Who Accepts Unum Dental Insurance? A Complete Guide for Patients in 2025

Finding the right dentist can be stressful, especially when you’re trying to figure out who accepts Unum Dental insurance. The good news is that Unum has a large nationwide network of dentists, specialists, and oral surgeons who work with their plans. Whether you need preventive care, major dental work, or implants, knowing where your insurance is accepted can save you time and money.

In this guide, we’ll cover how Unum Dental works, how to find providers in your area, and tips for maximizing your benefits.

What Is Unum Dental Insurance?

Unum is one of the leading providers of supplemental insurance in the United States. Their dental insurance plans are designed to make oral care affordable by covering preventive services like cleanings and exams, as well as restorative procedures such as fillings, crowns, and even orthodontics, depending on the plan.

By offering a wide provider network, Unum makes it easier for members to find a local dentist who accepts their coverage. This is especially valuable for families or individuals who move frequently or live in different states.

👉 Learn more about Unum Dental Insurance plans.

How to Check Who Accepts Unum Dental Insurance

The easiest way to find out who accepts Unum Dental insurance is to use their online provider search tool. This portal lets you enter your ZIP code, city, or dentist’s name to check if they’re part of the network.

Here’s how it works:

1. Visit the Unum Provider Finder.
2. Select “Dental” as your coverage type.
3. Enter your ZIP code or city.
4. Review the list of dentists, specialists, and clinics in your area.

Many members also call their dentist directly and ask, “Do you accept Unum Dental insurance?” Since participation can vary by office, this is often the fastest way to confirm coverage.

Types of Dentists Who Accept Unum Dental Insurance

Unum’s network is extensive and covers a wide variety of dental providers, including:

• General Dentists – For cleanings, exams, fillings, and preventive care.
• Oral Surgeons – For wisdom tooth extractions, dental implants, and surgical procedures.
• Orthodontists – For braces or clear aligner treatments (depending on your plan).
• Periodontists – For gum disease treatment and advanced periodontal care.
• Prosthodontists – For crowns, dentures, and full mouth restorations.

This flexibility makes it much easier to manage both routine and advanced dental needs within your insurance network.

Why It Matters to Stay In-Network

One of the most important things to understand about Unum Dental insurance is the difference between in-network and out-of-network providers.

• In-network dentists have agreed to set pricing with Unum, which keeps costs lower for you.
• Out-of-network dentists may still accept Unum insurance, but you’ll likely pay more out of pocket.

For example, a crown that costs $1,200 at an out-of-network dentist might only cost $700 in-network. That’s a big difference over time, especially for families with ongoing dental needs.

Who Accepts Unum Dental Insurance Near You?

Since Unum’s network is so large, you’ll find dentists across major U.S. cities like:

• New York, NY – Hundreds of general dentists and orthodontists.
• Los Angeles, CA – A mix of family dental clinics and oral surgeons.
• Houston, TX – Strong availability of pediatric dentists and periodontists.
• Orlando, FL – Many practices offering both preventive and cosmetic care.
• Denver, CO – Dozens of group practices and solo providers.

👉 Try the Unum Dental Provider Directory to search your specific city.

Questions to Ask Your Dentist

When calling a new provider, here are a few questions that can help:

1. Do you accept Unum Dental insurance?
2. Are you considered in-network or out-of-network?
3. What procedures are covered, and what are my out-of-pocket costs?
4. Do you offer direct billing to Unum?
5. Are there any waiting periods for major treatments like crowns or implants?

Asking these upfront helps avoid surprise bills later.

Tips for Getting the Most from Your Unum Dental Plan

• Schedule regular checkups – Most Unum plans cover preventive visits at 100%.
• Use annual maximums wisely – Spread out major treatments if possible.
• Confirm coverage before procedures – Always check with both Unum and your provider.
• Look for family or bundled coverage – Families can often save by choosing bundled plans.
• Leverage online tools – The Unum portal lets you track claims and coverage in real time.

Final Thoughts

So, who accepts Unum Dental insurance? The answer is: thousands of dentists, specialists, and clinics across the U.S. The key is to check the provider directory or call your dentist directly to confirm coverage. Staying in-network will almost always save you money and make your dental care more affordable.

By taking the time to understand your plan and confirming who accepts Unum Dental insurance near you, you’ll avoid billing surprises and make the most of your benefits.

👉 Explore the Unum Dental Provider Portal to find a dentist today.