Dental Plan Options

Dental Plan Options

If you are eligible for MIT dental benefits, you may select either the MIT Basic Dental Plan, which costs less but covers fewer services, or the MIT Comprehensive Dental Plan, which costs more but covers a wider range of services.

Both Plans Cover

  • 100% of the cost of preventive services that detect or prevent tooth decay or other oral diseases (the services you typically receive during a routine dental check-up)
  • 80% of the cost of basic restorative services that restore or remove diseased, damaged teeth, or treat oral diseases. Prosthetic maintenance includes repairs to bridges or dentures (once within a 12 month period - same repair), rebase or reline of dentures (once within 36 months), and recement of crowns and onlays (once per tooth).

Only the MIT Comprehensive Dental Plan Covers

  • 50% of the cost of major restorative services that install dentures, bridges, crowns, inlays, and onlays
  • 50% of the cost to replace missing teeth and restore severely damaged or diseased teeth
  • 50% of the cost of services requiring the use of gold
  • 50% of the cost of orthodontia for children age 18 and younger (adult orthodontia is not covered)

Dental Plan Comparison Chart

Compare dental plan rates and options to determine which plan works best for you and your family.

  The MIT Basic Dental Plan The MIT Comprehensive Dental Plan
Deductible None $50 per covered member for Type 2 and Type 3 services
Type 1 - Diagnostic & Preventive
Oral exams, cleanings
100% of usual, customary, and reasonable charges 100% of usual, customary, and reasonable charges; no deductible
Type 2 – Basic Restorative
Oral Surgery, Periodontics, Endodontics, Prosthetic Maintenance
80% of usual, customary, and reasonable charges

Filings, extractions, root canals, repairs to bridges or dentures (once within a 12 month period), rebase or reline of dentures, and recement of crowns and onlays.

80% of usual, customary, and reasonable charges after annual deductible
Type 3 – Major Restorative
Prosthodontics, Dentures, Fixed Bridge, Crowns, and Implants
No Coverage 50% of usual, customary, and reasonable charges after annual deductible. Fixed Bridges and crowns when part of a bridge (once within 60 months). Endosteal implant to replace one missing tooth in lieu of a three unit bridge, and when all adjacent teeth do not require crowns (once per 60 months, per implant). Crowns when teeth cannot be restored with regular fillings (once within 60 months per tooth).
Annual Maximum $1,750 per covered member $1,750 per covered member
Orthodontia  (through age 18) N/A 50% of usual, customary, and reasonable charges ($1,750 separate lifetime maximum benefit - not subject to deductible).

Before accepting services from a dental practice, confirm that the office participates in your dental plan, and ask for an estimate of your out-of-pocket expenses for every procedure.

For detailed information on coverage under the Basic and Comprehensive dental plans refer to the plans' Subscriber Certificates below.