Dental Plans

Eligibility to Enroll in the State Health Benefits Program

• Regularly appointed full-time employees (100%) with an appointment of 12 months or greater for calendar year employees or 10-months for Academic Year employees
• Legal spouse
• Same-sex domestic partner or civil union partner
• Eligible children under age 26 (including stepchildren, foster children, adopted children or children an employee is legally required to support)

When Coverage Begins

• Academic year 10-month employees with September 1 hire date = September 1 effective date
• All other employees, effective after 2 months of continuous employment, i.e., August 15 hire date = October 15 effective date

As an eligible employee, you can choose to enroll in a dental plan by completing the SHBP Dental Application . Rutgers offers two types of dental insurance plans:

• The Dental Expense Plan
• Dental Plan Organizations (DPOs)

Please be sure to review the plan rules including exclusions and limitations before selecting a plan. You must remain in the dental plan you select for at least 12 months before you can transfer to another dental plan or cancel coverage.

The Dental Expense Plan:

• Indemnity (fee for service) plan
• Freedom to choose any dentist and still receive coverage
• A deductible must be met before expenses are reimbursed
• A special network of providers (PPO network) within the plan charge lower fees to help you save money
• Exams and cleanings covered 100% (no deductible)
• Basic restorative services (inlays, onlays, crowns) covered at 65% after deductible
• Periodontic and prosthodontic procedures covered at 50% after deductible
• Orthodontic services for children (under 19) covered at 50% up to $1,000 max
• $3,000 maximum reimbursement limit per person per calendar year

Dental Plan Organizations (DPOs)

• Similar to medical HMO program
• Several DPOs to choose from
• Must use a DPO network dentist
• Co-payments required
• Routine exams, cleanings and preventive care covered 100%
• Co-payments required for other dental services
• Orthodontic services for children and adults covered - maximum 24 months

Dental Carrier Contact Information

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Last Updated: 03/02/2012