Excerpt from: University of Delaware Policies and Procedures Manual, Section: Personnel
The University provides dental insurance for eligible full-time and part-time employees and their families. This plan is a component of the flexible benefits program, with options as follows:
The University pays the entire cost of this program for full-time employees and their eligible family members enrolled in the program. Part-time employees with work schedules of less than 75% time (and 50% or more) receive a pro-rated University contribution and pay the cost remaining through pre-tax payroll deductions.
|Service Categories||Service Examples||Coverage||Annual Deductible||Maximum Benefit|
|Preventative*||Exams,cleanings, cleanings, x-rays, flouride treatments, sealants||100%||None||$1, 750/person annually|
|Basic Restorative Care||Fillings, simple extractions, oral surgery and periodontal treatment||80%**||$25/person or $75/family|
|Major Restorative Care||Crowns, bridges, dentures, implants||50%**|
|Orthodontic diagnostics, appliance therapy||50%**||None||$1,750/person lifetime|
*One exam/cleaning per 6 month period.
**Of Participating Dental Providers (PDP) Fee when used In-Network; of Reasonable & Customary (R&C) charge when used out-of-network.
The coverage you choose for dental may differ from your medical coverage. For example, you have "employee only" medical and "employee and spouse/same-sex domestic partner" dental.
The University offers the MetLife Preferred Dentist Program (PDP) as a way to reduce your dental costs. If your dentist participates in the program, he/she contracts with MetLife to charge reduced fees for certain services. This translates into lower out-of-pocket expenses for you.
The Preferred Dentist Program allows you to select a participating dentist for any expenses (including orthodontia) at the time service is needed. Remember that the MetLife PDP is a voluntary option within the University's Dental Expense Assistance Plan. It is your choice to use a "participating" or "non-participating" dentist.
Keep in mind, you can also use the health care FSA for dental expenses--regardless of whether you elect or waive coverage. For example, if you choose dental coverage, you can use the health care FSA to pay for the remaining costs of dental services not totally covered by your dental plan. If you decline coverage, you can use the FSA to pay for all dental expenses you incur during the plan year. You need to decide which combination of options makes more sense for your situation.
If you choose the "waive" option you will receive $100/year in UDollars instead of dental coverage.
For more information: