Mutual of Omaha Dental Plans
The Mutual of Omaha approach to dental insurance is simple - plan options to fit your dental needs backed by one the largest dental networks nationwide and award-winning service. It’s really that simple. Mutual of Omaha individual dental insurance is an affordable way to maintain dental health when you are not eligible for benefits through an employer.
Plan highlights include:
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- No enrollment fees
- No waiting periods and additional savings by going in-network.
- You can visit any dentist, and will almost always pay less out-of-pocket when visiting a Mutual of Omaha Dental Network provider.
- Over 400,000 access points and 100,000 in-network dentists nationwide.
- Discounted fees, typically 30% below average charges in your community
- Two exams and cleanings per year covered at 100%
- Up to $5,000 annual maximum benefit amount per person
- The freedom to choose any dentist or utilize the Ameritas Dental network with over 428,000 access points and 111,500 unique providers
- Comprehensive coverage for all ages (18+) at a single rate
- A 30 day customer satisfaction guarantee
- Dental plans are also available to Seniors ages 65+
- List of Covered Dental Services
Network for greatest savings.
- Over 400,000 access points nationwide
- Over 100,000 unique providers nationwide
- Mutual of Omaha dental 65+ insureds have a 41% network utilization with a 31% discount average
- 94% provider persistency
Plan Designs
Mutual of Omaha offers 2 plans: Mutual Dental Preferred and Mutual Dental Protection with a choice of a $1,500, $3,000, or a $5,000 annual benefit.
Mutual of Omaha dental plans are best when using a Mutual of Omaha network provider for the most savings. The Mutual Dental Preferred plan is best for individuals needing repeated dental work using a network or non-network provider. The dental plans provide great discounts for using in-network dentists and prevents any billing "surprises" that dentists outside of the network may charge balance billing (bill the patient for larger amounts than the insurance company pays).
Out-of-Network Benefits
Charges are paid at the 80th percentile of the average cost of service in the customer's area. The customer then pays the difference to the dental provider (if any).
Mutual Dental Protection
- Most economical option
- Designed for someone looking for coverage for annual cleanings with periodic cavities
- Major coverage level increases from 20% year 1 to 50% years 2+
- Plan providing coverage beginning day one
- Choice of $1,500, $3,000, or $5,000 annual benefit, no waiting periods
- 15% dental insurance discount if the dental application is signed on or after a Medicare supplement application is signed and is within 30 days of the Medigap plan issue date
Mutual Dental Preferred
- Designed for someone looking for coverage on all services with propensity for cavities
- Major Services coverage level increase after year 1
- Plan providing coverage and orthodontia beginning day one
- Choice of $1,500, $3,000, or $5,000 annual benefit, no waiting periods
- 15% dental insurance discount if the dental application is signed on or after a Medicare supplement application is signed and is within 30 days of the Medigap plan issue date
Mutual Dental Protection
Mutual Preferred
Dental Savings Sample
Network vs. Non-Network
- All plans offer out-of-network benefits
- Non-network plans provide higher levels of coverage for non-network dentists
- Network plans are cheaper, and are a good way to save money if your dentist is in network
| Mutual Dental Protection | Mutual Dental Preferred | Mutual Dental Savings Plan | |
|---|---|---|---|
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| Network | Designed for those who will utilize a Mutual of Omaha Dental Network provider | Freedom to use any dentist, opportunity to utilize a Mutual of Omaha Dental Network provider for additional savings | Utilize a Mutual of Omaha Dental Network provider |
| Maximum Benefit | Choice of $1,500, $3,000, or $5,000 | Choice of $1,500, $3,000, or $5,000 | No limits on use |
| Deductible (Basic & Major only)a specified amount of money that the insured must pay before an insurance company will pay a claim. | $100 | $50 | N/A |
| Waiting Periods | No | No | No |
| Enrollment Fees | No | No | No |
| Monthly Cost | $1,500 annual max: $29.91 $3,000 annual max: $30.76 $5,000 annual max: $32.89 |
$1,500 annual max: $57.57 $3,000 annual max: $65.93 $5,000 annual max: $72.27 |
Member only: $8.95 Member + 1: $13.95 Member + family: $15.95 |
| PREVENTIVE SERVICES | |||
| Plan Pays | Plan Pays | Plan Pays | |
| Exams (2/year) | 100% | 100% | 61% savings |
| Cleanings (2/year) | 100% | 100% | 55% savings |
| Bitewing X-rays | 100% | 100% | 61% savings |
| Fluoride Treatments (under age 16) | 100% | 100% | 61% savings |
| Sealants (under age 16) | 100% | 100% | 61% savings |
| BASIC SERVICES (type 2) | |||
