Dental insurance

Good oral care isn’t just a matter of cavities and braces. It’s also an opportunity to spot oral signs and symptoms that can indicate medical problems elsewhere. Lincoln DentalConnect® features a variety of plans that can help you save money on dental expenses.

Coverage you need; support you deserve

Preferred Provider Organization (PPO) plans help you maintain your dental health by offering a full selection of services, a growing national provider network with good discounts and accessible service.

  • Benefits cover exams, fluoride treatments, x-rays, extractions, periodontics, endodontics, oral surgery and orthodontics
  • Lower out-of-pocket expenses for visiting a network provider, with benefits for out-of-network providers
  • Easy online access lets you find a provider near your home or work, calculate costs, check your claims status and get personalized answers from a licensed dentist
  • Discount vision services help you save on products and procedures
  • A hearing program offers access to hearing care and hearing aids at discounted rates

Find a Dentist, blue tooth
It’s easy to find a dentist
  • With our PPO plan, you have access to more than 352,000 provider locations and more than 97,000 unique providers nationwide1. Find a Dentist now.

How a PPO plan works

Michelle needs a crown. She can choose between a dentist who is in the network and one who’s not.

  In-network Out-of-network

Dentist's normal charge


$1,300 $1,300

PPO negotiated fee


$1,000 N/A

U&C amount*


N/A $1,200



$1,000 $1,200



-$50 -$100



$950 $1,100



x 50% x 50%

Benefit paid to dentist


$475 $550

Calculating Michelle's expenses


Patient liability above U&C amount*


N/A $100



+$50 +$100

Coinsurance (Michelle's portion)


+$475 +$550

Michelle pays out of her pocket

$525 $750
    Total savings using a participating provider = $225

*The usual and customary (U&C) fee is the amount typically charged for a service by dentists in your area and is the maximum amount the plan will pay for services from an out-of-network provider. For illustrative purposes in this example, the U&C fee for this service is $1,200.

Did you know?

Your dentist may be able to spot other medical conditions by examining your teeth and gums? More than 90% of all systemic diseases have oral signs and symptoms, such as swollen gums, mouth ulcers and dry mouth. Read how better smiles can lead to better health. (PDF)

  • The same kind of inflammation associated with gum disease and tooth loss could also be occurring in the arteries — and may indicate a higher risk of heart attack or stroke.2
  • Bad breath and bleeding gums are common symptoms of diabetes.3
  • Dental x-rays of the jaw may show the first signs of bone loss caused by osteoporosis.4

Lincoln PPO plans offer standard features and flexible options, such as oral cancer detection screening and additional routine cleanings. Talk to your employer to see if these features are available on your plan.

Dental insurance group protection video thumb
Dental insurance

See how you can manage your dental costs and maintain your dental health. 

1Counts reflect the number of unique providers and provider locations based on Ignition Group’s September 2015 NetMinder Report.
2 Could Your Smile Betray a Heart Risk?, 2014 .
3 What Conditions May be Linked to Oral Health? Mayo Clinic, 2013 .
4 Oral Health and Bone Disease, NIH Osteoporosis and Related Bone Diseases National Resource Center, 2012

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.

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.