Dental Insurance

Berklee offers three dental insurance plans to eligible faculty and staff members, all of which are Delta Dental PPO Premier Plus plans. All plans include comprehensive prescription drug benefits.

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. Enrollment in any of these plans satisfies the federal and Massachusetts legal standards associated with enrollment in medical insurance.

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.

Low Option Summary

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.

Medium Option Summary

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.

High Option Summary

Comparing Dental Plans

	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