Dental plans

Eligibility

All regular (non-temporary) full-time and part-time employee in a position scheduled for 30 or more hours each week are eligible for coverage on the first day of the month following date of hire. If hired on the first day of the month, benefits begin immediately. Coverage is available for spouses, domestic partners and dependent children.

Description

There are currently three dental plan options: Willamette Dental, Kaiser Dental and Metlife dental.

Contribution

Each year during the budgeting process, the college determines the amount it will contribute to the cost of employees' dental insurance. This year Reed pays 100% of the cost of the Willamette Dental plan for employee-only coverage and 60% of the Willamette Dental cost for eligible dependents. Reed pays this same dollar amount towards the Metlife and Kaiser plans and employees pay the difference in cost. Employees pay their portion of the cost of their heath insurance by pre-tax paycheck deductions. Note that coverage for domestic partners is taxable i.e. cannot be paid pre-tax.

Cost

Dental cost per pay period as of January 1, 2024

Plan	Coverage	Reed contribution per pay period	Cost to employee per pay period
Willamette Dental	Individual	$23.13	$0
	Plus child(ren)	$37.71	$9.72
	Plus spouse/partner	$37.03	$9.27
	Family	$57.57	$22.96
Kaiser Dental	Individual	$23.13	$9.30
	Plus child(ren)	$37.71	$20.67
	Plus spouse/partner	$37.03	$27.83
	Family	$57.57	$39.72
Metlife dental	Individual	$23.13	$10.18
	Plus child(ren)	$37.71	$38.34
	Plus spouse/partner	$37.03	$30.77
	Family	$57.57	$37.21

Plan Comparisons

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Services	Willamette Dental	Kaiser Dental	Metlife Dental
Deductible	$0	$50	$50 individual/$150 family per calendar year
Office visit co-pay	$10 ($30 for specialty visits)	$0	$0
Preventive services (including exams, x-rays and cleanings)	No additional charge	No additional charge	No additional charge
Fillings	No additional charge	No additional charge	20% cost share
Crowns	No additional charge for stainless steel crowns, $50 charge for porcelain-metal crowns	No additional charge for plastic and steel crowns. 20% cost share for gold or porcelain crowns	40% cost share
Bridges	$50 per tooth	20% cost share	40% cost share
Routine extraction	No additional charge	No additional charge	20% cost share
Oral surgery	$50	20% co-insurance	20% cost share
Implants	Plan will pay up to $1,500 toward implant, see certificate of coverage for more information	not covered	not covered
Orthodontia	$1,200 for comprehensive service	50% cost share lifetime benefits maximum of $1,500	50% cost share with a $1,500 lifetime maximum benefit
Dentures	$100 complete upper or lower dentures	20% cost share	50% cost share
Annual maximum benefit	No maximum	$1,500	$2,000
Is there a network of providers?	Yes, participants must go to a Willamette Dental office	Yes, participants must go to a Kaiser Dental office	No

Websites

Plan documents

Willamette Dental certificate of coverage
Willamette Dental summary of benefits
Willamette Dental new member letter
Kaiser Dental evidence of coverage
Kaiser Dental summary of benefits
Metlife dental plan summary
Metlife benefits portal access info