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:
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: