High $5,000 maximumImplants included · 50%Coverage next business day
Annual maximum
$5,000
Most the plan pays per year
Deductible
$50 / person
You pay this first, once a year
Major wait
6 months
Preventive & basic from day one
What the plan pays
Network: Mutual of Omaha PPO (TruAssure) — administered via TruAssure; verify your dentist participates in this exact Mutual of Omaha / TruAssure network.
Last verified Jun 20, 2026Figures illustrative until matched to your state's plan documentView sources →
In short
What Mutual of Omaha Dental Preferred is, in one line
Mutual of Omaha Dental Preferred is a high-maximum individual PPO built for larger treatment plans: preventive at 100%, basic at 80% from day one, and major work plus implants at 50% after waiting periods, all under a generous $5,000 annual maximum. It does not cover orthodontics.
Is the $5,000 maximum worth it?
Yes, if you expect implants or multiple crowns. A single crown can run $1,000–$1,500 and an implant case several thousand, so a $5,000 cap leaves room for more than one major procedure in a year. If you only need preventive or basic care, a lower-maximum plan is usually the better value.
Does it cover implants?
Yes — implants are covered at 50% after a 12-month waiting period, drawing against the same $5,000 maximum. Watch for a missing-tooth clause, and confirm the exact terms on your state's plan document.
What is the TruAssure network?
TruAssure is the network that administers Mutual of Omaha dental coverage. Verify your dentist participates in that exact Mutual of Omaha / TruAssure network — not just "Mutual of Omaha" generally — before you enroll. You can check unfamiliar terms in our dental insurance glossary.
See your exact price for your area
We don't show a national price as if it applied everywhere. Enter your ZIP for area-specific pricing and availability — free, no account.
Best for you if…
You have a large treatment plan — multiple crowns or an implant case.
You want a high $5,000 cap that won't max out on one procedure.
You value the shorter 6-month major wait over a 12-month one.
Skip it if…
You only want preventive or basic — you'd pay for an unused maximum.
You need orthodontics — braces and aligners aren't covered here.
You need an implant in under 12 months — that wait is longer.
When each benefit turns on
Your coverage unlocks on a schedule
Your effective date isn't the same as when the plan pays toward a crown or implant. Here's the countdown.
Next business day
Preventive at 100% and basic at 80%. Cleanings, exams, routine X-rays, fillings and simple extractions, in-network, with no waiting period.
+6 months
Major unlocks at 50%. Crowns, bridges and dentures — a shorter wait than many individual plans.
+12 months
Implants unlock at 50%. The sooner you start, the sooner the clock runs out — implant work started before this date generally isn't reimbursed.
A big treatment plan — what would you actually pay?
Tick what you might need. We'll show cash price vs. your share, and how fast it draws down your $5,000 maximum. Illustrative national prices — your dentist's fees decide the real number.
cash $4,000
cash $2,400
cash $2,500
cash $300
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
Tick what you might need to see what this plan saves you.
With major work after its 6-month wait, the plan covers about half — and the high $5,000 maximum leaves plenty of room for more.
Full specs
The rest of the fine print
Teeth whitening
Not covered
Orthodontics
Not covered
Vision bundle
No
Age eligibility
No age cap
Implant waiting period
12 months
Missing-tooth clause
Likely — confirm on policy
Frequency limits
e.g. 2 cleanings/yr; 1 crown per tooth every 5–7 yrs
Reimbursement basis
TruAssure in-network contracted fee
Good to know
The fine print that changes the bill
Exact wording varies by state — read your own plan's exclusions section.
No orthodontics
Braces and aligners aren't covered for adults or children — budget separately or compare a plan with an ortho benefit.
Implant 12-month wait
Implants pay 50% only after 12 months — longer than the 6-month major wait. Work started before then generally isn't reimbursed.
TruAssure network nuance
This plan is administered via TruAssure. Confirm your dentist participates in the exact Mutual of Omaha / TruAssure network — not just "Mutual of Omaha."
State variations
Premium, coinsurance, waiting periods and availability differ by state — confirm for your ZIP.
So the moving parts are visible. Illustrative midpoints, not a quote.
Enroll today, get an implant + crown (~$4,000) after the wait, plus routine cleanings.
Premiums~$90/mo × 12$1,080
Deductibleonce, before major coinsurance$50
Implant + crown — your 50% shareof ~$3,950 after deductible$1,975
Cleanings & examspreventive, 100%$0
Illustrative first-year outlay~$3,105
Assumes an in-network TruAssure dentist, the implant after its 12-month wait and the crown after the 6-month wait, no missing-tooth reduction, ~$90/mo premium (varies by ZIP). The $5,000 maximum comfortably covers this case. Run your own numbers →
Enroll safely
Four checks before you commit
Pull the official plan document for your state and match the coverage, waits and exclusions on this page.
Confirm your dentist's network status for the exact Mutual of Omaha / TruAssure network — directory and a phone call.
Check the effective date and waiting periods against your treatment timeline — 6 months for major, 12 for implants.
Get the treatment classification in writing — "basic" vs "major" changes the wait and your share.
Yes — implants show 50% after a 12-month wait, with a high $5,000 maximum to draw against. A missing-tooth clause may exclude teeth lost before the policy began; confirm both on your state's document. Compare implant plans →
How long until major work is covered?
Major work (crowns, bridges, dentures): 6 months — shorter than many plans. Implants: 12 months. Preventive and basic: from the next business day, no wait.
What does it cost per month?
Premiums vary by state, ZIP and effective date, so we don't publish one national price. The ~$90/mo used in the example is for math only — enter your ZIP for an area price.
How much does Mutual of Omaha Dental Preferred cost per month?
It depends on your state, ZIP and effective date, so there is no single national price. The ~$90/mo figure on this page is illustrative — used for the math examples only. Enter your ZIP above for an area-specific price and availability.
Which dentists accept the Mutual of Omaha / TruAssure network?
This plan is administered through the TruAssure network. Many — but not all — dentists participate, and a provider can be in some networks and not this one. Confirm your dentist is listed in the exact Mutual of Omaha / TruAssure network using the carrier directory and a quick phone call before you enroll. Find Mutual of Omaha dentists near me →
Mutual of Omaha Dental Preferred vs Humana Extend 5000?
Both carry a $5,000 annual maximum. Mutual of Omaha Dental Preferred is dental-only with a shorter major waiting period, while Humana Extend 5000 bundles vision and reaches 60% on major work in its second year. The better fit depends on whether you want vision added or value the shorter wait — verify both against your state's documents. See the Humana Extend 5000 breakdown →
Is this an endorsement?
No. This is an independent review — breakdown and analysis, not endorsement. No carrier pays for placement.
Transparency
Sources & verification status
Figures are an editorial hypothesis from a comparison-shelf snapshot until matched to a current official document for your state. Full provenance lives here.
Official sources
Mutual of Omaha — Dental insuranceneeds verification
2026-06-20Published with shelf-snapshot data flagged for verification.
PendingMatch each fact to a current Mutual of Omaha / TruAssure document for a defined state, then confirm.
CoverCapy is an independent educational marketplace and concierge layer — 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.
Next step
Verify this exact plan — free
We confirm coverage, waits and your dentist's network for your ZIP.
CoverCapy is an independent marketplace — no carrier pays for placement, and "review" here means an objective breakdown, not an endorsement. Figures are checked against carrier sources, dated, and re-reviewed on a schedule; always confirm your exact plan against your state's official document before enrolling.
