2019 DENTAL PLANS
There are two dental plans available to "Regular Full-Time" employees through Delta Dental of Michigan. They are:
- Core Dental Plan
- Enhanced Dental Plan
OPTION 1: CORE DENTAL INSURANCE PLAN, DELTA DENTAL OF MICHIGAN
The Core Dental Plan is an Employer paid benefit provided to you at no cost. The Core Dental Plan pays 100% of reasonable & customary charges for teeth cleaning, dental exams, and X-rays, twice per calendar year. The Core Plan has no deductibles or co-pays.
OPTION 2: ENHANCED DENTAL PLAN, DELTA DENTAL OF MICHIGAN
The Enhanced Dental Plan pays 100% of reasonable & customary (R&C) charges for cleaning, exams and X-rays, twice per year. Additionally, the Plan pays 75% of reasonable and customary charges for basic treatment such as fillings, crowns, and oral surgery, along with 50% of reasonable and customary charges for major treatment such as bridges and dentures. Under this plan there is a calendar year deductible of $50 per individual or $150 per family. There is an annual maximum of $1,200 per person per year. The Enhanced Plan also includes an orthodontia benefit that pays 50% of the cost, not subject to deductible, with a $1,500 per person lifetime maximum.
An employee may opt-out of dental coverage plans, however, the employee is required to present documentation to Human Resources that verifies they are covered under another plan provided by a spouse or parent. Once the Human Resources Department has verified the employee's coverage, the employee will receive a bi-weekly opt-out credit of $2.50.
Dental ID Card NOT Required
With Delta Dental there is no need for presentation of an ID card. Just advise your provider that you have Delta Dental Insurance coverage. You may be asked to provide your Social Security number at the time of your dental appointment in order to verify your coverage.