| Plan Pays | Plan Pays | Plan Pays | |
| Fillings | Starting Day 1: 50%
After Year 1: 50% |
Starting Day 1: 80%
After Year 1: 80%
|
53% savings |
| Simple Extractions | Starting Day 1: 50%
After Year 1: 50% |
Starting Day 1: 80%
After Year 1: 80% |
60% savings |
| MAJOR SERVICES (type 3) | |||
| Plan Pays | Plan Pays | Plan Pays | |
| Oral Surgery |
Starting Day 1: 20% After Year 1: 50% |
Starting Day 1: 20% After Year 1: 50% |
Save 5% to 60% on major services performed by a General Dentist |
| X-Rays (panoramic) |
Starting Day 1: 20% After Year 1: 50% |
Starting Day 1: 20% After Year 1: 50% |
Save 5% to 60% on major services performed by a General Dentist |
| Endodontics | Starting Day 1: 20%
After Year 1: 50% |
Starting Day 1: 20%
After Year 1: 50% |
Save 5% to 60% on root canals performed by a General Dentist |
| Periodontics |
Starting Day 1: 20% After Year 1: 50% |
Starting Day 1: 20%
After Year 1: 50% |
Save 5% to 60% on major services performed by a General Dentist |
| Crowns |
Starting Day 1: 20% After Year 1: 50% |
Starting Day 1: 20%
After Year 1: 50% |
Save 5% to 60% on crowns performed by a General Dentist |
| Bridges |
Starting Day 1: 20% After Year 1: 50% |
Starting Day 1: 20%
After Year 1: 50% |
Save 5% to 60% on major services performed by a General Dentist |
| Dentures |
Starting Day 1: 20% After Year 1: 50% |
Starting Day 1: 20%
After Year 1: 50% |
Save 5% to 60% on major services performed by a General Dentist |
| IMPLANTS | |||
| Plan Pays | Plan Pays | Plan Pays | |
| Lifetime Maximum Benefit for Implants | $2,000 |
$3,000 |
No limits on use |
| Optional Vision Rider | ||||
|---|---|---|---|---|
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| Network |  |
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| In-Network Copay | Out-of-Network Allowance | |||
| Eye Exam | $150 allowance | $150 allowance | ||
| Frames (every 24 months) | $150 allowance | $150 allowance | ||
| Contacts (in Lieu of frames) | $150 allowance | $150 allowance | ||
| Single/Bifocal/Trifocal Lenses | $20 | $20 | ||
| Lenticular Lenses | $20 | $20 | ||
| Monthly Cost | $8.28 | |||
| Standard Lens Enhancements | ||||
| In-Network Copay | Out-of-Network Allowance | |||
| UV Protection Coating | $16 | Not Available | ||
| Glass Tints | $34 | Not Available | ||
| Factory Applied Standard Scratch Resistance Coating | $17 | Not Available | ||
| Polycarbonate Lenses | $31 | Not Available | ||
| Anti-Reflective Coating | $41 | Not Available | ||
| Standard Progressive | $50 for Multifocal | $50 | ||
| Other Add-Ons | Available at a discount | $16 | ||
| $34 | ||||
| $17 | ||||
| $31 | ||||
| $41 | ||||
| $50 for Multifocal | ||||
| Available at a discount | ||||
Why do I need dental and vision insurance coverage?
If you are in the market for dental and vision insurance and find yourself asking, "Why do I need it?" consider the advantages to your overall health. Our oral and ocular health can be key indicators in detecting early stages of many health risks and diseases along with preventing many other health issues.
Mutual of Omaha understands that your needs are unique
We're committed to finding you the dental and vision plans that meets your needs. Mutual of Omaha dental and vision insurance plans offer affordable coverage with instant free online quotes, coverage for individuals 18+ (including seniors), no online enrollment fees and the Mutual of Omaha dental network.
| Mutual of Omaha dental insurance plans Include: | Mutual of Omaha vision insurance plans Include: |
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Network Information
Network for greatest savings.
- Over 400,000 access points nationwide
- Over 100,000 unique providers nationwide
- Ameritas 65+ insureds have a 41% network utilization with a 31% discount average
- 94% provider persistency
Savings Example
| Procedure | 80th U&C | Network Rate† | Day One Cost | Day One Savings | Year Two Cost | Year Two Savings |
|---|---|---|---|---|---|---|
| Cleaning | $108 | $61 | $0 | 100% | $0 | 100% |
| Filling | $139 | $80 | $52 | 62% | $16 | 88% |
| Crown | $1,117 | $748 | $635 | 43% | $374 | 66% |
| Description of benefits shown based on 78415 zip code. Rates vary by location. Benefits based on Mutual Dental Preferred dental plan. †MAC/MAB charge. | ||||||
Mutual of Omaha Dental in Texas: 2026 Plans & Rates
Last updated: April 2026 · Reviewed by a licensed Texas health insurance agent
Mutual of Omaha is best known to Texans for Medicare Supplement insurance, but its dental product has quietly become one of the better-priced options in the Texas individual market — especially for Medicare-age Texans who want dental that coordinates cleanly alongside their Medigap policy. This is an honest agent’s review of what it looks like in 2026.
The quick take
- Best for: Texans age 50+, especially those already holding a Mutual of Omaha Medigap. Also strong value for healthy adults wanting PPO freedom without BCBSTX premiums.
- Skip it if: you need orthodontic coverage (not covered on individual plans), or your dentist isn’t in the Ameritas Classic network.
- Typical 2026 Texas premium: $24–$52/month depending on plan and age. Age-rating is aggressive — older adults pay more.
- Dentist network in Texas: uses the Ameritas Classic network. If your dentist is in Ameritas Classic, they’re in-network here too.
Mutual of Omaha dental plans available in Texas (2026)
Mutual of Omaha Dental Insurance Plan A
Entry-level PPO: 100/50/50 on preventive/basic/major, $1,000 annual maximum. Typical 2026 Texas premium for a 45-year-old non-tobacco adult: $24–$30/month. For a 65-year-old: $38–$48/month.
Mutual of Omaha Dental Insurance Plan B
Mid-tier with $1,500 annual maximum and 80/50 coinsurance for basic/major. Typical Texas premium: $32–$45/month.
Mutual of Omaha Dental Insurance Plan C
Higher-tier with $2,500 annual maximum and 80/80 basic coinsurance — unusually generous at this price point. Typical Texas premium: $42–$58/month.
Where Mutual of Omaha dental wins in Texas
- Medicare-age Texans. If you’re already a Mutual of Omaha Medigap member, adding dental means a single billing relationship and one app/login. Some members get a small multi-policy discount.
- Dentist in Ameritas Classic. Same network, sometimes a lower premium — individual dental is priced aggressively on certain age bands.
- High annual maximum at a reasonable price. Plan C’s $2,500 annual max is $500–$1,000 higher than most Texas competitors in the same premium band.
- Simple claims. Historically ranked high by state insurance departments for claim-paying speed and few complaints.
Where Mutual of Omaha dental falls short
- No orthodontic coverage on individual plans. If you or a child needs braces or Invisalign, Ameritas is the better Texas pick.
- Age-rated pricing. Premiums climb meaningfully after age 60 — more than BCBSTX and Delta.
- MA dental overlap. If you’re on a Mutual of Omaha Medicare Advantage plan, you likely already have built-in dental; a second standalone plan is usually redundant.
- Thinner rural network. Same Ameritas Classic footprint — strong in metros, weaker in small-town Texas.
Mutual of Omaha dental waiting periods in Texas
Standard waiting periods apply: 0 months preventive, 6 months basic, 12 months major. Waived if you’re replacing prior dental coverage with no gap. Have your prior plan’s certificate of coverage ready and the agent will submit the waiver request with your application.
Pairing Mutual of Omaha dental with Medicare
This is the scenario we recommend it most often in Texas: a 65+ client enrolling in a Mutual of Omaha Medicare Supplement (Plan G or HDG) who wants dental that feels like a single product. The Medigap pays the 20% coinsurance Original Medicare leaves behind; the dental plan covers cleanings, fillings, and — on Plan C — enough annual max to absorb a crown or partial denture. Because most Texas MA plans already include some dental, this pairing is for Original Medicare + Medigap clients, not MA clients.
Ready for a Mutual of Omaha Texas quote?
Applications run 10–15 minutes. We’ll verify your dentist’s network and compare against BCBSTX, Ameritas, and Delta in one view.
Frequently asked questions
Is Mutual of Omaha dental good in Texas?
Yes, particularly for Medicare-age Texans and for adults who don’t need ortho. Often the best-priced PPO for a given annual max in the 45–60 age band. Verify your dentist is in the Ameritas Classic network before enrolling.
How much does Mutual of Omaha dental cost in Texas?
Typical 2026 premiums run $24–$58/month depending on plan (A, B, or C), age, and ZIP. Age-rating is more aggressive than BCBSTX, so older adults should compare carefully.
What network does Mutual of Omaha dental use in Texas?
The Ameritas Classic PPO network. If your dentist is in Ameritas Classic, they’re in-network for Mutual of Omaha.
Does Mutual of Omaha dental cover orthodontics?
No, not on individual Texas plans. For orthodontic coverage, Ameritas or certain group plans are better options.
Can I pair Mutual of Omaha dental with a Medicare Supplement?
Yes — arguably the best use case. Single-carrier billing, consistent member services, sometimes a small multi-policy discount. Especially useful for Original Medicare + Medigap clients without embedded MA dental.
Does Mutual of Omaha dental have a waiting period?
Yes: 0 months preventive, 6 months basic, 12 months major. Waived for prior continuous dental coverage.
About Texas Health Agents
Texas Health Agents, a licensed Texas insurance agency (TDI License #1816327). Appointed with Mutual of Omaha for Medicare Supplement, dental, and long-term care. Contact our team for a Mutual of Omaha Texas dental quote.
Apply Online Now
- Savings for using the DenteMax Plus network (includes, DenteMax, United Concordia, Connection Dental)
- Still have the freedom to use any dentist you would like
- Instant free online quotes
- No online enrollment fees
- Optional vision add-on