Graduate Student Dental Plan

MIT, in collaboration with Delta Dental of Massachusetts, is offering a basic dental care plan for graduate students.

The Preferred Provider Option (PPO) Value Plan is designed to help students maintain good oral health by providing access to a network of dentists and offers diagnostic and preventative services with no-copayment as well as restorative services at a pre-negotiated discounted rate. It is available only to MIT registered graduate students and their families. Crosby Benefit Systems is the enrollment and billing administrator. Delta Dental handles issues related to coverage and dental services. Enroll Now

For students anticipating major dental work, or for students with 1 dependent (ex: a spouse but no children), this website also provides information regarding DeltaCare, an alternative HMO dental plan from Delta Dental which is available to Massachusetts students. The DeltaCare plan offers more comprehensive care than the PPO plan, but at a higher cost and with a smaller network of dentists. It also offers an individual + 1 dependent plan which can be more economical for students with spouses but no children. DeltaCare is administered by a 3rd party company, University Health Plans, which has no affiliation or connection with MIT.

Please note that neither of these plans are accepted at MIT Dental.

Please read below for further information on both plans, as well as a side-by-side comparison between the PPO and DeltCare plans. For some example cost scenarios comparing the two plans to being uninsured, please click here.

Delta Dental PPO Value Plan Summary

  • Plan subscriber must be enrolled in a graduate program at MIT at the time of enrollment.
  • Coverage will continue for this period even if the subscriber leaves MIT.
  • The entire cost of the plan should be paid in one lump-sum payment.
Coverage
In-Network Coverage
[list of In-Network providers]
Out-of-Network Coverage [including MIT Dental Office]
1. Diagnostic and Preventative Services (i.e. Regular Exams, Teeth Cleanings, X-rays) $0 deductible, 100% coverage Paid up to 80% of the maximum fee allowance or dentist charge whichever is less
2. Restorative Services (i.e. Fillings, Oral Surgery, Root Canals) Services offered at discounted rates [full coverage details] No coverage
3. Prosthodontic and Other Services (i.e. Dentures, Crowns)
Annual maximum Unlimited

For more information including frequency limitations and exclusions, please refer to the full coverage details or contact Delta Dental Customer Service department at 1-800-872-0500 or visit their website at www.deltadentalma.com.

Delta Dental DeltaCare Plan Summary — Fall & Rolling Enrollment

  • Plan is administered by University Health Plans.  MIT has no direct connection with this company.
  • Earliest Enrollment Deadline: September 15th, 2013.  Coverage period will be October 1, 2013 to August 31, 2014
  • Plan subscriber must be enrolled in a Massachusetts university or college.
  • Student + 1 Dependent plan is available for students with non-students spouses or dependent.
  • The entire cost of the plan must be paid upfront by credit card directly.
  • Full coverage details for the DeltaCare Plan can be found here
Coverage
In-Network Coverage [list of In-Network providers] Out-of-Network Coverage [including MIT Dental Office]
1. Diagnostic and Preventative Services (i.e. Regular Exams, Teeth Cleanings, X-rays) $0 deductible, 100% coverage $100 deductible.  20% lower coverage of services compared to in-network.
2. Restorative Services (i.e. Fillings, Oral Surgery, Root Canals) About 70% coverage for restorative and 40% coverage for prosthodontic. [fullcoverage details] $100 deductible.  20% lower coverage of services compared to in-network.
3. Prosthodontic and Other Services (i.e. Dentures, Crowns)
Annual maximum $1,000.00 for oral surgery, endodontic services, and periodontic services
Cost Student Only Plan $315.00 annually
Student + 1 Dependent Plan $590.00 annually
Student + 2 or more Dependents Plan $888.00 annually

For more information including frequency limitations and exclusions, please refer to the full coverage details or contact Delta Dental Customer Service department at 1-800-872-0500 or visit their website at www.deltadentalma.com.

Side-by-side comparison
PPO Value Plan DeltaCare
  • Administered by University Health Plans
  • Total amount paid by credit card on enrollment
  • Smaller network  [click here to see a map], have to choose a specific primary care dentist
Individual plan annual cost $254.64 $315.00
Individual + 1 dependent annual cost not available $590.00
Family Plan annual cost $643.92 $888.00
Annual maximum none $1000 yearly cap for oral surgery, endodontic services, and periodontic services
Preventative and Diagonostic Care 100% coverage 100% coverage
Restorative Services Ex: 1 white tooth filling $95 $41
Endontic Services Ex: front tooth root canal treatment $599 $221
Major Restorative Services Ex: porcelain crown $886 $750

This website is provided for information purposes only