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Unum Group is a leading provider of workplace benefits, offering dental insurance as part of a comprehensive employee benefits package that includes disability, life, and supplemental health products. Unum Dental provides access to a national network of dental providers and straightforward coverage for routine and emergency dental care.

If your employer offers Unum Dental, our directory helps you connect with participating dentists in your area who accept your plan and can help you navigate your benefits from your first appointment through treatment completion.

Unum Dental is frequently offered alongside Unum's disability and life insurance products as part of a comprehensive workplace benefits package. Employees who receive Unum Dental as a bundled benefit should review their Annual Enrollment confirmation to understand the specific plan selected by their employer — coverage percentages, annual maximums, and network assignments can change year to year. Unum's online member portal at unum.com/for-individuals provides access to your dental ID card, plan details, and a searchable provider finder to help you locate in-network dentists near you.

What Does Unum Dental Cover?

Unum Dental plans are structured to reward preventive care and provide meaningful support for restorative and major dental needs:

  • Preventive Care: Routine cleanings, exams, and X-rays are typically covered at 100% twice per year with no waiting period.
  • Basic Restorative: Fillings, simple extractions, and emergency treatment are generally covered at 80% after the annual deductible.
  • Major Procedures: Crowns, root canals, bridges, dentures, and periodontal surgery are typically covered at 50% after a major services waiting period.
  • Orthodontics: Some Unum plans include orthodontic coverage for children and adults with a lifetime maximum benefit.

Maximizing Your Unum Dental Benefits

Unum Dental members who use in-network providers enjoy the lowest possible costs and the most straightforward billing experience. Here is how it works:

  • Benefits Confirmation: Your dentist will verify your Unum coverage and provide a written cost estimate before beginning any treatment.
  • Benefit Year Planning: Coordinate with your dentist to schedule larger procedures before your annual benefit maximum resets.
  • Direct Billing to Unum: In-network dentists submit claims directly to Unum, so you only pay your copay or coinsurance at each visit.

Dentists Accepting Unum

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Frequently Asked Questions About Unum Dental Coverage

Common questions from patients about using Unum at the dentist.

More questions? Browse all insurance plans or find a dentist near you.