$5,000 max · 80% basic from day one · major rises to 50% in year two
Mutual of Omaha
~$90/mo · estimate
Estimated for the $5,000 tier · about $3/day · your exact price may vary by ZIP and effective date
Protects up to $5,000/yr in covered dental work, the joint-highest annual maximum on our shelf, with community-rated pricing that stays the same at any age.
$5,000 annual maximum80% basic, no waiting period15% Medigap bundle discount
Annual maximum
$5,000
Calendar-year plan. Your $5,000 maximum resets every January 1; the next reset is 01/01/2027.
Deductible
$50 / person
Annual deductible before plan benefits apply. In network preventive care has no deductible.
Waiting periods
None
All service types available from day one; major uses a reduced year-one benefit, not a wait
What the plan pays
Network: DenteMax Plus, more than 400,000 provider locations. You pay least in-network. Verify your dentist is contracted for this exact product.
Last checked June 24, 2026Figures illustrative until matched to your state's plan documentView sources
In short
What is Mutual of Omaha Dental Preferred?
Mutual of Omaha Dental Preferred is an individual PPO dental plan, underwritten by Mutual of Omaha Insurance Company and administered, at least in part, by TruAssure, with a high $5,000 dental annual maximum at about $90 a month for that tier. Preventive pays 100% and basic pays 80%, both from day one with no waiting period. Major work and implants are available immediately too, but at a reduced 20% in year one, rising to 50% from year two. It runs on the DenteMax Plus network of more than 400,000 locations. Pricing is community-rated, the same at any age. One perk no other plan in our comparison offers: if you also carry, or buy at the same time, a Mutual of Omaha Medicare Supplement policy, most states give a 15% discount for bundling the two. It does not cover orthodontics or whitening.
Are there waiting periods?
No hard waiting periods. Every service type, including major and implants, is available from day one. The catch is the reduced year-one benefit on major work, which pays 20% before rising to 50% in year two. Members replacing prior continuous coverage that was in force 12 or more months may have any reduced-benefit period waived; confirm with the carrier. See the glossary for how coinsurance and reduced benefits interact.
How does the year-one major benefit work?
Major work, including crowns, root canals, dentures and implants, can be done in year one, but the plan reimburses only 20% in that first year. From the second plan year the major rate climbs to 50%. This is the plan's main trade-off: strong basic coverage from day one, but limited reimbursement on big restorative cases until year two.
Why is the network worth noting?
The plan uses DenteMax Plus, with more than 400,000 provider locations, one of the largest dental networks in the country. That breadth makes the plan workable in rural, suburban and urban areas alike. In-network you pay the negotiated fee, which on a major case can be worth hundreds of dollars beyond the reimbursement difference.
Best for you if…
You want the highest annual maximum with stable pricing. A $5,000 max for about $90/mo, community-rated so it stays the same at any age.
You need fillings or basic work now. Basic pays 80% from day one with no waiting period.
You value a very broad network. DenteMax Plus spans more than 400,000 locations.
Skip it if…
You need major work paid well in year one. Year-one major reimbursement is only 20%.
You need orthodontics. Braces are not covered on this plan.
You need a confirmed next-day start. The exact effective date is not stated in every plan document.
When each benefit turns on
Your coverage begins on a schedule
There are no hard waits here. The thing that changes over time is the major reimbursement rate, not access. Here is how it rolls out.
Day one
Preventive at 100% and basic at 80%. Cleanings, exams, X-rays, fillings and simple extractions, in-network, from your effective date.
Day one
Major and implants available at 20%. The work is not blocked; year-one reimbursement is simply reduced.
Year two
Major and implants rise to 50%. If you can wait, a bigger case costs you much less the second year, and the $5,000 maximum stretches further.
A crown this year or next: what would you actually pay?
Pick the work you might need. We'll show the full cash price, your share after the plan pays, and how much of your $5,000 yearly maximum it uses. The toggle below sets year one (20% major) or year two (50% major). Prices shown are national examples; your dentist's fees set the actual number.
cash (without dental insurance) $5,000
cash (without dental insurance) $1,600
cash (without dental insurance) $400
cash (without dental insurance) $400
You save vs paying cash
$0
what this plan pays so you don't
Plan pays
$0
of $5,000 maximum
You'd pay
$0
incl. $50 deductible
Pick the work you might need to see what this plan saves you.
In year one, major work pays 20%; in year two it pays 50%. Use the toggle above to see how much the second year changes a crown or implant.
Full specs
The rest of the fine print
Carrier / underwriter
Underwritten by Mutual of Omaha Insurance Company; administered, at least in part, by TruAssure
Annual maximum
$5,000 (tiers also at $1,000 / $2,000 / $3,000)
Deductible
$50 per person (basic and major); $0 preventive; $150 family cap
Waiting periods
None; major uses a reduced year-one benefit
Network
DenteMax Plus, more than 400,000 locations
Vision / hearing bundle
Not included
Orthodontia
Not covered
Teeth whitening
Not covered
Implant lifetime cap
None; implants draw on the $5,000 annual maximum
Missing tooth clause
Applies to teeth lost before the policy effective date
Financial strength
AM Best A+ (Superior), confirmed April 2, 2026
Reimbursement basis
In-network contracted fee
There is no vision or hearing bundle on this plan, which keeps the premium low for a $5,000 cap. The major weakness is the 20% year-one rate; the plan delivers its full value starting in year two at 50%. See compare PPO dental plans for how it sits against the rest of the shelf.
