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 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
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) |
$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
Willamette Dental
Kaiser
Metlife
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