![]() The information and content (collectively, "Content") on this website is for your general educational information only. General information regarding your health care Your actual cost may be higher or lower than the estimate for various reasons. The costs provided in this tool are estimates only and are not a guarantee of payment or benefits. By clicking, you agree that you have read the information below, are accessing this information for purposes of determining treatment cost estimates for dental care services you are considering receiving, and will not use the information in this tool for a commercial or anti-competitive purpose. To begin using the Dental Care Cost Estimator tool, click the Agree button below. If you are experiencing a medical or dental emergency, you should seek appropriate emergency medical or dental assistance, such as calling "911." Information regarding the Cost Estimator content Please note there are areas within Michigan that are not eligible for coverage through Aetna.Please scroll down and accept to proceed. Please contact Aetna directly to confirm if you are eligible to enroll in this plan based on your state and zip code. ![]() Guidance for Employees that Enroll in an Aetna PlanĮligibility for Aetna is determined by where you live. If you plan to enroll in the Aetna DMO or Aetna Premium DMO, please verify that the dentist you want to use accepts “Aetna DMO” rather than just “Aetna” to avoid rejected claims. Although the choice of providers is more limited, it tends to cover a greater range of services at lower co-pays and does not have an annual maximum. Their primary dental care is provided by that dentist and only at locations and by dentists that participate in the plan. In a Dental Maintenance Organization (DMO) like Aetna DMO and Aetna Premium DMO, enrollees select a participating primary care dentist. Delta Dental Contact Information and Resources: The tool is designed to help you compare coverages and costs between the Delta Basic and Premium plans only – Aetna plans are not included in the model. Please note: this is an illustrative tool to show how the plans might compare under varying circumstances and results are not guaranteed. Wondering whether the basic or premium Delta plans would be more cost effective for you? This “Modeler” tool allows you to enter factors such as single, two-person or family coverage whether individuals on your plan are likely to have low, average or high dental care needs and whether any members will need braces to get an estimate of which Delta Dental plan may be more cost effective for your needs. Additionally, diagnostic and preventive services do not apply to the annual maximum. It has a higher level of coverage for many dental services, including 100% coverage for diagnostic and preventative services, and a $2,000 Annual Maximum and $2,000 Lifetime Orthodontic Maximum. This plan offers additional services such as sealants and adult orthodontics. Delta Dental PPO Premium - NEW for the 2024 Plan Year Contact Delta Dental for information on participating providers. ![]() Delta offers hundreds of participating providers and allows you to seek care from both participating and non-participating providers (you may incur additional costs if you use a non-participating provider). This coverage includes a 50% co-pay on all services and a $600 Annual Maximum and a $600 Lifetime Orthodontic Maximum. This plan typically allows more freedom in selecting service providers and services performed. ![]() Payroll deductions for dental premiums (if applicable) are deducted on a pre-tax basis, so employees will save money on their premium. The following dental plans are available: Please refer to the appropriate Benefits Open Enrollment guide based on your employee type for plan eligibility, premium rates, and coverage charts. MSU offers dental coverage options through Delta Dental and Aetna to all benefits-eligible full-time and part-time (50-89.9%) employees.
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