Dental Insurance

Cost and coverage

Premiums

The university pays the full cost for employee dental coverage. Employees may purchase family dental insurance for spouses and eligible dependents. The cost for family dental insurance is paid by the employee through payroll deduction. 

2025 Rates

*University paid portion for 2025 will be updated after actuarial analysis is completed. No Rate change for Employee paid portion

Coverage	University pays	Employee pays	Total cost
Employee only	$40.30	0	$40.30
Employee + spouse	$53.35	$27.25	$80.60
Employee + child(ren)	$82.11	$21.22	$103.33
Employee + family	$100.86	$42.78	$143.64

2025 Services covered

2025 Benefits: Covered charges are based on usual, customary and reasonable billed rates and consist of four types of service:

• Type I/ Class A – Preventive Services, are paid at 100 percent with no deductible.
• Type II/ Class B – Basic Restorative Services, are paid at 80 percent with a $50 deductible.
• Type III/ Class C – Major Restorative and Prosthodontics Services, are paid at 50 percent with a $50 deductible.
• Type IV/ Class D – Temporomandibular Joint Dysfunction (TMJ), are paid at 50 percent with a $50 deductible.
• Type V/ Class E- orthodontia and implants

2025 Limits and exclusions

• Deductible for Classes B - D is $50 individual or $150 family
• Deductible for Class E is $50 individual or $150 family
• The university’s dental insurance plan will pay a maximum of $3,000 per covered person in a calendar year
• See plan document for full plan coverage and limitations

Declining coverage

You may decline the university’s dental coverage. If you decline it for yourself, you are also declining coverage for your family members. Declining the dental coverage does not result in a payment or increase in your salary in lieu of coverage.

How to use this benefit

Make an appointment with an approved provider and they take care of the rest.

Enrolling and making changes

You must enroll and select dependent coverage within 31 days of your start date. Premiums are paid monthly in advance (example: coverage starts on July 1, the premium will be deducted from your June payroll).

Changes can be made annually during Open Enrollment or within 31 days of a qualifying event (e.g., marriage, divorce, birth, or loss/gain of coverage) with supporting documentation. Changes take effect the first of the month after documentation is received, except for birth-related changes. Contact Human Resources for details.

Qualifying life event change form

Providers

Dental Network: To find providers, call (877) 277-6872 or search the dental directory option on www.gehasolutions.com

Employees may use any provider but discounts are available through these network providers and additional dental providers as contracted by Med-Pay. See below for reference:

Direct Contract Providers

Med-pay Direct Contract Dental Provider List

Claims

Med-Pay administers the dental program and handles claims. A dental claim form can help you obtain estimates or submit services for payment.

Forms and publications

Forms

• Dental claim form

Publications

• Dental plan SPD
• 2025 Dental Benefits
• Frequently asked Questions
• Dry Mouth tips
• Early Childhood Practices
• Flossing
• Flouride
• Nutrition
• Toothbrushing

Policy

• G7.02-6.1.2 Dental Benefits