{"id":9797,"date":"2025-10-06T17:11:33","date_gmt":"2025-10-06T22:11:33","guid":{"rendered":"https:\/\/www.macalester.edu\/human-resources\/?page_id=9797"},"modified":"2026-01-05T08:45:09","modified_gmt":"2026-01-05T14:45:09","slug":"dental","status":"publish","type":"page","link":"https:\/\/www.macalester.edu\/human-resources\/benefits\/dental\/","title":{"rendered":"Dental Insurance"},"content":{"rendered":"<p>Oral health is an important component of overall health and well-being. Most dental problems are preventable. Proactive care, including regular check-ups and cleanings, is the key to maintaining good oral health. Problems can be diagnosed early and treated without extensive testing or elaborate and expensive procedures. Additionally, regular dental check-ups may surface other health issues. Macalester offers two dental insurance plan options through Delta Dental.<\/p>\n\n\n\n<p>Macalester employees with a 0.50 FTE or higher are eligible for coverage.&nbsp; Employees may add spouses, registered domestic partners, dependent children up to age 26, as well as other legal dependents.&nbsp; All plan participants must have the same level of coverage, either the Preventive Plan or the Comprehensive Plan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dental Insurance Index<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#network\">Network Information<\/a><\/li>\n\n\n\n<li><a href=\"#coverage\">Plan Coverage Summaries<\/a><\/li>\n\n\n\n<li><a href=\"#premiums\">Plan Premiums<\/a><\/li>\n\n\n\n<li><a href=\"#account\">Creating your online account &amp; accessing your ID card<\/a><\/li>\n\n\n\n<li><a href=\"#resources\">Resources<\/a><\/li>\n\n\n\n<li><a href=\"#documents\">Plan Documents<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"network\">Network Information<\/h2>\n\n\n\n<p>You can choose any dentist you would like.&nbsp; However, under the dental plans, cost coverage is based on whether your dentist is a Delta Dental PPO, Delta Dental Premier, or Out-of-Network participating dentist.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>&#8220;Delta Dental PPO&#8221; and &#8220;Delta Dental Premier&#8221; are networks of providers within Delta Dental.&nbsp; A provider in one of these networks will provide care typically to the full cost benefit allowed under the plan (lower cost to you).<\/li>\n\n\n\n<li>&#8220;Out-of-Network&#8221; coverage allows you to see any dentist of your choosing, however at a lower cost benefit level (higher cost to you).<\/li>\n\n\n\n<li>To review your dentist&#8217;s participation level, visit the <a href=\"http:\/\/deltadental.com\">Delta Dental<\/a> website and select Find a Dentist.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"coverage\">Plan Coverage Summaries<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Preventive Dental<\/h3>\n\n\n\n<p>The Preventive Plan incorporates the most basic level of dental care.&nbsp; Semi-annual cleanings and annual x-rays are included, as well as some sealants.&nbsp; This is ideal for people who have few or no dental\/oral health concerns or issues.&nbsp; There is no maximum coverage amount per year.<\/p>\n\n\n\n<div style=\"height:20px\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Service\/Feature<\/th><th>PPO<\/th><th>Dental Premier<\/th><th>Out of Network<\/th><\/tr><\/thead><tbody><tr><td><strong>Annual Max Benefit<\/strong><\/td><td>Unlimited<\/td><td>Unlimited<\/td><td>Unlimited<\/td><\/tr><tr><td><strong>Annual Deductible<\/strong><\/td><td>$0<\/td><td>$0<\/td><td>$0<\/td><\/tr><tr><td><strong>Diagnostic and Preventive<\/strong><br>Exams, cleanings, x-rays, sealants<\/td><td>Covered at 100%<\/td><td>Covered at 100%<\/td><td>Covered at 100%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Comprehensive Dental<\/h3>\n\n\n\n<p>The Comprehensive Plan is the more traditional plan.&nbsp; It includes the same benefits as the Preventive Plan, but also includes additional services and coverage, such as fillings, extractions, prosthetics, and orthodontia.&nbsp; This is ideal for people with more complex dental\/oral health concerns or issues.&nbsp; There are maximum coverage amounts per covered person per year, based on the network utilized.