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How Benefits Work under the UniCare PPO Dental Plan for Indiana Residents

UniCare PPO Dental Insurance
for Indiana Residents

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UniCare Dental - How it Works

When you choose a dentist participating in the UniCare Dental PPO Network, you receive care at negotiated discounted rates — what UniCare calls “The UniCare Advantage.”

If you receive services from a non-participating dentist, the plan still provides benefits, but your out-of-pocket expense will be greater, as the negotiated fees do not apply to non-participating dentists.

You are responsible for any charges in excess of the stated benefit for both participating and non-participating dentists.

Utilizing Participating PPO Dentists

Your current dentist may be a participating dentist.  Before you choose a dentist, be sure to check the UniCare PPO Dentist Finder, or call UniCare Dental Services at (888) 209-7852.  It could save you money.

If your current dentist is not a participating dentist and you would like him or her to become one, please notify:

WellPoint Dental
Attn: Network Development
P.O. Box 9069
Oxnard, CA 93031
Flat Dollar Benefit Schedule

The plan states in flat dollar amounts how much it pays for covered services. This means you are able to calculate how much you'll have to pay once you've determined your dentist’s fee for specific procedure(s).

PPO Dental Benefit Example
Following is an example of how you reduce out-of-pocket costs by using dentists participating in the UniCare Dental PPO:
Participating Dentist
If the billed charges are
$745
And UniCare's Negotiated Rate is
$500
UniCare will pay the amount
specified in the benefit schedule
$215*
 
Therefore, you pay the difference
between the negotiated amount
and the scheduled benefit
$285

 
Non-Participating Dentist
If the billed charges are
$745
UniCare will pay the amount
specified in the benefit schedule
$215*
 
Therefore, you pay the difference      
between the negotiated amount
and the scheduled benefit
$539

 
* This assumes your deductible has been met and you haven't reached your annual maximum benefit.
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