Dental Insurance Plan

Excerpt from: University of Delaware Policies and Procedures Manual, Section: Personnel

The University provides dental insurance for eligible full-time and grandfathered part-time employees and their families. This plan is a component of the flexible benefits program, with options as follows:

  • Employee only
  • Employee and spouse/civil union spouse
  • Employee and Dependent child(ren)
  • Coverage--Family
  • Waive

The University pays the entire cost of this program for full-time employees and their eligible family members enrolled in the program. Grandfathered 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.

If you choose the "waive" option you will receive $100/year in UDollars instead of dental coverage.

For more information: