Dental Insurance

Dental benefits are a critical component of employee benefit packages that attract and retain top talent. We help employees maintain their oral health while protecting their finances. Unum Dental plans cover routine care as well as more expensive dental procedures, reducing employees’ out-of-pocket costs.

Dental users interacting with tablet

Flexible dental coverage backed by a large national network

With Unum Dental, you have access to decades of industry experience, expert customer service, and flexibility to design a dental plan that’s customized to your business — and employees’ needs.

Unum Dental plans are supported by our large national network, comprehensive online tools and simple administration.

  • Preferred Provider Organization (PPO) plans you can tailor to suit your business and your employees
  • Options for funding, including fully insured and self-insured plans2
  • Flexible coinsurance percentages by service type, including 100% coverage for preventive services, such as cleanings and exams
  • Freedom to choose any provider to access care, with a large national network to reduce out-of-pocket costs when visiting an in-network provider
Laptop conference call image

Administration made simple

Don’t get slowed down. Our fast, intuitive online portals simplify benefit administration and save time for employers.

  • Ability to view and pay a single bill in a breeze and see the total premium due across all Unum policies
  • Secure, easy-to-use employer portal that makes it easy to find benefit information, perform plan administration tasks, and communicate with us
  • Convenient notifications when bills are due or tasks are ready
  • Simple, secure ways to keep things moving, like self-service password reset and easily granting account access to designated members of your business
Dental Benefits Employee interacting with laptop

For your employees

Employees can easily manage their benefits on Unum Dental’s member website: 

  • Checkmark icon

    Search for in-network dental providers

  • Checkmark icon

    Access the dental health center

  • Checkmark icon

    Print ID cards, view claim history, access coverage information

  • Checkmark icon

    Schedule a virtual dental visit 24/7 for emergencies when in-person visits aren’t an option. Available for active dental members as a preventive service

Dentists available where your employees live and work

Our growing provider network stretches from coast to coast, so your employees have quick and convenient access to in-network care where they live and work.1

Virtual Dental Benefits 24/7

Your Unum Dental plan now provides access to virtual dental visits for whenever your employees have a dental emergency or can’t go in person — when they’re traveling, after hours, or don’t have a regular dentist.

Plan administrators

Are you a current plan administrator?


1 Network 360 December, 2021.

2 Self-insured dental claims are administered by Starmount Life Insurance Company, Baton Rouge, LA.

MA residents — The approved Service Area consists of all of Massachusetts EXCEPT Dukes and Nantucket Counties.

A Network Access Plan is available.


This policy provides DENTAL insurance only.

Unum Dental PPO plans are underwritten by Starmount Life Insurance Company, Baton Rouge, LA. In New York, underwritten by Provident Life and Casualty Insurance Company, Chattanooga, TN.

The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.

Applicable to policy forms DN-2007, DN-2010, DN-2015, and 20-GDN-POL.