- General Information
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- Dental Insurance
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Full-time regular or fixed-term employees, or part-time regular or fixed-term employees who are scheduled to work a minimum of 1,000 hours per year may enroll within 30 days of hire. Coverage is effective the first of the month following date of hire.
Otherwise, enrollment may take place during the open enrollment period to be effective January 1 of the next year or within 30 days of a family status change.
Your dental insurance plan is administered by Delta Dental.
Rensselaer pays approximately 70% of the total cost of the premium for full-time employees, as well as for a spouse and/or dependents. Employee contributions are on a pretax basis.
Who may participate?
If you are a full-time regular or fixed-term employee, or a part-time regular or fixed-term employee scheduled to work at least 1,000 hours per year you are eligible to participate in the dental plan.
What type of coverage is available?
The dental insurance plan, administered by Delta Dental, provides full coverage for the reasonable and customary cost of preventive services twice a year.
Other services are subject to an annual deductible of $50 per individual, $150 per family. Services, such as fillings, are paid at 80 percent of the reasonable and customary charge. Major services, such as bridges and crowns, are paid at 50 percent of the reasonable and customary charge. The maximum benefit per calendar year per individual is $1,500. There is a once-in-a-lifetime orthodontic benefit of 50 percent of covered dental charges up to a maximum benefit of $1,500 per person.
You may choose individual, two-person, or family coverage. Dependent children up to age 19 (or to age 25, if full-time students) are eligible for coverage.
When can I enroll?
- You may enroll the first of the month following your date of employment.
- You may enroll in or change medical plans during the annual Open Enrollment period; coverage becomes effective the following January 1.
- You may add or remove dependents during the annual Open Enrollment period. Coverage becomes effective the following January 1.
- You may also add or remove dependents or cancel coverage within 30 days of a qualifying family status change, to be effective on the date of your status change.
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How much does it cost?
Rensselaer pays approximately 70% of the cost of dental coverage for you and your dependents if you are considered a full-time employee by Rensselaer.
Your share of the cost is deducted from each paycheck on a pretax basis. Rates are set and announced on an annual basis, and are effective each January 1.
How do I file a claim?
Generally, your dentist will submit the claim electronically to the claims administrator. However, you may also obtain claim forms from Delta Dental, the claims administrator, or from Human Resources.
More detailed information is contained in the Plan Description.