Mutual of Omaha Dental Plans

No, with Mutual of Omaha dental insurance plans, you have the freedom to use any dentist you would like. You do not need to select your dentist from a list of network providers to qualify for benefits and coverage. However, if you purchase a network plan, you have the ability to lower your out-of-pocket costs and receive the greatest savings when you utilize a Mutual of Omaha Dental Network provider.

With a dental insurance policy, you always have the option to see the dentist of your choice. Dentists in our network offer dental services at negotiated rates. That means your out-of-pocket costs will be lower with an in-network dentist. Dentists outside our network do not provide services at negotiated rates. That means your out-of-pocket costs may be greater. Find an in-network dentist for dental insurance.

With all Mutual of Omaha dental plans, you receive two cleanings per year at no cost including x-rays and fluoride treatments. 

The Mutual of Omaha Dental Network features:

• Discounted fees, typically 30% below average charges in your community
• Immediate network discounts
• One of the largest nationwide networks with over 428,000 access points and 111,500 unique providers

Additionally, when you utilize a Mutual of Omaha Dental Network provider, your out-of-pocket costs may be lower because they have agreed to a negotiated fee for covered services.

Yes, Mutual of Omaha plans you have the freedom of choice. Seeing an out of network dentist will potentially be more costly because they have not agreed to accept our payment allowances. You will be responsible for the difference between what your Mutual of Omaha plan covers and what the non-participating dentist charges.

Additionally, when you utilize a Mutual of Omaha Dental Network provider, your out-of-pocket costs may be lower because they have agreed to a negotiated fee for covered services.

Enrollment materials will be emailed or mailed to you within 7-10 business days of a completed application, depending on the selection made during the enrollment process.

While Mutual of Omaha does not currently offer family dental insurance, our dental savings plan offers a member and family membership option in addition to plans for individual members only and members plus one. For family plans, we recommend Ameritas and Delta Dental plans.

No. There is no waiting, no age restriction and no limits on use for our dental savings plan.

No. Mutual of Omaha does not require a pre-approval for services received, but we recommend a pre-treatment estimate of services for any non-emergency treatment plan of $300 or more.

This allows us to let you and your provider know, before the procedure is performed, if it is a covered procedure and what the reimbursement for the covered procedure will be. This helps eliminate confusion before dental work is performed. Please discuss this option with your dentist.

Cosmetic services are not covered under Mutual of Omaha’s group dental plans. Orthodontia is a benefit option that is offered as a service under many plan options. You may contact Mutual of Omaha Customer Services Department at 1-800-927-9197 to review your group’s dental benefits.

Mutual of Omaha dental insurance provides direct coverage of dental costs, up to the annual maximum benefit with no waiting period for services. Our dental savings plan provides discounts for most dental services including cosmetic services and has no limits on use and no waiting. Each dental product has advantages but determining the best options for you will depend on your needs. Compare the Mutual of Omaha dental plans for more details.

Some dental plans may work better for you or your family.  Here are a few questions to ask yourself, while reviewing plans:

• Are there waiting periods for certain procedures?

• Does this plan require you to use a network of dentists or can you use any dentist you choose? If the plan has a network, what dentists participate in the plan’s network?

• If I used a dentist outside the plan’s network, what will the benefits be?

• Does the plan charge an enrollment or application fee?

• Is there a deductible on the plan?

• What is the annual maximum?

• Online Account: Log in to your secure, personal account on the Mutual of Omaha website to view and print a temporary card immediately.
• Customer Service Phone: Call 1-800-775-6000 (Mon–Fri, 7:00 a.m. to 5:30 p.m. CST) to request a new physical card.
• Medicare Specific: If your card is lost or stolen, call the number above or visit a local Social Security office to request a replacement. 

• Vision Cards: Use the EyeMed Members app for digital access to vision coverage.
• Replacement Time: New cards sent through the mail may take up to 30 days to arrive.
• Security: If your card was stolen, inform the representative to ensure a new policy number is issued if necessary. 

To submit a Mutual of Omaha dental claim, in-network dentists typically file on your behalf. For non-participating dentists or specific claims, download the claim form from Go2Dental or Mutual of Omaha’s website, complete it with itemized bills/receipts and EOBs, and mail it to P.O. Box 211472, Eagan, MN 55121.

Steps to Submit a Dental Claim:

• In-Network Services: Most in-network dentists handle the claim filing for you.

   

• Out-of-Network Services: If you must submit it yourself, obtain an itemized receipt and, if necessary, an Explanation of Benefits (EOB) from Pangea Financial Group.
• Form Submission: Complete the required dental claim form from Go2Dental, sign it, and send it via mail to:
  Mutual of Omaha
  PO Box 211472
  Eagan, MN 55121
• Digital Access: You can check the status of your claim through the Mutual of Omaha Employee Portal.
  Assistance: For further help, call 800-877-5176.

For accident-related dental claims, you may need to include additional documentation, such as medical records or incident reports.