Dental insurance

Coverage for dependents

Dependents may include:

• Spouse or Sponsored Adult Dependent of an employee
• A child of an employee who is younger than 26 years of age
• A child of an employee over the age of 26 who is mentally or physically incapable of self-sustaining employment and meets other plan requirements
• Child for whom health care coverage is required through a Qualified Medical Child Support Order or other court/administrative order.

You should ensure you understand the details of your status by accessing the Summary Plan Description (SPD) for the insurance plan and reading the full definition.

Monthly employee premium cost* for active employees:

Dental Base Plan

• Self only: $15.53
• Self and spouse: $31.05
• Self and child(ren): $37.68
• Self, spouse and child(ren): $53.21

Dental Buy Up Plan

• Self only: $26.18
• Self and spouse: $52.30
• Self and child(ren): $82.85
• Self, spouse and child(ren): $111.04

* Premiums for faculty on a nine-month contract paid over nine months are different. For more information, visit the Premiums for 9-month faculty paid over 9 months webpage. Premiums for retirees vary according to a formula based on years of service and other factors. For more information about retiree insurance eligibility and premiums, visit the Retiree benefits overview webpage.

Both the Base Plan and the Buy Up plan offer coverage for three classes of reasonable and customary expenses: preventive, basic and major services. Reimbursements are limited to fees determined to be reasonable and customary.

• Preventive services- Preventive care for routine oral exams, cleaning, x-rays, sealants and flouride:
  • 100% (no deductible)
• Basic services- Basic care for treatments such as fillings, oral surgery and extractions:
  • 80% after annual deductible
• Major services- Major treatment such as bridgework, dentures and crowns:
  • 50% after annual deductible

For the Dental Buy Up Plan only, orthodontics are also covered:

• Orthodontia services- Treatments such as those for alignment and occlusion of the teeth and jaws:
  • 50% (no deductible) up to lifetime maximum

Base Plan

• Self: $100
• Family: $300

Buy Up Plan

• Self: $50
• Family: $150

The dental plan utilizes a passive network. You may receive services from network providers or non-network providers. Therefore, there is no difference in the annual deductibles for in-network and out-of-network services.

Dental Base Plan

Base Plan coverage has a maximum annual benefit of $1,500 for each individual enrolled in the plan. This cap is for preventive, basic and major care combined.

Dental Buy Up Plan

The Dental Buy Up Plan has a maximum annual benefit of $2,000 for each individual enrolled in the plan. This cap is for preventive, basic and major care combined. Additionally, this plan has an orthodontia lifetime maximum of $1,500 for each covered individual, including eligible adults and children.

The University dental plans utilize a passive network, which means you have the ability to receive services from network or non-network providers. No matter your provider, your deductible and coinsurance remain the same as long as charges are reasonable and customary. However, using either of Delta Dental’s two networks, PPO or Premier, may help you achieve more affordable services. The Delta Dental PPO Network offers the lowest negotiated services, often resulting in the greatest savings.

Provider directories may be accessed on the plan contacts webpage.

Visit the health and wellness tools and discounts webpage to maximize your convenience and savings.

Monthly employee premium cost* for active employees:

Dental Base Plan

• Self only: $15.53
• Self and spouse: $31.05
• Self and child(ren): $37.68
• Self, spouse and child(ren): $53.21

Dental Buy Up Plan

• Self only: $22.46
• Self and spouse: $44.89
• Self and child(ren): $72.13
• Self, spouse and child(ren): $96.44

* Premiums for faculty on a nine-month contract paid over nine months are different. For more information, visit the Premiums for 9-month faculty paid over 9 months webpage. Premiums for retirees vary according to a formula based on years of service and other factors. For more information about retiree insurance eligibility and premiums, visit the Retiree benefits overview webpage.

Both the Base Plan and the Buy Up plan offer coverage for three classes of reasonable and customary expenses: preventive, basic and major services. Reimbursements are limited to fees determined to be reasonable and customary.

• Preventive services- Preventive care for routine oral exams, cleaning, x-rays, sealants and flouride:
  • 100% (no deductible)
• Basic services- Basic care for treatments such as fillings, oral surgery and extractions:
  • 80% after annual deductible
• Major services- Major treatment such as bridgework, dentures and crowns:
  • 50% after annual deductible

For the Dental Buy Up Plan only, orthodontics are also covered:

• Orthodontia services- Treatments such as those for alignment and occlusion of the teeth and jaws:
  • 50% (no deductible) up to lifetime maximum

Base Plan

• Self: $100
• Family: $300

Buy Up Plan

• Self: $50
• Family: $150

The dental plan utilizes a passive network. You may receive services from network providers or non-network providers. Therefore, there is no difference in the annual deductibles for in-network and out-of-network services.

Dental Base Plan

Base Plan coverage has a maximum annual benefit of $1,500 for each individual enrolled in the plan. This cap is for preventive, basic and major care combined.

Dental Buy Up Plan

The Dental Buy Up Plan has a maximum annual benefit of $2,000 for each individual enrolled in the plan. This cap is for preventive, basic and major care combined. Additionally, this plan has an orthodontia lifetime maximum of $1,500 for each covered individual, including eligible adults and children.

The University dental plans utilize a passive network, which means you have the ability to receive services from network or non-network providers. No matter your provider, your deductible and coinsurance remain the same as long as charges are reasonable and customary. However, using either of Delta Dental’s two networks, PPO or Premier, may help you achieve more affordable services. The Delta Dental PPO Network offers the lowest negotiated services, often resulting in the greatest savings.

Provider directories may be accessed on the plan contacts webpage.

Visit the health and wellness tools and discounts webpage to maximize your convenience and savings.