Mother and daughter smiling

Dental insurance

Lincoln makes it simple to create dental plans that are the right fit, supporting oral health and overall wellness. Choose from several valuable plan options offering flexible terms, a large provider network and outstanding service.    

dental app video
See dental benefits on the go

Employees can access their Lincoln dental benefits with our new mobile app!1

Learn more.

Available today for download in the App Store or Google Play.

Full benefits

  • Services include preventive, diagnostic, periodontics, endodontics and major restorations.
  • Preferred Provider Organization (PPO) plans including an economical In-network Only (INO)2 plan and Maximum Allowable Charge (MAC) plan.
  • Additional dental products include DHMO and indemnity plans.
  • Fully insured and self-funded plans.

Flexible options

  • Our PPO plan has the #1 dental network by access points with more than 546,000 access points and over 115,000 unique providers nationwide.* Flexible plans allow employers to choose services that will be covered and in what category of care.
  • Cost-sharing options, such as coinsurance percentages, maximums and deductibles, including a lifetime deductible, can help keep employees’ premiums and employers’ costs down.
  • Optional benefits include orthodontics and features that promote maintaining oral health. With our SmileRewardsSM feature, the cost of preventive services are not deducted from the annual maximum. With our MaxRewards® feature, members can roll over a portion of their unused premium.
  • Several wellness options include additional routine cleanings and adult fluoride.

Added value4

  • Discount vision services deliver savings on a variety of products and procedures.
  • Our hearing program offers access to hearing care and hearing aids at discounted rates.

Part of an overall wellness solution

More than 90% of all systemic diseases have oral signs and symptoms. Regular dental care can play a vital role to maintain overall health, which is why Lincoln offers oral cancer detection screening and additional routine cleanings. 

Real-time, online group administration

Employers benefit from online access to enrollments, claims and certificates, bill payment and claims management—saving them time and money.  Employees can calculate costs, find a dentist and check claims status in English or Spanish.

selfie girls
Explore your dental options
  • Find out more about the dental products we offer.
  • Learn more (PDF)
Better smiles; better health
  • Help your employees take care of their oral and overall health.
  • Learn more. (PDF)
dentist girl

In CA, FL, and TX, Lincoln customers can choose either a PPO or DHMO dental plan. What’s the difference between the two?
Find out more. (PDF)


1The Lincoln dental mobile app is not available with DHMO plans.

2In-network Only (INO) plans are not available in all states.

3Counts reflect the number of unique providers and access points based on Ignition Group’s November 2018 NetMinder Report. Data Source: NetMinder. Data as of: November 2018. The Ignition Group makes no warranty regarding the performance of the data and the results that will be obtained by using the data.

4Value added services are optional for the self-funded product.

The Lincoln DentalConnect® and Lincoln DentalConnect® Core PPO networks are comprised of several leased provider networks. The Lincoln VisionConnect® discount vision program, provided by Optum HealthAllies®, is administered by HealthAllies, Inc., a discount medical plan organization. The discount program is not a qualified health plan under the Affordable Care Act. The Lincoln VisionConnect® discount vision program is NOT insurance. The discount program provides discounts at certain health care providers for medical services. Optum HealthAllies does not make payments directly to the providers of medical services. The program member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization. HealthAllies, Inc. is located at MN103-0550, P.O. Box Box 1459, Minneapolis, MN 55414. Contact information: 800-377-0263, or

The Lincoln VisionConnect® discount vision program is marketed by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, this program is marketed by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group® companies. Lincoln VisionConnect® is a registered trademark of Lincoln National Corporation.

Hearing services are provided by EPIC Hearing Health Care. Lincoln DentalConnect® health center Web content is provided by, Santa Clara, CA. EPIC Hearing Health Care and are not Lincoln Financial Group® companies. Coverage is subject to actual contract language. Each independent company is solely responsible for its own obligations.

Self-funded plans are funded entirely by the employer. Lincoln Financial Group provides administrative and/or claims payment services only.

Insurance products (policy series GL11, GL11LG) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products (policy series GL11) are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group® companies. Product availability and/or features may vary by state. Limitations and exclusions apply. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.