Jim Ellis offers a comprehensive dental plan with an extensive network of dentists through UnitedHealthcare (UHC).  We encourage you to use network dentists in order to help manage the long term costs of the dental plan and reduce your out-of-pocket costs. 

Important Documents

The UnitedHealthcare dental plan provides coverage both in and out-of-network.  However, you will make the most of your dental plan benefits if you visit participating UHC dentists.  We encourage you to use a participating dental provider to reduce your out-of-pocket costs and help manage the long term costs of the plan.  Participating dentist information can be found on the Resources page.


Below is a benefit summary of your annual deductible and co-insurance costs.

Calendar Year Deductible
$50 individual | $150 Family
Does not apply to preventive care
Calendar Year Maximum
Children to age 19 only
Plan pays 50%
$1,000 lifetime maximum
Preventive Care (Deductible Waived):
Plan pays 100%
Exams and cleanings: 2 per 12 months
Fluoride: 2 per calendar year (children under age 16)
Bitewing x-rays: Once per calendar year
Full mouth x-rays: Once per 3 years
Type B - Basic Services (After Deductible):
Plan pays 80%
Sealants: Once per 3 years (children under age 16)
Space maintainers: Once per 5 years (under age 16)
Amalgam and composite fillings
Oral surgery: Simple and surgical extractions
Type C - Major Services (After Deductible):
Plan pays 50%
Root canal
Periodontal maintenance and surgery
Scaling and root planing
Crowns, dentures, and fixed bridges
Inlays / Onlays
Implant services
Please refer to the Certificate for a completing listing of covered services and frequency limitations.

Important Notes

  • No age limitations for coverage

  • $50 employee deductible / $150 family deductible (waived for preventive)

  • 100% Preventive Coverage / 80% Basic Coverage / 50% Major Services

  • Members utilizing participating dentists will enjoy discounted dental fees in addition to protection from balance billing for charges above the dentist’s maximum allowable charges. Members utilizing non-participating dentists will have the same benefits but may be subject to balance billing.


Finding a Provider

Access and select "Find a Dentist."

Claims Process


  • Participating dentists file the claim and accept payment from UnitedHealthcare
  • Employees should not need to pay at the time of service for participating providers



  • For out-of-network dentists, if the dentist does not agree to file the claim as out-of-network with UHC, employee pays at the time of service and files a claim for reimbursement
  • Charges by out-of-network providers that exceed Usual & Customary charges are the member’s financial responsibility. (Member pays the difference between the actual charge and the plan’s U&C reimbursement level.)