Dental Insurance

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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

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

2026 Rates

Coverage University pays Employee pays Total cost
Employee only $44.32 0 $44.32
Employee + spouse $61.39 $27.25 $88.64
Employee + child(ren) $92.42 $21.22 $113.64
Employee + family $115.19 $42.78 $157.97

2025/2026 Services covered

Covered Services 🪥

Covered charges are based on usual, customary, and reasonable billed rates. Services are grouped into five types:

  • Type I / Class A – Preventive Services: Paid 100%, no deductible
  • Type II / Class B – Basic Restorative Services: Paid 80%, $50 deductible
  • Type III / Class C – Major Restorative & Prosthodontics: Paid 50%, $50 deductible
  • Type IV / Class D – TMJ Services: Paid 50%, $50 deductible
  • Type V / Class E – Orthodontia (children ≤19) & Implants: Paid 50%, $50 deductible

2025 Limits and Deductibles🦷

  • Deductible for Classes B–D: $50 individual / $150 family
  • Deductible for Class E: $50 individual / $150 family
  • Maximum annual benefit per covered person: $3,000

Note 📄: See the full plan document for complete coverage details, limitations, and exclusions.

Enroll & Make Changes ✅

  • Deadline: Within 31 days of your start date
  • Premiums: Paid in advance (e.g., coverage starts July 1 → deducted from June paycheck)
  • Making Changes:
    • During Open Enrollment, or
    • Within 31 days of a qualifying life event (marriage, divorce, birth, coverage change)
    • Most changes take effect the first of the month after documentation (except births)

      Qualifying Life Event Change Form

📞 Questions? Contact Human Resources.

Declining Coverage ❌

  • You may waive MSU coverage and use the Health Insurance Marketplace
  • Re-enroll only during Open Enrollment or within 31 days of a qualifying life event
  • Important: Waiving coverage does not increase your salary

Providers🦷

Use any provider, but discounts are available through network providers or additional dentists contracted by Med-Pay.

Find a Provider: Call 877-277-6872 or search the Dental Directory at www.gehasolutions.com.

Direct Contract Providers: See the Med-Pay Direct Contract Dental Provider List for reference.

Forms and publications

Forms

Publications

Policy

Contact information

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