Oral health is an important component of overall health and well-being.  Most dental problems are preventable.  Preventive care, including regular check-ups and cleanings, is the key to maintaining good oral health.  Problems can be diagnosed early and treated without extensive testing or elaborate and expensive procedures.  Additionally, regular dental check-ups may surface other health issues.  Macalester offers two dental insurance plan options through Delta Dental.

Rates & Plan Design

Note: The following tables are provided as a summary only. The certificate of coverage will be used in case of error and for all claims processing. The program pays up to the maximum for each covered person per coverage year subject to the coverage percentages.

Option 1: Preventative Dental

Eligible employees can elect Preventative Dental Insurance through Delta Dental. All participants must be covered by the same dental insurance. Covered services are listed below along with monthly insurance rates.

SERVICE/FEATURE PPO DELTA PREMIER OUT OF NETWORK
ANNUAL MAXIMUM BENEFIT Unlimited Unlimited Unlimited
ANNUAL DEDUCTIBLE $0 $0 $0
DIAGNOSTIC & PREVENTIVE
Exams, cleanings, x-rays, sealants
Covered at 100% Covered at 100% Covered at 100%

Note: The above table is a summary only. The certificate of coverage will be used in case of error and for all claims processing. The program pays up to the maximum for each covered person per coverage year subject to the coverage percentages.

Option 1: Preventative Dental Employee Premiums

Rates Shown per Month
Coverage LevelMonthly Rate
Employee $3.19
Employee + 1= $9.58
Employee + 2 or more $14.93

 

Option 2: Comprehensive Dental

Eligible employees can elect Comprehensive Dental Insurance through Delta Dental. All participants must be covered by the same dental insurance. Covered services are listed below along with monthly insurance rates.

Service/FeaturePPODelta PremierOut of Network
Annual Max Benefit $1,500 $1,250 $1,000
Annual Deductible $0/person;
$0/family
$25/person;
$75/family
$50/person;
$150/family
DIAGNOSTIC & PREVENTIVE
Exams, cleanings, x-rays, sealants
Covered at 100% Covered at 100% Covered at 100%
BASIC SERVICES
Fillings
Emergency treatment for pain
Covered at 80% Covered at 50% Covered at 50%
Endodontics, Periodontics
Root canals
Covered at 75% Covered at 50% Covered at 50%
Oral Surgery,
Extractions
Covered at 50% Covered at 50% Covered at 0%
PROSTHETICS & REPAIRS
Dentures, bridges, implants
Covered at 50% Covered at 50% Covered at 0%
MAJOR RESTORATIVES
Crowns
Covered at 50% Covered at 50% Covered at 0%
Orthodontics
$1,000 lifetime maximum
Covered at 50% Covered at 50% Covered at 0%

Note: The above table is a summary only. The certificate of coverage will be used in case of error and for all claims processing. The program pays up to the maximum for each covered person per coverage year subject to the coverage percentages.

Option 2: Comprehensive Dental Employee Premiums

Rates Shown per Month
Coverage LevelMonthly Rate
Employee $24.15
Employee + 1 $52.44
Employee + 2 or more $84.00

For More Information

Related Benefit Forms