Dental Plans

The University offers five dental plan options; some are designed to save you money and others to give you more options.

You have 30 days from your date of employment or your newly benefits-eligible job to enroll in a dental plan. Use the resources included here to help you decide which plan is the best choice for you and your family.

When you choose a plan and want to see a specific dentist, call the plan's customer service number to confirm that your dentist is in the plan's network.

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What Dental Plans Are Available?

The dental plan options that are available to you vary by geographic location. You may choose any dental plan that is available in the county where you live or work. With all of the plans, you may make your choice of dentists at the time of service.

Delta Dental PPO in the Twin Cities and Duluth areas and Delta Dental Premier in Greater Minnesota are the plans with networks available to most employees, are the most widely used options in those areas, and factor most in the rate calculations.

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 and specialists in 75 counties in Minnesota and border communities. 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. Additionally, the national Delta Dental PPO network offers 89,500 participating dentists across the country. 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 86 Minnesota counties and border communities and over 145,000 participating providers in the country. Seeing a dentist in either of the Delta Dental networks will help you make the most of your benefits and can result in lower out-of-pocket costs.

3. University Choice is administered by Delta Dental and offers freedom to see any provider of your choice. Seeing a dentist who participates in the Delta Dental PPO or Delta Dental Premier networks may result in lower out-of-pocket costs, in addition to waiving the $50 deductible under this program. While you can always visit an out-of-network dentist, your out-of-pocket costs may be higher.

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.

See the Dental Plan Comparison for the coverage levels for dental services by plan.

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Choosing a Plan

You’ll want to select a plan that is available in the region either where you live or work. See the Dental Plan Availability Table for detailed information.

Dental Plan Availability Map. Delta Dental PPO covers 75 Minnesota counties, border communities, and the national Delta Dental PPO network. Delta Dental Premier covers 86 Minnesota counties, border communities, and the national Delta Dental PPO and
Delta Dental Premier networks. University Choice is avaible in Minnesota and nationwide. UPlan HealthPartners Dental covers Minnesota and border communities. UPlan HealthPartners Dental Choice covers Minnesota and border communities.

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 their customer service number or visiting the dental plan’s website.

Delta Dental
651-406-5916
800-448-3815
1-888-853-7570 (TTY)
www.deltadentalmn.org/uofm


HealthPartners

952-883-5000
800-883-2177
952-883-5127 (TTY)
www.healthpartners.com/uofm

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Resources to Help You Make Your Decision

Use the 2017 Guide for UPlan Benefits Enrollment (pdf) to learn more about your options.

If you want to do a deeper dive in your research, the 2017 UPlan Dental Summary of Benefits (pdf) has the details on the full range of benefits in your dental plan.

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What is the Cost Each Pay Period?

If you have an appointment that is 75% time or greater, the University pays toward the cost of your rates. If your appointment is 50% to 74% time, you pay the full cost of the rates.

The University pays 88% of the cost of employee-only coverage and 52% of the cost of each tier with dependents for the base plan. For the other plans, your rate will include the additional cost of that plan.

2017 UPlan Biweekly Rates:

Employee Only

Plan  Employee Cost U Contribution Total Cost
Delta Dental PPO (Twin Cites & Duluth Base Plan) $2.02 $14.82 $16.84
Delta Dental Premier (Greater Minnesota Base Plan) $2.02 $18.62 $20.64
University Choice $8.95 $14.82 $23.77
Delta Dental Premier: Twin Cities & Duluth $5.82 $14.82 $20.64
HealthPartners Dental $3.87 $14.82 $18.69
HealthPartners Dental Choice $5.52 $14.82 $20.34

Employee and Children

 Plan Employee Cost U Contribution Total Cost
Delta Dental PPO (Twin Cites & Duluth Base Plan) $19.35 $20.97 $40.32
Delta Dental Premier (Greater Minnesota Base Plan) $19.35 $29.84 $49.19
University Choice $35.92 $20.97 $56.89
Delta Dental Premier: Twin Cities & Duluth $28.23 $20.97 $49.20
HealthPartners Dental $25.06 $20.97 $46.03
HealthPartners Dental Choice $29.01 $20.97 $49.98

Employee and Spouse with or without Children

 Plan Employee Cost U Contribution Total Cost
Delta Dental PPO (Twin Cites & Duluth Base Plan) $22.45 $24.32 $46.77
Delta Dental Premier (Greater Minnesota Base Plan) $22.45 $34.86 $57.31
University Choice $41.85 $24.32 $66.17
Delta Dental Premier: Twin Cities & Duluth $32.99 $24.32 $57.31
HealthPartners Dental $27.64 $24.32 $51.96
HealthPartners Dental Choice $32.10 $24.32 $56.42

If you have questions about your plan options, call 4-UOHR (612-624-8647 or 800-756-2363) and select option 1 or email benefits@umn.edu.

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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.

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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.

Delta Dental
651-406-5916
800-448-3815
1-888-853-7570 (TTY)
www.deltadentalmn.org/uofm

HealthPartners
952-883-5000
800-883-2177
952-883-5127 (TTY)
www.healthpartners.com/uofm

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