2024 Dental Insurance
All benefits-eligible employees can enroll in one of two dental plans, offered through Northeast Delta Dental.
Contact Northeast Delta Dental
800-832-5700
https://www.nedelta.com/
What is changing in 2024?
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Rates - Good news! Rates for the Dental plans will decrease by 2.75% for 2024. To see rates for 2024, please use the benefits cost estimator.
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Plan Design - There will be no plan design changes to our dental plan benefits or covered services for 2024.
Other Important Open Enrollment Information
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IMPORTANT - If you do not take action during open enrollment (10/23/23-11/6/23), you will remain in the same dental coverage/tier that you had in 2023. This also means that you will not be able to enroll/cancel and/or add/remove dependents until 1/1/25, unless you have an IRS eligible life event during the calendar year. Life events must be completed within 30 days of the event date.
Create an Account
1. Go to www.nedelta.com and click on PATIENTS
2. Click LOG IN or REGISTER HERE to get started
3. Complete the REGISTRATION process
4. You will need your Subscriber ID number (found on yourID card or by calling Customer
Service at the number above.)
Find a dentist, print ID cards, view claims, and more by creating an account with Northeast Delta Dental. For more information click here.
Northeast Delta Dental also offers a mobile app for easy access to your information on the go.
Eligibility and Enrollment
All benefit eligible employees may enroll themselves and their eligible family members in one of the two dental plan options described below. Employees pay the full cost of the Dental plan.
New Hires may enroll within their first 30 days of employment, otherwise existing employees may enroll during the annual open enrollment period held each fall for a January 1st start date. Some qualified life events causing a drop in external dental coverage will allow for enrollment in a dental plan for yourself and/or your dependents.
ID Cards
Please allow 7 to 14 days from new hire enrollment for new ID cards to arrive in the mail. You will receive two identical ID cards, to cover any and all members of your family. During open enrollment, you will not receive new ID cards unless you are new to a plan. Cards will arrive prior to the new year. If you lose your ID card, please contact Delta Dental at the number above, or you may access and print a copy through your online account.
Plan Overviews
The Low Plan
The Low Plan is a lower-cost option that provides coverage for preventative and basic
restorative care. This plan does not cover orthodontia or major restorative services
like crowns, bridges and implants.
Summary of Benefits
The High Plan
The High Plan is a higher-cost option that provides coverage for basic and major restorative
care as well as orthodontia. Mouthguards for temporomandibular joint disfunction (TMJ)
will be covered.
Summary of Benefits
IMPORTANT NOTE: The cost share shown below is based on using in-network providers. Members may use out-of-network providers, but your costs will typically be higher.
The HOW Program
Northeast Delta Dental offers extra benefits at no extra charge for those who need them through the Health through Oral Wellness (HOW) program. For more information on the program, click here.
Additional Discounts
Northeast Delta Dental subscribers and their dependents are eligible for vision and hearing discounts through EyeMed. For more information on these discounts, click here.
Orthodontia
Orthodontic coverage is available for both children and adults, under the Dental HIGH plan. The $2,000 orthodontia lifetime maximum is per covered family member and is separate from the $5,000 annual plan maximum. Patients who are already undergoing treatment may be eligible for a portion of orthodontic coverage based on the length of active treatment remaining. Please review and share the payment schedule below with your provider to determine the amount of reimbursement that will be available.
Plan Costs
Below is a chart of monthly rates. Dartmouth does not contribute to this benefit, and the cost is the same across all employment categories.
Find a Dentist
Both plans offer in-network discounts through the PPO and Premier networks. To find
out if your dentist is in the Delta Dental PPO or Premier network, search the directory
at www.nedelta.com. Find a Dentist is located in the top right corner of every page. You may search as a guest if you
are not yet enrolled.
For additional savings, PPO network providers offer deeper discounts.
File a Claim
In-network dental providers will file your dental claims directly with Delta Dental. But when you see an out-of-network dental provider, you may be required to file the claim directly to Delta Dental on your own behalf. Please use the claim form below if you need to file a claim for reimbursement.
Note: Out-of-network claims may be subject to balance billing, which is an additional cost to you, above and beyond what your dental plan will pay.
Leaving Dartmouth
Can I Continue Dental Under COBRA?
Yes, the same rules apply for Dental coverage under COBRA as they do for Medical. See information on COBRA coverage and rates on our Leaving Dartmouth webpage.
Where Else Can I Buy Dental Insurance?
New Hampshire Continuation of Coverage (COC). In addition to your COBRA packet, New Hampshire residents will also receive a packet offering continuation of dental coverage (COC) through the State of New Hampshire.
- Plans - The NH COC is a continuation of your existing Delta Dental plan.
- Costs - The same as your Dartmouth Coverage, but the state of NH does not charge the additional 2% admin fee that you pay with COBRA.
- Coverage Ends - NH COC continues for 18 months, same as COBRA.
- ID Card – You will continue to use the same ID number/card that you used as a Dartmouth employee, whether you continue through COBRA or NH COC.
- No Coverage - There is no IRS penalty for canceling dental insurance.
What Happens When My Dental Coverage Runs Out Under COBRA or Through the NH COC?
You may be able to purchase a private dental plan through Northeast Delta Dental or another dental carrier that covers your geographic area.
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