<\/p>\n\n\n\n<div style=\"height:20px\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Service\/Feature<\/strong><\/th><th><strong>PPO<\/strong><\/th><th><strong>Delta Premier<\/strong><\/th><th><strong>Out of Network<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Annual Max Benefit<\/strong><\/td><td>$2,000<\/td><td>$1,500<\/td><td>$1,000<\/td><\/tr><tr><td><strong>Annual Deductible<\/strong><br>Not applicable to preventive and diagnostic<\/td><td>$0\/person;<br>$0\/family<\/td><td>$25\/person;<br>$75\/family<\/td><td>$50\/person;<br>$150\/family<\/td><\/tr><tr><td><strong>Diagnostic &amp; Preventive<\/strong><br>Exams, cleanings, x-rays, sealants<\/td><td>Covered at 100%<\/td><td>Covered at 100%<\/td><td>Covered at 100%<\/td><\/tr><tr><td><strong>Basic Services<\/strong><br>Fillings, emergency treatment for pain<\/td><td>Covered at 80%<\/td><td>Covered at 50%<\/td><td>Covered at 50%<\/td><\/tr><tr><td><strong>Endodontics, Periodontics<\/strong><br>Root canals<\/td><td>Covered at 75%<\/td><td>Covered at 50%<\/td><td>Covered at 50%<\/td><\/tr><tr><td><strong>Oral Surgery<\/strong><br>Extractions<\/td><td>Covered at 75%<\/td><td>Covered at 50%<\/td><td>Covered at 50%<\/td><\/tr><tr><td><strong>Prosthetics<\/strong><br>Dentures, bridges, implants<\/td><td>Covered at 50%<\/td><td>Covered at 50%<\/td><td>Covered at 0%<\/td><\/tr><tr><td><strong>Major Restoratives<\/strong><br>Crowns and crown repairs<\/td><td>Covered at 50%<\/td><td>Covered at 50%<\/td><td>Covered at 0%<\/td><\/tr><tr><td><strong>Orthodontics<br><\/strong>$1,000 lifetime maximum<\/td><td>Covered at 50%<\/td><td>Covered at 50%<\/td><td>Covered at 0%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:10px\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">2026 Plan Premiums<\/h2>\n\n\n\n<p><strong>Rates below are shown on a monthly basis.<\/strong><\/p>\n\n\n\n<p>Please note that these are the monthly rates and may be distributed across bi-weekly payrolls. The tables are for summary only.&nbsp; The Certificate of Coverage will be used in case of error and for all claims processing<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Tier Level<\/th><th class=\"has-text-align-center\" data-align=\"center\">Preventive (Employee Cost)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Preventive (Mac Cost)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Comprehensive (Employee Cost)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Comprehensive (Mac Cost)<\/th><\/tr><\/thead><tbody><tr><td>Employee Only<\/td><td class=\"has-text-align-center\" data-align=\"center\">$5.08<\/td><td class=\"has-text-align-center\" data-align=\"center\">$20.31<\/td><td class=\"has-text-align-center\" data-align=\"center\">$24.28<\/td><td class=\"has-text-align-center\" data-align=\"center\">$24.28<\/td><\/tr><tr><td>Employee + 1<\/td><td class=\"has-text-align-center\" data-align=\"center\">$14.56<\/td><td class=\"has-text-align-center\" data-align=\"center\">$33.98<\/td><td class=\"has-text-align-center\" data-align=\"center\">$59.58<\/td><td class=\"has-text-align-center\" data-align=\"center\">$39.72<\/td><\/tr><tr><td>Employee + 2+<\/td><td class=\"has-text-align-center\" data-align=\"center\">$24.48<\/td><td class=\"has-text-align-center\" data-align=\"center\">$57.12<\/td><td class=\"has-text-align-center\" data-align=\"center\">$99.30<\/td><td class=\"has-text-align-center\" data-align=\"center\">$66.20<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"account\">Creating your online account &amp; accessing your ID card<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Benefits of an online account<\/h3>\n\n\n\n<p>Creating an online account (member portal) with Delta Dental will allow you to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>See a snapshot of your coverage<\/li>\n\n\n\n<li>Have quick access to ID card options<\/li>\n\n\n\n<li>Allow you to go green with paperless Explanation of Benefits (EOBs)<\/li>\n\n\n\n<li>View the coverage details of anyone under your plan<\/li>\n\n\n\n<li>See all of your claims \u2013 open and paid<\/li>\n\n\n\n<li>Search claims by member and date<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">How to create an account<\/h3>\n\n\n\n<p>To create your online account with Delta Dental, follow