Yale University offers a comprehensive dental insurance plan to its employees, retirees, and their families. The plan is designed to provide coverage for a wide range of dental services, from routine cleanings and fillings to more complex procedures such as crowns and orthodontics. The dental insurance plan is administered by MetLife, a leading provider of dental insurance plans in the United States.
Plan Overview
The Yale dental insurance plan is a Preferred Provider Organization (PPO) plan, which means that participants can choose to receive care from any licensed dentist, but may receive greater benefits when using a network provider. The plan offers a range of benefits, including coverage for diagnostic and preventive services, basic restorative services, major restorative services, and orthodontic services. The plan also offers a 1,000 annual maximum benefit per person, with a 50 deductible per person per calendar year.
Plan Benefits
The Yale dental insurance plan offers the following benefits:
- Diagnostic and preventive services: 100% coverage for routine cleanings, exams, and x-rays
- Basic restorative services: 80% coverage for fillings, extractions, and other basic restorative procedures
- Major restorative services: 50% coverage for crowns, bridges, and dentures
- Orthodontic services: 50% coverage for orthodontic treatment, with a $1,000 lifetime maximum benefit per person
In addition to these benefits, the plan also offers a range of discounts and promotions, including a 10% discount on all services when using a network provider, and a $25 credit towards the purchase of a electric toothbrush or waterpik.
| Service | Coverage | Deductible |
|---|---|---|
| Routine Cleaning | 100% | $0 |
| Filling | 80% | $50 |
| Crown | 50% | $50 |
| Orthodontic Treatment | 50% | $50 |
Eligibility and Enrollment
Eligibility for the Yale dental insurance plan is limited to Yale University employees, retirees, and their families. Employees are eligible to enroll in the plan on their date of hire, and retirees are eligible to enroll in the plan on their retirement date. Family members, including spouses and dependent children, are also eligible to enroll in the plan.
Enrollment Process
To enroll in the plan, eligible individuals must complete an enrollment form and return it to the Yale University Benefits Office within 30 days of their eligibility date. The enrollment form can be obtained from the Benefits Office or downloaded from the university’s website.
Once enrolled, participants will receive a welcome packet with information about the plan, including a list of network providers, a summary of benefits, and a claim form. Participants can also access plan information and manage their benefits online through the MetLife website.
What is the annual maximum benefit under the Yale dental insurance plan?
+The annual maximum benefit under the Yale dental insurance plan is $1,000 per person.
Can I use any dentist under the Yale dental insurance plan?
+Yes, you can use any licensed dentist under the Yale dental insurance plan, but you may receive greater benefits when using a network provider.
How do I enroll in the Yale dental insurance plan?
+To enroll in the plan, eligible individuals must complete an enrollment form and return it to the Yale University Benefits Office within 30 days of their eligibility date.
In conclusion, the Yale dental insurance plan offers a comprehensive range of benefits and services to help participants maintain good oral health. With its wide network of providers, competitive coverage, and affordable premiums, the plan is an excellent choice for Yale University employees, retirees, and their families.
