A picture of a woman and a child 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.

Find a Dentist, blue tooth
Explore your dental options
  • Find out more about the dental products we offer.
    Learn more. (PDF)

Full benefits

  • Services include preventive, diagnostic, periodontics, endodontics and major restorations.
  • PPO plans include our standard PPO plan, a certified family plan and the economical maximum allowable charge (MAC) plan.
  • Additional dental products include DHMO and indemnity plans.

Flexible options

  • Our PPO plan offers more than 112,000 unique providers and 386,000 locations 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 help employees use and extend their annual maximums.
  • Several wellness options include additional routine cleanings and adult fluoride.

Dental benefit providers
  • Are you part of the Lincoln DentalConnect® network?
  • Find out now. (PDF)

Added value

  • 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.

A man sitting and looking with his chin on his hand.
PPO or DHMO: Which option is best?

In California, Florida and Texas, Lincoln customers can choose either a PPO or DHMO dental plan. Our DHMO lets participants choose a primary care dentist from a broad network of pre-approved dentists, and the cost of care is based on a fixed payment schedule. 

What's the difference between a PPO and a DHMO?  Find out more.

California  | Florida  | Texas

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, www.optumhealthallies.com or ohacustomercare@optum.com.

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 go2dental.com, Santa Clara, CA. EPIC Hearing Health Care and go2dental.com 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.