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.
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.
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 or damaged teeth, treat oral diseases, and repair dentures, bridges, crowns, inlays, and onlays
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.
| Dental Plan Comparison Chart As of January 1, 2009 |
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| The MIT Basic Dental Plan | The MIT Comprehensive Dental Plan | |
| Deductible | None | $50 per covered member for Type 2 and Type 3 services |
| Preventive (Type 1–Oral exams, cleanings) |
100% of usual, customary, and reasonable charges Exams, cleanings |
100% of usual, customary, and reasonable charges; no deductible |
| Basic Restorative (Type 2–Fillings, extractions, root canals) |
80% of usual, customary, and reasonable charges Filings, extractions, root canals |
80% of usual, customary, and reasonable charges after annual deductible |
| Major Restorative (Type 3 Dentures, bridges and crowns.) |
No Coverage | 50% of usual, customary, and reasonable charges after annual deductible. Note: In some cases an endosteal implant is covered to replace one missing tooth. |
| Orthodontia (through age 18) | No Coverage | 50% of usual, customary, and reasonable charges |
| Annual Maximum | $1,500 per covered member | $1,500 per covered member |
| Orthodontia Maximum (through age 18) | N/A | $1,500 per lifetime, not subject to deductible |
