Two coverage options are available, the Dental Base Plan and the Dental Buy Up Plan. Both options cover three classes of reasonable and customary expenses: preventive, basic and major services, and the Buy Up Plan expands coverage to include orthodontics (up to $1,500 maximum lifetime benefit), lower deductible and higher annual maximum.
The dental plan utilizes 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.
Jump to: 2025 Dental Plans | 2024 Dental Plans
2025 Dental Plans
Costs
For a printable version, download the Plan Information and Comparison handout (386KB, PDF), which features a comparison chart and premium rates for the available insurance plans.
Click on a header to expand the selection and uncover additional information.
? Eligibility
Benefit-eligible faculty and staff may enroll and may cover elgible dependents.
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.
? Premiums
Monthly employee premium cost* for active employees:
Dental Base Plan
- Self only: $15.86
- Self and spouse: $31.72
- Self and child(ren): $38.49
- Self, spouse and child(ren): $54.35
Dental Buy Up Plan
- Self only: $28.83
- Self and spouse: $57.61
- Self and child(ren): $90.68
- Self, spouse and child(ren): $121.66
* 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.