Grad Employee Dental Insurance
The Altus dental plan features:
100% coverage for preventative care, like exams and up to 4 cleanings/plan year
80% coverage for procedures like fillings
65% coverage for more involved procedures, like crowns
Orthodontic for adults and coverage for children to age 19
$2250 calendar year maximum
Fluoride treatment for all covered members for a total of two treatments per year @ 100%
Athletic mouth guards for dep children under age 19 once every 24 months covered @ 65%
Teeth Whitening once per arch every 60 months covered @ 65%
Reimbursement for out-of-network benefits will be based on the 95th percentile of “reasonable and customary”
$0 deductible when you see an in-network dentist (a once per year deductible applies for out-of-network providers: $75 for individuals and an aggregate $225 for families.)
Please review the plan full description before using insurance.
Benefits plan year is 9/1-8/31 meaning your dental plan year maximum renews each 9/1, as does any responsibility to pay a deductible.
Who can be covered?
Eligible graduate employees, their dependent spouses, same and opposite sex domestic partners, and children up to age 26. No other family members are eligible for coverage under the plan.
The dental plan is free for eligible grad employees. Family plans are available with a premium contribution. The Trust Fund subsidizes the cost of the single+1 and family plan to ensure the employee premium is affordable.
single + 1 plan: (you + a spouse/partner or 1 child): $100/year
family plan: (you + multiple dependents): $100/year
Find a dentist
When prompted, our network includes the "Connection Dental Network.” Then enter your location information.
You can also call Customer Connections department at 877-223-0588 or email
firstname.lastname@example.org You should always confirm that your dentist or facility is participating in our network at the time you make your appointment.
Oral surgery is covered under our dental plan at 80% but is important to note that removal of impacted wisdom teeth is also covered by the UMass Student Health Plan. When having impacted wisdom teeth removed provide both your Cigna/Wellfleet student health plan information and your Altus Dental plan information to the provider and ask that the Cigna/Wellfleet plan be billed first in order ot maximize your coverage. More on wisdom teeth here.
Using Benefits Out-of-Network
While you maximize your benefits when seeing an Ameritas dentist, you can still choose to go out-of-network. Reimbursement for your out-of-network benefits are based on the 95th percentile of “reasonable and customary” charges (see description for details). To request out-of-network reimbursement, submit the claim form to
Altus Dental Insurance Co., Inc.
P.O. Box 1557
Providence, RI 02901-1557and attach your receipt from the dental office.
If you have More than One Dental Plan
Click here for the Altus Coordination of Benefits Policy.
It's important to ask your dentist for a pre-treatment estimate prior to having procedures beyond basic cleanings. That way, you'll know in advance exactly what portion of the costs your benefits will cover and what you will be required to pay out of pocket.
Benefits Plan Year
The benefit plan year is 9/1 to 8/31, meaning your $2250 plan year maximum renews each 9/1, as well as your deductible responsibility.