The University offers a number of dental plans; some are designed to save you money and others are designed to give you more options.
This page includes resources to help you decide which plan is the best choice for you and your family. When you choose a plan, make sure your dentist is included in that plan’s network by checking the plan’s website or calling their helpline.
- Which Dental Plans Are Available to You?
- Choosing a Plan
- Resources to Help You Make Your Decision
- What is the Cost Each Pay Period?
- How do I Enroll in Dental Coverage?
- Using Your Dental Plan
Which Dental Plans Are Available to You?
The University offers five plans, including a low cost option called the base plan in each zone or region of the state. You may choose any of the plans that are available in your local area. With all of the plans, you may make your choice of dentists at the time of service.
Review the Dental Plan Comparison (pdf) to learn the specific benefits for dental services.
1. Delta Dental PPO, the base plan for the Twin Cities and Duluth zones, is a low-cost, network-only plan with more than 1,700 participating dentists in 74 counties in Minnesota. You must visit a dentist participating in the Delta Dental PPO network to receive benefits, except in the case of an out-of-area emergency. Check with the dental office to confirm that your dentist participates in the PPO option before enrolling in this plan.
2. Delta Dental Premier, the base plan for the Greater Minnesota zone, is a flexible plan with access to the broad Delta Dental Premier network as well as the more cost-effective Delta Dental PPO network. Out-of-network benefits are also available. The Delta Dental Premier network has more than 3,100 participating dentists in 87 Minnesota counties and border communities and over 145,000 participating providers in the country. Visiting a dentist in either network can result in a higher level of benefits and lower out-of-pocket costs.
3. University Choice is administered by Delta Dental and offers freedom to see any provider of your choice. You may have higher out-of-pocket costs because the dentist can bill for the payment difference between the allowed reimbursement and what the dentist charges for a particular service. Visiting a dentist who participates in the Delta Dental PPO or Delta Dental Premier networks may result in lower out-of-pocket costs, in addition your $50 deductible would be waived.
4. UPlan HealthPartners Dental is a low-cost, network-only plan with more than 1,500 dentists and specialists at over 1,000 dental clinics in Minnesota and border communities. You must visit a dentist participating in the HealthPartners Dental network to receive benefits, except in the case of an out-of-area emergency.
5. UPlan HealthPartners Dental Choice is a broad network plan with more than 2,600 dentists and specialists at over 1,700 dental clinics in Minnesota and border communities. Out-of-network benefits are also available. Visiting a dentist in the HealthPartners network can result in a higher level of benefits and lower out-of-pocket costs.
Choosing a Plan
You are eligible for dental coverage if you meet the benefits eligibility requirements, but signing up for coverage is not required.
You’ll want to select a plan that is associated with the region either where you live or work. See the Dental Plan Availability (pdf) chart to find which dental plans are available in your county.
Research the plans to see which one meets the needs of you and your family. Since the plans cover the same types of dental care services, you’ll want to pay attention to out-of-pocket costs and whether your current dentist in in your plan’s network. You can find out if your dentist is in a given plan by calling or visiting the dental plan’s website.
Resources to Help You Make Your Decision
Use the 2016 Guide for UPlan Benefits Enrollment (pdf) to learn more about your options.
If you want to do a deeper dive in your research, the 2016 UPlan Dental Summary of Benefits (pdf) has the details on the full range of benefits in your dental plan.
What is the Cost Each Pay Period?
If your appointment is 75% time or greater, the University pays toward the cost of your rates. However, if your appointment is 50% to 74% time, you pay the full cost of the rates.
For the base plan, the University pays 88% of the cost of employee-only coverage and 52% of the cost of each tier with dependents. For the other plans, your rate will include the additional cost of that plan.
|Delta Dental PPO (Base plan for Twin Cites & Duluth)||$16.32||$14.36||$1.96|
|Delta Dental Premier (Base plan for Greater Minnesota)||$20.00||$18.04||$1.96|
|Delta Dental Premier||$20.00||$14.36||$5.64|
|HealthPartners Dental Choice||$19.71||$14.36||$5.35|
Employee and Children
|Delta Dental PPO (Base plan for Twin Cites & Duluth)||$39.07||$20.32||$18.75|
|Delta Dental Premier (Base plan for Greater Minnesota)||$47.67||$28.92||$18.75|
|Delta Dental Premier||$47.67||$20.32||$27.35|
|HealthPartners Dental Choice||$48.43||$20.32||$28.11|
Employee and Spouse with or without Children
|Delta Dental PPO (Base plan for Twin Cites & Duluth)||$45.32||$23.56||$21.76|
|Delta Dental Premier (Base plan for Greater Minnesota)||$55.53||$33.77||$21.76|
|Delta Dental Premier||$55.53||$23.56||$31.97|
|HealthPartners Dental Choice||$54.67||$23.56||$31.11|
If you have questions about your plan options, call 4-UOHR (612-624-8647 or 800-756-2363) and select option 1 or send an email to email@example.com.
How Do I Enroll in Dental Coverage?
New Employees Enrolling in a Dental Plan
You have 30 days from your date of employment or your newly benefits-eligible job to enroll in a dental plan through MyU. Your dental coverage starts on the first day of the month following your first day in your new job.
Do I Have to Sign Up for a Dental Plan?
No, if you don’t need dental coverage with the University, you can waive coverage. But if you change your mind and want dental coverage, you’ll have to wait until the annual Open Enrollment each November or if you have a family status change.
New Employees Enrolling Eligible Dependents
If you have a family, you can add your legal spouse and your dependent children from birth through age 25 (up to 26th birthday) to your coverage. If you have any questions about eligibility, go to the Benefits Eligibility section for the full definition of eligible dependents.
The University will ask you to verify that your dependents are eligible. Typically, it means sending copies of your marriage certificate, birth certificate, or tax forms.
Need More Information?
Check the schedule for the New Employee Benefits Enrollment Workshop if you would like help enrolling in your benefits.
Using Your Dental Plan
Member ID Card
The dental plan you selected will send member ID cards to your home for you and each covered family member.
Questions about Your Plan or Provider Options?
Whatever you’re wondering about that’s related to your dental plan can be answered with a call to Delta Dental or HealthPartners Customer Service or a visit to their websites.