Dental Insurance

Updated January 1, 2016

You are eligible to enroll in one of three Delta Dental PPO Premier Plus plans. For most eligible faculty and staff, Berklee subsidizes the cost of coverage by paying 65 percent of the premium, while you pay the remainder through pre-tax payroll deductions via Berklee's Section 125 Cafeteria Plan.

Delta Dental Option I: Low Option

This plan provides coverage for preventive services at 100 percent (deductible is waived) and for basic services at 80 percent after a $25 deductible per individual or a $75 deductible per family per year. Each covered member is eligible to receive up to $750 in benefits per calendar year. There is no coverage for major services or for orthodontic services through this plan.

Delta Dental Option II: Medium Option

This plan provides coverage for preventive services at 100 percent (deductible is waived), for basic services at 80 percent, and for major services at 50 percent. Basic and major services are covered after a $25 deductible per individual or a $75 deductible per family per year. Each covered member is eligible to receive up to $1,000 in benefits per calendar year. There is no coverage for orthodontic services through this plan.

Delta Dental Option III: High Option

This plan provides coverage for preventive services at 100 percent (deductible is waived), for basic services at 80 percent, for major services at 50 percent, and for orthodontic services at 100 percent. Basic and major services are covered after a $25 deductible per individual or a $75 deductible per family per calendar year. Each covered member is eligible to receive up to $2,000 in benefits per year. Orthodontic coverage is available for members of any age with coverage subject to a lifetime maximum of $2,000 per covered member.

Dental Plan Comparison

 

Delta Dental
$750 Plan
Group #000319-9901

Delta Dental
$1,000 plan
Group #000319-9902

Delta Dental
$2,000 plan

Group #000319-9903

Annual Deductible

$25 per person
$75 per family
$25 per person
$75 per family
$25 per person
$75 per family
Preventive Care Covered at 100% Covered at 100% Covered at 100%
Basic Services Covered at 80% after deductible Covered at 80% after deductible Covered at 80% after deductible
Major Services Covered at 80% Covered at 80% or 50% Covered at 80% or 50%
Calendar Year Maximum $750 per person $1,000 per person $2,000 per person

Orthodontic Services

No coverage No coverage Covered at 100% of plan allowance
Orthodontic Lifetime Maximum No coverage No coverage $2,000 separate lifetime

Dental Insurance Tips

  • By going to a Delta Dental participating dentist, you can save money when compared to what a nonparticipating dentist will charge.

  • If you see a dentist who does not participate with Delta Dental, you may owe the difference between Delta’s payment and the amount charged by the dentist.

  • If you are unsure how Delta Dental may cover a service, have your dentist submit a “predetermination of benefits” request to Delta. This will allow you to see how much the insurance plan will pay and how much you may owe before starting a costly procedure.