these steps:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>日韩精品&nbsp;<a href=\"https:\/\/www.deltadentalmn.org\/members\">deltadentalmn.org\/members<\/a><\/li>\n\n\n\n<li>Click Access My Secure Portal<\/li>\n\n\n\n<li>Click Sign up! To create your online account<\/li>\n\n\n\n<li>Provide the following information, click Proceed to Register, and follow the steps to complete registration:\n<ul class=\"wp-block-list\">\n<li>First Name<\/li>\n\n\n\n<li>Last Name<\/li>\n\n\n\n<li>Social Security Number<\/li>\n\n\n\n<li>Date of Birth<\/li>\n\n\n\n<li>Member Type (as the employee, you are the subscriber)<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">ID Cards<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Once you have completed creating your account, you will be able to access and print your ID card through the Member Portal. You can also download the Mobile App to your smartphone to be able to access your ID card electronically. You will use the same username and password for both platforms as they are now Single Sign-On.<\/li>\n<\/ul>\n\n\n<section class=\"link-group block-container\" id=\"resources\">\n            <div class=\"link-group__heading-row\">\n            <div class=\"link-group__heading-container\">\n                <h2 class=\"base-lockup__heading\">Resources<\/h2>\n            <\/div>\n        <\/div>\n        <div class=\"link-group__featured-row\">\n        <div class=\"link-group__featured-inner\">\n            <div class=\"link-group__featured-inner-inner\">\n                <ul class=\"link-group__featured-link\">\n                                            <li class=\"link-group__link-item\">\n                            <a class=\"base-cta-featured\" href=\"http:\/\/www.deltadentalmn.org\/\" target=\"_self\">\n\t\t\t\t\t\t\t    日韩精品 deltadentalmn.org\n\t\t\t\t\t\t\t    <svg aria-hidden=\"true\" class=\"base-symbol base-cta-featured__arrow\" viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-arrow.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<\/a>\n                        <\/li>\n                                            <li class=\"link-group__link-item\">\n                            <a class=\"base-cta-featured\" href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2014\/10\/DEN-2015-DeltaDentalOnlineTools.pdf\" target=\"_self\">\n\t\t\t\t\t\t\t    Delta Dental Online Tools\n\t\t\t\t\t\t\t    <svg aria-hidden=\"true\" class=\"base-symbol base-cta-featured__arrow\" viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-arrow.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<\/a>\n                        <\/li>\n                                            <li class=\"link-group__link-item\">\n                            <a class=\"base-cta-featured\" href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2013\/12\/DEN_Claim_Form_Delta_Dental.pdf\" target=\"_self\">\n\t\t\t\t\t\t\t    Delta Dental Claim Form\n\t\t\t\t\t\t\t    <svg aria-hidden=\"true\" class=\"base-symbol base-cta-featured__arrow\" viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-arrow.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<\/a>\n                        <\/li>\n                                            <li class=\"link-group__link-item\">\n                            <a class=\"base-cta-featured\" href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2024\/10\/2025-Network-Options.pdf\" target=\"_self\">\n\t\t\t\t\t\t\t    Understanding Delta Dental&#8217;s Two Networks\n\t\t\t\t\t\t\t    <svg aria-hidden=\"true\" class=\"base-symbol base-cta-featured__arrow\" viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-arrow.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<\/a>\n                        <\/li>\n                                            <li class=\"link-group__link-item\">\n                            <a class=\"base-cta-featured\" href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2023\/05\/Delta-Dental-Digital-Member-Tools_MN-5.2023.pdf\" target=\"_self\">\n\t\t\t\t\t\t\t    Delta Dental Member Portal &amp; Mobile App\n\t\t\t\t\t\t\t    <svg aria-hidden=\"true\" class=\"base-symbol base-cta-featured__arrow\" viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-arrow.