Dental Insurance and Dental Savings Plan

Protect your health and wallet with an affordable dental policy or plan for individuals and seniors on Medicare.

We offer both dental insurance, which provides benefits to help pay for dental care, and a dental savings plan, which offers discounts on services.

Our dental products

Dental insurance policies

Our insurance policies provide benefits to help cover the costs of a wide range of essential dental services.

  • No waiting period for many services – you get access right away for preventive and basic services
  • Benefits that cover cleanings, oral exams, fillings, extractions, crowns, dentures, implants and more
  • Optional vision benefits that cover eye exams, glasses and lenses

Choose from two insurance options to get the best fit for your budget and needs.

See Dental Insurance Policies and PricingFind Dentists for Dental Insurance

Covered dental services

List of Covered Dental Services 2024

Dental savings plan

Our dental savings plan is different from insurance. It gives plan members access to discounted pricing on many types of dental procedures and services.

  • Choose from individual or family plan membership options
  • No waiting for discounts on services, including cleanings, fillings, dentures, crowns and even cosmetic dental care
  • Save 5% to 60% on your dental care by visiting participating providers

Plans start at just $8.95 per month or $99 per year.

This is not insurance and is not intended to replace insurance.

See Our Dental Savings Plan OptionFind Dentists for Savings Plan
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Find the right option for you

Over 65,000 people already benefit from individual dental products provided by Mutual of Omaha¹. Compare our dental products to find which fits your budget and needs, or call us at 844-918-2569 for one-on-one help.

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Frequently asked questions

Mutual of Omaha dental insurance provides direct coverage of dental costs, up to the annual maximum benefit with no waiting period for preventive and basic 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 our products for more details.

Dental coverage is typically split into three categories: preventive services, basic services and major services. Mutual of Omaha's dental insurance policies cover 100% of all preventive services, and offer different levels of coinsurance for basic and major services. Compare our products or view the list of services covered by our dental insurance.

There's no waiting period for basic or preventive services with Mutual of Omaha dental insurance. This includes immediate coverage for cleanings, X-rays, fillings, extractions, emergency treatment and more.

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

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 the dental savings plan, you may go to the dental provider of your choice. However, you only receive a discount by going to a dentist in the network of preferred providers. Find a participating dentist for the dental savings plan.

Guide to mastering Medicare

Want to learn more about Mutual of Omaha dental products?

Enter your email address to download our FREE information kit. We offer both dental insurance and a dental savings plan so that you can find the best option to meet your dental needs.

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