Dental Insurance and Dental Savings Plan

Mutual of Omaha dental insurance provides direct coverage of dental costs, up to the annual maximum benefit with no waiting period for services. Our dental savings plan provides discounts for most dental services including cosmetic services and has no limits on use and no waiting. Each dental product has advantages but determining the best options for you will depend on your needs. Compare our products for more details.

Dental coverage is typically split into three categories: preventive services, basic services and major services. Mutual of Omaha's dental insurance policies cover 100% of all preventive services, and offer different levels of coinsurance for basic and major services. Compare our products or view the list of services covered by our dental insurance.

There's no waiting period for major, basic or preventive services with Mutual of Omaha dental insurance. This includes immediate coverage for cleanings, X-rays, fillings, extractions, root canals, crowns, dentures, emergency treatment and more.

No. There is no waiting, no age restriction and no limits on use for our dental savings plan.

With a dental insurance policy, you always have the option to see the dentist of your choice. Dentists in our network offer dental services at negotiated rates. That means your out-of-pocket costs will be lower with an in-network dentist. Dentists outside our network do not provide services at negotiated rates. That means your out-of-pocket costs may be greater. Find an in-network dentist for dental insurance.

With the dental savings plan, you may go to the dental provider of your choice. However, you only receive a discount by going to a dentist in the network of preferred providers. Find a participating dentist for the dental savings plan.