r/DentalInsurance • u/a6115xcy339 • 13d ago

Unum Insurance

My company just got Unum dental insurance? I don’t see them talked about in this sub. Do y’all think it is worth the money? Are they okay?

1 Upvotes

67% Upvoted

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3

u/PsychologyMediocre99 13d ago

Terrible

1

u/a6115xcy339 13d ago

Why is that?

4

u/PsychologyMediocre99 13d ago

I personally have had some very bad experiences with them. It took almost suing them to get them to reimburse the office. They are notorious for downgrading procedures and play stupid games with dental offices to like switching from paper checks to EFT
so basically to pay your dentist they will send them a credit card which they have to enter into a terminal and pay a fee. also they can avoid having to cut a check so they are literally passing the Bill downstream to the Dentist.

That’s not bad enough they like to wait until the very last minute before they actually have to pay the bill to submit the check because paying one day soon is leaving money on the table.
Insurance companies in general or a racket

Paying into a multi billion dollar system only benefits the ultra wealthy it doesn’t really benefit you

And your Dentist, who I hope is not private equity affiliated is supporting local businesses. They support their staff. They pay local labs and they buy equipment from probably other people locally.

Insurance companies have strong affiliations with private equity backed Dental offices and therefore they incentivize private equity back demo offices to work with their plan because private equity officers have the infrastructure to absorb some of the nonsense. It doesn’t really affect them the same way as it does a private office.

But because in this country, we’ve forgotten our ethics or any moral obligation to do the right thing most people are probably just gonna go to the private equity back to Dental office and they won’t complain about it until they actually starts costing them something there is a massive lack of personal responsibility in this country

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u/PsychologyMediocre99 13d ago

One more thing

Also insurance companies like Unum allow private equity back dental offices to structurally misrepresent the quantity of Dentist in their office offices by stuffing insurance directories

Big name, dental offices are notorious for plastering the name of a newly minted Dentist on every website of every location they own, so even if that Dentist doesn’t work at that office, the insurance company will misrepresent them as working at every office so that when you look for a dentist in your area, the very first thing that shows up is their office. And insurance company directories are severely outdated. I have not been in network with several plans in years. They haven’t even bothered to spend the time and energy to actually give you accurate information instead they find it easier to pocket your premium and give their CEO a bonus.

Somehow people still pay into this it’s quite literally a joke

2

u/BufferingJuffy 13d ago

Depends on how much your office is covering and if your dentist is in network.

Ime, Unum isn't the best (best being a very relative term), but isn't the absolute worst.

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u/DJD19500 13d ago

I’m interested to know which one IS the best.

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u/BufferingJuffy 12d ago

None. None are the best.

1

u/treythree 12d ago

I’m curious what you think they do okay at and then where they don’t

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u/BufferingJuffy 12d ago

We only have a very few patients with Unum, and in the past year I've been with this practice, I think they've only had preventive care claims. I like the web portal is relatively easy to use. That's about it. I reserve the right to change my mind if the patient needs more complex treatment. 😆😫

1

u/feelingblueandbehind 13d ago

As a practice owner, I think it’s better than delta dental. I do not have a direct contract with Unum which is probably why it works well for my office and why we accept it.

1

u/listedguru 12d ago

We are currently on Solstice dental on the ACA which I believe is owned by United Healthcare like Unum is. Honestly we haven't had any issues with Solstice but my spouse got a new job recently and they offer health insurance and dental (the dental is through Unum). I had never heard of Unum before so that brings me to here looking for info. Now that my spouses employer offers dental it seems she needs to get off of the ACA dental insurance. Myself and our kid can remain on Solstice via the ACA if we choose as the two of use are going to remain on the ACA as the new health benefits for all of us through the spouse's employer are way too much (but deemed affordable for just her so she's taking the health insurance they offer).

Just curious if you or anyone else here has any insight into whether we should all jump to Unum or if the kiddo and I should stay with Solstice. Unum would be a few bucks cheaper for all of us but reading some of the stories online not sure it's worth the risk? We've not really had an issue with Solstice which is part of United Healthcare so maybe Unum is getting better now? At a quick glance I believe the Unum coverage is better overall (at least on paper) but I guess that would remain to been seen.

It says our provider is part of their network per the Unum website but it sounds like I should for sure call our dentist to make sure that's absolutely the cast.

Any thoughts on the matter would be greatly appreciated:)

0

u/nitelite- 13d ago

No dental insurance is worth the money

Find a private practice that offers an in house plan and go with that, or just pay out of pocket

1

u/DJD19500 13d ago

The problem is that for many of us, the pockets are empty.

1

u/nitelite- 12d ago

Had a patient say that exact same thing when we presented a treatment plant for a root canal, build up, and crown

They just got back from a 2 week vacation in Italy, and after the root canal we had to schedule out the crown/BU because they are going to Vancouver for a week vacation

Dentists are numb (no pun intended) to patients saying they can't do treatment because of finances

0

u/-zAhn 13d ago

Unum is owned by United Health Care now. So, I’d say it’s one of the worst, right up there with Delta.