Dental & Vision

United Dental and Vision Plan

 
No Deductible
Simplified Issue & Guaranteed Renewable for Life.
Use Any Dentist – No Networks.
Any Ophthalmologist or Optometrist.
Pays in Addition to Other Coverage.
Issue Ages 18-84 with Optional Child Rider.
BENEFITS *
Benefit Comparison3 UNITED SILVER
(PLAN 1)
UNITED GOLD
(PLAN 2)
Policy Year Maximum Benefit $1,000 $1,000 or $2,000
(choose one)
Policy Year Deductible
$0 $0
Dental Coverage
Preventive Services4
Examination, cleaning and
routine X-Ray2

3 month waiting period
After 90 Days – Up To $125
After 12 Months
(and thereafter)

1st Visit Up To $125,
2nd Visit Up To $75

(per policy year)
After 90 Days – Up To $125
After 12 Months
(and thereafter)

1st Visit Up To $125,
2nd Visit Up To $75

(per policy year)
Basic Services
Including X-Ray, fillings and extractions2 No waiting period
Immediately – 70%
After 12 Months – 80%
After 24 Months – 80%
After 36 Months – 90%
(and thereafter)
Immediately – 60%
After 12 Months – 70%
After 24 Months – 80%
After 36 Months – 90%
(and thereafter)
Major Services
Including bridges, crowns, full dentures or partials, full mouth extractions, and root canals2 12 month waiting period
Not Covered After 12 Months – 70%
After 24 Months – 80%
After 36 Months – 90%
(and thereafter)
Vision Coverage
Basic eye examination or eye refraction, including the cost of eye glasses or contact lenses2 $150
(per 24 month period)
$150
(per 24 month period)
Waiting Period Exam, first time corrective lenses
No Waiting Period Repair or replacement of existing eye glasses or contact lenses
6 months
Exam, first time corrective lenses
No Waiting Period Repair or replacement of existing eye glasses or contact lenses
6 months
Benefits vary by state1 Benefits are not subject to assignment.
2 Services performed or prescribed by a licensed Medical Professional not a member of your immediate family.
3 Refer to your policy for a complete description of limitations and exclusions.
4 This benefit is included in the Policy Year Maximum Benefit. Only the $125 benefit is available in the first policy year. *Ohio – Basic Services including X-Ray, fillings and extractions2 No waiting period. United Silver (Policy 1) Year 1 – 70%, Year 2 (and thereafter) – 85%; United Gold (policy 2) Year 1 – 65%, Year 2 (and thereafter) 75%. Major Services including bridges, crowns, full dentures or partials, full mouth extractions, and root canals2 12 month waiting period. United Silver (Policy 1) Not Covered; United Gold (Policy 2) Year 1 – 0%, Year 2 (and thereafter) 75%.
OTHER IMPORTANT BENEFITS
30-Day Right To Examine and Return Policy:If, for any reason you are not satisfied, the policy may be returned to us or to the agent within 30 days after receiving it. If returned, the policy will be void from its beginning and any premium paid will be refunded.
Guaranteed Renewable for Life:UCT doesn’t charge a policy fee and, although some limitations do apply, your acceptance for this insurance is guaranteed. This Policy is renewable as long as you live, provided you continue to pay premiums when due.
Household Discount:If two or more people, living in the same household at the same address, apply for coverage at the same time, then each may receive a 10% discount.
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