraska, the same plan will cost you $24.24 per month.

The Mutual Dental Preferred is Mutual of Omaha's premium insurance plan, so it's the most expensive option. For Omaha residents, this plan costs $47.10 per month. For Beverly Hills residents, it costs $61.82 per month.

You can check the plan costs for your ZIP code on the Mutual of Omaha website.

How Much Does the Mutual of Omaha Dental Savings Plan Cost?

The Mutual of Omaha dental savings plan offers four different payment options. You'll get the best deal if you pay annually. Prices and availability may change based on where you live. As of 2022, the prices are:

Plan Type Monthly Quarterly Semi-Annually Annually

Member Only

$8.95

$26.85

$53.70

$99.00

Member + One

$13.95

$41.85

$73.70

$139.00

Member + Family

$15.95

$47.85

$95.70

$169.00

What Dentists Accept Mutual of Omaha Dental Insurance?

Mutual of Omaha works with the DenteMax Plus dental network. With a Mutual Dental Protection or Mutual Dental Preferred plan, you can usually go to any dentist in the DenteMax, Concordia Dental or United Concordia. 

The Mutual of Omaha dental savings plan may have different dentists and specialists. Make sure to check the provider availability in your area before signing up for a plan. 

What Additional Benefits Can You Get With Mutual of Omaha Dental Insurance?

In addition to the dental benefits, some insurance plans offer other perks. The company's traditional dental policies usually allow you to add on vision insurance at a discounted rate.

Members of the dental savings plan also get discounts on certain vision and hearing services. Typically, you can expect to save between 20% and 40% on eyewear, as long as you go through a provider in the Access network. You can also save 40% on hearing diagnostic exams at in-network facilities. If you need hearing aids, Mutual of Omaha guarantees that they will beat the lowest available price from another network by 5%.

If you have Medicare and want help covering your out-of-pocket Medicare costs, you may want to consider a Mutual of Omaha Medicare Supplement plan. You can combine your Medicare Part A and Part B benefits with a Medicare Supplement plan and a dental insurance plan. Learn more by comparing plans online or by calling to speak with a licensed insurance agent.

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