A mother and daughter smiling and hugging.

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.

dental app video
See your dental benefits on the go

Access your Lincoln dental benefits with our new mobile app!1

Learn more. (PDF)

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


Coverage you need; support you deserve

Preferred Provider Organization (PPO) plans, including In-network Only plans (INO)2 and Maximum Allowable Charge (MAC) 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   
Find a Dentist, blue tooth
It’s easy to find a dentist
  • With our PPO plan, you have access to more than 540,000 access points and over 117,000 unique providers nationwide3. 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.




Dentist's normal charge



PPO negotiated fee



U&C amount*













x 50%

x 50%

Benefit paid to dentist



Calculating Michelle's expenses



Patient liability above U&C amount*






Coinsurance (Michelle's portion)



Michelle pays out of her pocket



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.4
  • Bad breath and bleeding gums are common symptoms of diabetes.5
  • Dental x-rays of the jaw may show the first signs of bone loss caused by osteoporosis.6

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.

1 The Lincoln dental mobile app is not available with DHMO plans.
2 In-network Only (INO) plans are not available in all states.
Counts reflect the number of unique providers and access points based on Ignition Group’s March 2019 NetMinder Report. Data Source: NetMinder. Data as of: March 2019. The Ignition Group makes no warranty regarding the performance of the data and the results that will be obtained by using the data.
Periodontal Disease and Heart Health, WebMD .
What Conditions May be Linked to Oral Health? Mayo Clinic, 2013 .
Oral Health and Bone Disease, NIH Osteoporosis and Related Bone Diseases National Resource Center, 2012