Dental

Dental

Save money on dental care for you and your family with dental insurance.

  • Overview

    Provided by Unum Dental, dental insurance can help reduce the cost of dental treatment.

  • Cover details

    You can cover your spouse or partner and unmarried dependent child(ren) (including legally adopted children or stepchildren) under the age of 21 or under the age of 24 if in full-time education.

    See what you pay for care based on the levels of cover* available with this insurance.

    A&E Radiant 1 Radiant 2 Radiant 3 Radiant 4 Radiant 5
    NHS 100% NHS dental cover Yes Yes Yes Yes Yes Yes
    Preventative
    Examinations (two per policy year) N/A 100% NHS £30 each £40 each £60 each £70 each
    Scaling with the dentist or hygienist (two per policy year) N/A 100% NHS £40 each £50 each £80 each £90 each
    X-rays (annual limit) N/A 100% NHS £30 £40 £60 £70
    Minor Treatment
    Fillings and root canal treatments (FRCT) (annual limit) N/A 100% NHS £150 £250 £300 £350
    Other treatment — defined below1 (annual limit) N/A 100% NHS £50 £75 £100 £125
    Extractions (annual limit) N/A 100% NHS £125 £175 £225 £250
    Major Treatment Implants (levels four and five only), crowns, bridges and dentures (including posts, temporary fittings, re-fix/re-cement and repairs), inlays and veneers2 (annual limit) N/A 100% NHS 80% up to £275 80% up to £450 80% up to £575 80% up to £2,000
    Additional Benefits
    Child orthodontics (annual limit)3 N/A 100% NHS £325 £375 £450 £550
    Mouthguards (annual limit) N/A 100% NHS £50 £55 £60 £65
    Emergency call out charge4 £1,000 100% NHS £75 each £100 each £125 each £150 each
    Overnight hospital stay (excluding ROI) (per night)4,5 £60 100% NHS £50 £75 £100 £125
    Accident/injury treatment (annual limit)5 £10,000 N/A £4,000 £5,000 £6,000 £7,000
    Personal Protective Equipment (PPE) (annual limit) £50 £50 £50 £50 £50 £50
    Mouth cancer £20,000 £20,000 £20,000 £20,000 £20,000 £20,000

    *We will not cover cosmetic treatment, mouth cancer which existed prior to joining the plan, any treatment not listed in the schedule, prescription fees or treatment carried out before your cover starts and after your cover ends.

    1Other treatment is defined as periodontal treatment, stoning/smoothing, fissure sealants, study models, sensitive cementum, pins and dressings.

    2Veneers require prior approval before treatment.

    3Insured children only.

    4£1,000 annual maximum.

    5Please refer to the Unum dental policy for A&E plan exceptions.

  • Costs

    See what you pay each month based on the level of cover you choose.

    A&E Radiant 1 Radiant 2 Radiant 3 Radiant 4 Radiant 5
    You £4.26 £10.63 £16.83 £24.39 £30.88 £44.55
    You + Spouse or Partner £8.52 £21.26 £33.66 £48.78 £61.76 £89.10
    You + Child £8.52 £21.26 £33.66 £48.78 £61.76 £89.10
    You + Family £12.78 £31.89 £50.49 £73.17 £92.64 £133.65

  • Making a claim

    You have the option to visit any dentist you’d like, and you do not have to gain prior approval before starting treatment (unless you’re claiming for a veneer). To learn more and see how much you’re entitled to claim, submit a claim online or by email with the steps below.

    Make a Claim Online

    1. Ask for an itemised receipt from your dentist which contains a full description of your treatment and costs.

    2. Go to the Unum website and log in using your Unum Dental username and password.

    3. Enter your treatment details, upload a scan or photo of your receipt and click “Submit.”

    Make a Claim by Email

    1. Download a claim form.

    2. Fill in page 1 of the claim form and ask your dentist or the receptionist to complete page 2. If you’re unable to have page 2 completed at your dentist, please obtain an itemised receipt and attach it to your claim form.

    3. Attach your proof of payment and email it to dentalclaims@unum.co.uk, or you can submit your claim by post using the details provided on the claim form.

  • Important reminder about subletting claims

    • To ensure your claim is processed as quickly as possible, please include details of your treatment, your dentist’s details and proof of payment.

    • Unum cannot process any claim without proof of payment.

    • You must submit claims within 12 months of the completion of your last treatment in any course. Unum reserves the right not to pay any claims submitted after 12 months.

    Leaving Iron Mountain?

    If you voluntarily leave Iron Mountain, you can keep your cover with Unum. Go to the Unum website within 30 days of your leave date to learn more.

    Additional Resources

    Additional Treatment and Cover Details

Disclaimer

© 2024 Iron Mountain Incorporated. All Rights Reserved. This website is not intended to replace the Summary Plan Documents that provide further details on Iron Mountain medical, dental, vision, Flexible Spending Account (FSA), retirement, disability, Life, Accidental Death & Dismemberment (AD&D) and any additional plans available to you. This site is a brief synopsis of key features of your available benefits plans. It's intended to help you use these plans effectively and alert you to actions or situations that could limit the benefits you and your eligible dependents might receive. Refer to the Summary Plan Documents for exact terms and conditions of coverage. If any conflict arises between this site and the official Plan Documents, the terms of the actual Plan Documents or other applicable documents will govern. Iron Mountain reserves the right to change, modify or terminate the plans at any time. This website isn't a contract for purposes of employment or payment of benefits.

Certain employees subject to a collective bargaining agreement are only eligible to participate in certain benefits to the extent provided in the applicable collective bargaining agreement.

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