United National Life

Why United National Life (UNL) Dental & Vision Insurance?

UNL offers a unique plan that pays 80% of actual charges for covered expenses. This plan also offers a higher benefit option, since you can choose a $1,000, $1,500, or $2,000 benefit for the year.

• $100 deductible
• No networks
• Benefits paid directly to policyholder‍
• $350 wellness benefit, which, if you use it, can offset some or all of the annual premium

‍The $350 wellness benefit is completely separate from the plan's maximum benefit. The wellness benefit includes:

• X-rays and two dental cleanings per year (up to $75 each)
• One basic eye exam or refraction (up to $50)
• $150 in prescription eyewear or contacts and most basic dental care

With UNL’s plan, there are waiting periods, which include:

• 3-month waiting period for X-rays, 2 dental cleanings per year, and one basic eye exam or refraction per year
• 6-month waiting period for $150 in prescription eyewear or contacts and most basic dental care
• 12-month waiting period for almost all non-cosmetic dental care, including bridges, crowns, dentures, root canals, out-patient dental surgery, full mouth extractions, and more

This plan is a few dollars more per month than Aetna’s plan, but if you plan to utilize the wellness benefit, it could offset your premium for the year.

UNL Dental & Vision State Availability

The UNL Dental & Vision product is available in most states.

New to Dental, Vision, and Hearing Sales?

Senior consumers search for dental insurance more than you might think – in fact, for one our local agencies, it's one of the top online lead generators. Whether you think dental insurance is a waste of your time or not, it’s what people are searching for. And you know the saying… give the people what they want!

The fact of the matter is that there’s a huge need for it in the senior market. Why?

• Medicare doesn’t cover most dental services
• About 74 million Americans don’t have dental coverage (about 23% of the entire population)
• 76% of seniors say they plan to visit the dentist within the next year

So… people need it, and they can’t pay for it.

That explains why dental insurance is one of the most popular ancillary product sales for Medicare-eligible clients.

If you want to get started with DVH insurance, you really don't need much training. We encourage you to call us and ask for Luke Hockaday – he will help you get going! (Phone: 888-780-7676; Email Luke Hockaday.)

You may also like reading:

• Give the People What They Want: How to Sell Dental Insurance to the Senior Market