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<\/a>\n                        <\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"link-group block-container\" id=\"documents\">\n            <div class=\"link-group__heading-row\">\n            <div class=\"link-group__heading-container\">\n                <h2 class=\"base-lockup__heading\">Plan Documents<\/h2>\n            <\/div>\n        <\/div>\n        <div class=\"link-group__featured-row\">\n        <div class=\"link-group__featured-inner\">\n            <div class=\"link-group__featured-inner-inner\">\n                <ul class=\"link-group__featured-link\">\n                                            <li class=\"link-group__link-item\">\n                            <a class=\"base-cta-featured\" href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2023\/12\/2024-338006_Ben-Sum-2024-Comprehensive-Plan.pdf\" target=\"_self\">\n\t\t\t\t\t\t\t    Benefit Summary: Comprehensive Dental (PDF)\n\t\t\t\t\t\t\t    <svg aria-hidden=\"true\" class=\"base-symbol base-cta-featured__arrow\" viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-arrow.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<\/a>\n                        <\/li>\n                                            <li class=\"link-group__link-item\">\n                            <a class=\"base-cta-featured\" href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2023\/12\/2024-338006_Ben-Sum-2024-Preventative-plan.pdf\" target=\"_self\">\n\t\t\t\t\t\t\t    Benefit Summary: Preventive Dental (PDF)\n\t\t\t\t\t\t\t    <svg aria-hidden=\"true\" class=\"base-symbol base-cta-featured__arrow\" viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-arrow.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<\/a>\n                        <\/li>\n                                            <li class=\"link-group__link-item\">\n                            <a class=\"base-cta-featured\" href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2019\/12\/2020-Comprehensive-Dental-Summary-Plan-Description.pdf\" target=\"_self\">\n\t\t\t\t\t\t\t    Summary Plan Description: Comprehensive Dental (PDF)\n\t\t\t\t\t\t\t    <svg aria-hidden=\"true\" class=\"base-symbol base-cta-featured__arrow\" viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-arrow.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<\/a>\n                        <\/li>\n                                            <li class=\"link-group__link-item\">\n                            <a class=\"base-cta-featured\" href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2019\/12\/2020-Preventive-Dental-Summary-Plan-Description.pdf\" target=\"_self\">\n\t\t\t\t\t\t\t    Summary Plan Description: Preventive Dental (PDF)\n\t\t\t\t\t\t\t    <svg aria-hidden=\"true\" class=\"base-symbol base-cta-featured__arrow\" viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-arrow.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<\/a>\n                        <\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>Oral health is an important component of overall health and well-being. Most dental problems are preventable. Proactive care, including regular check-ups and cleanings, is the key to maintaining good oral health. Problems can be diagnosed early and treated without extensive testing or elaborate and expensive procedures. Additionally, regular dental check-ups may surface other health issues. [&hellip;]<\/p>","protected":false},"author":875,"featured_media":0,"parent":2106,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-9797","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages\/9797","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/users\/875"}],"replies":[{"embeddable":true,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/comments?post=9797"}],"version-history":[{"count":15,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages\/9797\/revisions"}],"predecessor-version":[{"id":10269,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages\/9797\/revisions\/10269"}],"up":[{"embeddable":true,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages\/2106"}],"wp:attachment":[{"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/media?parent=9797"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}