Human Resources

Dental plans

Eligibility

All regular (non-temporary) full-time and part-time employees in a position of at least half time 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 April 1, 2019

Plan Coverage Reed contribution per pay period Cost to employee per pay period
Willamette Dental Individual $23.67 $0
Plus child(ren) $38.58 $9.94
Plus spouse/partner $37.87 $9.47
Family $58.89 $23.48
Kaiser dental Individual $23.67 $8.76
Plus child(ren) $38.58 $19.79
Plus spouse/partner $37.87 $26.99
Family $58.89 $38.40
Metlife dental Individual $23.67 $7.37
Plus child(ren) $38.58 $47.78
Plus spouse/partner $37.87 $35.66
Family $58.89 $79.54

Plan Comparisons

Reed College Dental Plan Comparison

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) $20 $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 not covered 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

Willamette Dental
Kaiser
Metlife

Forms

Affidavit of marriage/domestic partnership

Plan documents

Willamette Dental certificate of coverage
Willamette Dental summary of benefits
Kaiser dental evidence of coverage
Kaiser dental summary of benefits 
PEHT Regence dental summary plan description
PEHT Regence dental summary of benefits
Metlife dental plan summary