Dental Plans for Retirees

Your Dental Coverage

Dental plan options for retirees of all ages and participants on disability status are the same options that are available to active employees. As you consider your options, you may want to check which of the UPlan dental plans your dentist participates in and enroll accordingly. You can select any dental plan that is available in the area where you live or worked. You pay the full cost of the coverage you select. Statements will be mailed to you directly from your dental plan administrator. 

For all of the dental plans, the annual maximum benefit is $2,000 per person per contract year for 2020. 

Dental Plan Descriptions

There are two dental plan options for 2020.

Delta Dental PPO 

  • Network-only plan offers the greatest cost savings when receiving care from a dentist in the PPO network, except for out-of-area emergencies. 
  • Network includes nearly 1,700 participating dentists and specialists in 75 Minnesota counties and border communities. 
  • National Delta Dental PPO network offers 89,500 participating dentists across the country. 
  • Delta Dental PPO has the lowest rates for the Twin Cities and Duluth areas. 

Delta Dental Premier 

  • Flexible plan offers access to the broad Delta Dental Premier network and the PPO network, and offers out-of-network benefits. 
  • Largest dental network in Minnesota with more than 3,100 participating dentists and specialists in Minnesota and border communities 
  • Largest dental network in the country with over 145,000 participating providers 
  • Seeing a dentist in a Delta Dental network will help you make the most of your benefits and can result in lower out-of-pocket costs. 
  • Delta Dental Premier has the lowest rates for the Greater Minnesota area but higher rates for the Twin Cities and Duluth areas. 

Dental Plan Comparison for Retirees

Plan 

Diagnostic & Preventive Care 

Basic Restorative Care 

Major Restorative Care 

Emergency Services 

Orthodontics 

DELTA DENTAL PREMIER
In-network 

100% coverage 

80% coverage 

50% coverage 

Emergency dental services provided same as eligible dental services 

80% coverage 

DELTA DENTAL PREMIER
Out-of-network 

50% coverage 

After $125 annual deductible, 50% coverage 

No coverage 

After $125 annual deductible, emergency dental services provided same as eligible out-of-network services 

50% coverage 

DELTA DENTAL PPO
In-network coverage only 

100% coverage 

80% coverage 

50% coverage 

In-network services provided same as any service; out-of-network services apply $50 deductible then same as any in-network service 

80% coverage 

Dental Rates for Retirees

Retiree or Disability Status only; Spouse under age 65 only; Surviving Spouse only; or One Dependent Child only

PLAN

MONTHLY COST

Delta Dental PPO

$36.49

Delta Dental Premier

$44.72

Retiree or Disability Status and Children; Spouse under age 65 and Children; Surviving Spouse and Children; or Two or more Dependent Children only

PLAN

MONTHLY COST

Delta Dental PPO

$87.36

Delta Dental Premier

$106.58

Retiree or Disability Status and Spouse with or without Children

PLAN

MONTHLY COST

Delta Dental PPO

$101.34

Delta Dental Premier

$124.17

Dental Plan Contact Information

Delta Dental
651-406-5916
800-448-3815
TTY: 1-888-853-7570