Does Lincoln Financial Dental cover orthodontics for adults?

Some Lincoln Financial employer plans include adult orthodontic benefits. Coverage and lifetime maximums vary by plan. Contact Lincoln Financial at 1-800-423-2765 to confirm your specific orthodontic benefit.

What is the annual maximum for Lincoln Financial Dental?

Lincoln Financial dental plans typically provide annual maximums between $1,000 and $2,000, set by your employer. Review your Summary Plan Description for your specific annual limit.

Does Lincoln Financial Dental have a waiting period?

Preventive care has no waiting period. Basic services typically have a 3–6 month wait, and major services usually require 6–12 months. Prior dental coverage may satisfy waiting periods.

What is the Lincoln Dental Connect network?

Lincoln Dental Connect is Lincoln Financial's preferred provider network. Dentists in this network have agreed to negotiated fee schedules, resulting in lower costs for plan members.

How do I find a Lincoln Financial in-network dentist?

Browse our directory above to find Lincoln Financial-accepting dentists near you. You can also call 1-800-423-2765 or visit lincolnfinancial.com for provider search tools.

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Dentists Accepting Lincoln Financial

31 in-network dentists found

Find a Lincoln Financial Dentist Near You

Make the Most of Your Lincoln Financial at Top5Dentists

Lincoln Financial Group offers dental insurance to employers and their employees through the Lincoln Dental Connect network. Lincoln Financial is a trusted financial services company that provides group dental benefits as part of a broader employee benefits package, including disability and life insurance.

Our directory helps Lincoln Financial dental members find participating dentists nearby who accept their plan and can help them understand their coverage before any treatment begins.

Lincoln Financial dental benefits are typically bundled with other Lincoln employee benefits such as life and disability insurance. Employees can manage their dental benefits through Lincoln's online portal at lincolnfinancial.com, where they can access their dental ID card, view plan details, and use the in-network provider finder. When visiting a Lincoln Dental Connect dentist for the first time, have your insurance card ready and ask the front desk to verify your benefits so you have a clear picture of your cost-share before any treatment begins.

Find Lincoln Financial Dentists by Specialty

General Dentists Orthodontists Pediatric Dentists Dental Implant Specialists Emergency Dentists Cosmetic Dentists

What Does Lincoln Financial Dental Cover?

Lincoln Financial dental plans offer comprehensive tiered benefits designed to encourage regular preventive care while providing coverage for necessary restorative treatment:

Preventive Care: Cleanings, exams, and X-rays are typically covered at 100% twice per year with no waiting period.
Basic Restorative: Fillings, simple extractions, and emergency palliative treatment are generally covered at 80% after your deductible.
Major Procedures: Crowns, bridges, root canals, and dentures are typically covered at 50% after a waiting period depending on the plan.
Orthodontics: Select Lincoln Financial plans include orthodontic coverage for children and adults with a lifetime benefit maximum.

Getting the Most from Lincoln Financial Dental

Using a Lincoln Financial in-network dentist means simplified billing, predictable costs, and no surprise charges. Here is what the experience looks like:

Benefits Verification: Your dentist's team will verify your Lincoln Financial coverage and explain your cost-share before treatment.
Benefit Year Planning: Schedule procedures strategically to maximize your annual benefit before it resets.
Seamless Claims: In-network dentists file all claims directly with Lincoln Financial — no forms for you to complete.