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Dental Insurance

Oral health is an important component of overall health and well-being. Most dental problems are preventable. Proactive 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.

Macalester employees with a 0.50 FTE or higher are eligible for coverage.  Employees may add spouses, registered domestic partners, dependent children up to age 26, as well as other legal dependents.  All plan participants must have the same level of coverage, either the Preventive Plan or the Comprehensive Plan.

  • Network Information

    You can choose any dentist you would like.  However, under the dental plans, cost coverage is based on whether your dentist is a Delta Dental PPO, Delta Dental Premier, or Out-of-Network participating dentist.

    • “Delta Dental PPO” and “Delta Dental Premier” are networks of providers within Delta Dental.  A provider in one of these networks will provide care typically to the full cost benefit allowed under the plan (lower cost to you).
    • “Out-of-Network” coverage allows you to see any dentist of your choosing, however at a lower cost benefit level (higher cost to you).
    • To review your dentist’s participation level, visit the Delta Dental website and select Find a Dentist.

  • Plan Coverage Summaries

    Preventive Dental

    The Preventive Plan incorporates the most basic level of dental care.  Semi-annual cleanings and annual x-rays are included, as well as some sealants.  This is ideal for people who have few or no dental/oral health concerns or issues.  There is no maximum coverage amount per year.

    Service/Feature PPO Delta Premier Out of Network
    Annual Max 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%

    Comprehensive Dental

    The Comprehensive Plan is the more traditional plan.  It includes the same benefits as the Preventive Plan, but also includes additional services and coverage, such as fillings, extractions, prosthetics, and orthodontia.  This is ideal for people with more complex dental/oral health concerns or issues.  There are maximum coverage amounts per covered person per year, based on the network utilized.

    Service/Feature PPO Delta Premier Out of Network
    Annual Max Benefit $2,000 $1,500 $1,000
    Annual Deductible
    Not applicable to preventive and diagnostic
    $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 75% Covered at 50% Covered at 50%
    Prosthetics
    Dentures, bridges, implants
    Covered at 50% Covered at 50% Covered at 0%
    Major Restoratives
    Crowns and crown repairs
    Covered at 50% Covered at 50% Covered at 0%
    Orthodontics
    $1,000 lifetime maximum
    Covered at 50% Covered at 50% Covered at 0%

    The above tables are summaries only.  The Certificate of Coverage will be used in case of error and for all claims processing.

  • Plan Premiums

    Coverage Level  Preventive  Comprehensive
    Employee $4.40 $20.00
    Employee + 1 $12.60 $49.20
    Employee + 2 or more $21.00 $84.00

    Please note that these are the monthly rates and may be distributed across bi-weekly payrolls.

    The above table is a summary only.  The Certificate of Coverage will be used in case of error and for all claims processing.

  • Resources
  • Plan Documents