Good to know
The fine print that changes the bill
Exact wording varies by state. Read your own plan's exclusions section to confirm.
Year-one major is only 20%
Crowns, root canals and implants reimburse just 20% in year one, then 50% from year two. Timing big cases for the second year matters a lot here.
No orthodontics or whitening
Braces, aligners and whitening are not covered on the standard plan. If ortho is the goal, you'll need a different product.
Missing tooth clause
Replacing a tooth that was lost before the policy started is excluded. Confirm any prior extractions against your start date.
State variations
Premium, the effective date and some implant rules differ by state. Confirm for your area; pricing may vary by ZIP.
Pull the official plan document for your state and match the coverage, the year-one and year-two major rates, and the exclusions on this page.
Confirm your dentist's network status on DenteMax Plus for this exact product. Check the directory and call the office to confirm.
Confirm the effective date and any state implant rules. Some state documents add a 6 to 12 month implant wait, so verify yours against your treatment timeline.
Confirm the tier and the prior-coverage waiver. This page describes the $5,000 maximum tier. If you held prior continuous coverage for 12 or more months, ask whether the reduced-benefit period is waived.
Yes, but with a catch. Implants are a major service at 20% in year one, rising to 50% from year two, and they carry a separate lifetime implant maximum of about $3,000 on Dental Preferred (about $2,000 on Dental Protection). That lifetime cap does not reset each calendar year, so you cannot put $5,000 of implant work through the annual maximum year after year. A standard missing tooth clause applies, and some state documents add an implant wait. Confirm the lifetime implant figure on your state's plan document. Read the implant guide
Are there waiting periods?
No hard waiting periods. Preventive (100%) and basic (80%) start day one, and major work is available day one too, just at a reduced 20% in year one before rising to 50% in year two. Members with prior continuous coverage of 12 or more months may have the reduced period waived; confirm with the carrier.
What is covered on day one?
Preventive care at 100% and basic care, such as fillings and simple extractions, at 80%. The 80% day-one basic rate with no waiting period is a real differentiator. Major work is also accessible day one, but reimburses 20% until year two.
What does it cost per month?
The $5,000 tier runs about $90 a month, with lower tiers at roughly $40 to $52. Premiums vary by state, ZIP and effective date, so we don't publish a single national price. The ~$90/mo used in our examples is illustrative.
Is there a discount for bundling with a Medicare Supplement plan?
Yes, and this is the plan's standout perk. In most states, if you already hold or buy at the same time a Mutual of Omaha Medicare Supplement (Medigap) policy, you get a 15% discount for bundling the two. No other plan in our comparison offers a multi-policy discount like this, which makes it especially attractive for retirees who already use Mutual of Omaha for Medigap. Confirm the discount and amount for your state at enrollment.
Which dentists accept this plan?
The plan runs on the DenteMax Plus network of more than 400,000 locations. You pay the least in-network. Participation varies by area and can change, so check the official directory and call the office to confirm before booking. Find dentists near you
Mutual of Omaha vs Humana Extend 5000?
Both carry a $5,000 annual maximum. Mutual of Omaha is cheaper, has no waiting periods, an 80% day-one basic rate and a 400,000-location network, but pays only 20% on major work in year one. Humana costs more and applies waits, but pays 50% on major from month six and bundles vision and hearing. One implant and patience favors Mutual of Omaha; a faster major start or the bundle favors Humana. See the Humana breakdown
Is this the $1,500 plan I read about in reviews?
Probably not. Mutual of Omaha sells several dental tiers; many third-party reviews describe a version capped at $1,500. This page describes the $5,000 maximum tier. Verify the tier name and cap on your actual quote before enrolling.
Is this an endorsement?
No. This is a breakdown and analysis, not endorsement. No carrier pays for placement.
Transparency
Sources & verification status
Coverage figures were checked against Mutual of Omaha and TruAssure plan documents on June 24, 2026. Exact terms still vary by state, ZIP, and effective date, so confirm your own plan document. Full provenance lives here.
Official sources
Mutual of Omaha Dental Preferred plan documents (download PDF)
Publisher: Mutual of Omaha Last Checked 2026-06-24Terms vary by state
2026-06-24Verified against Mutual of Omaha and TruAssure plan documents. Set the maximum to reset on a calendar-year basis (January 1), updated the $5,000-tier premium estimate to about $90/mo, and noted the community-rated pricing and the 15% discount for bundling with a Mutual of Omaha Medicare Supplement policy. Confirmed 20% year one to 50% year two on major work, no hard waiting periods, and the DenteMax Plus 400,000-location network.
2026-06-12Published with shelf-snapshot data flagged for verification.
NoteState-specific premium, effective date, and any implant wait still need confirmation for your ZIP.
CoverCapy is an independent educational marketplace. We are not an insurer, carrier, dentist, tax adviser or medical provider. Nothing here confirms a treatment is covered. Coverage depends on your exact policy, state, ZIP, effective date, network, exclusions, limitations and remaining benefits, all of which must be verified.
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