Dental Plans
Dental plans pay a large portion of dental care costs for you and your covered dependents. You can choose between two plans: Delta Dental, which has an annual maximum; or United Concordia, a dental health maintenance organization.
Who's eligible?
- Full-time and part-time staff
- Full-time faculty
- Part-time (50–99% appointment)
Cost
USC pays a large portion of the premiums for dental plans.
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| Monthly Employee Contribution for Dental Plans (salary reduction–pretax dollars) |
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Delta Dental |
United Concordia |
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Monthly |
Biweekley |
Monthly |
Biweekley |
| Employee |
$19 |
$9.50 |
$7 |
$3.50 |
| Employee + adult |
$51 |
$25.50 |
$15 |
$7.50 |
| Employee + child(ren) |
$43 |
$21.50 |
$15 |
$7.50 |
| Employee + adult + child(ren) |
$86 |
$43 |
$25 |
$12.50 |
| Biweekly contributions are deducted from two paychecks each month. |
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The maximum annual benefit paid under the Delta Dental Plan is $1,500 per each covered person. There is no deductible for services at the USC School of Dentistry and a $50 per person deductible ($150 for families of three or more) for services at any other Delta Dental provider. When you use a Delta Plan dentist (about 93% of dentists in California), the plan pays eligible, reasonable and customary dental expenses as follows:
- 100% (no deductible required) for diagnostic and preventive services, such as exams, cleanings (up to two times in a calendar year), fluoride treatment, and space maintainers.
- 80% for basic services, such as oral surgery, fillings, endodontics, periodontics, and sealants.
- 60% for major services, such as crowns, jackets, fixed bridges, and dentures.
- 50% for implants up to a lifetime maximum of $1,500.
If you use a non-Delta Plan dentist who charges more than Delta's allowance for service, you must pay the additional cost. Under the Delta Plan, you also may use the services of the USC School of Dentistry (including the faculty practice). At the Dentistry school, you get 100% coverage of most expenses and a 50% orthodontia benefit ($1,500 lifetime limit).
United Concordia (Group No. 740385001)
www.ucci.com 
United Concordia focuses on preventive care and the early diagnosis of dental problems. You select a primary dental office from a network of contracted dentists. Your primary dental office handles all of your dental needs, including referrals to specialists when needed. United Concordia covers 100% of diagnostic and preventive services, such as routine checkups, cleanings and X-rays. Other services, such as fillings, crowns, extractions, etc., may require a co-payment.
What do I need to do?
Sign up for a dental plan for you and your dependents within 60 days of employment or within 30 days of a status change or you must wait until the university's next open enrollment period.
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| Enroll |
Coverage starts |
Change or cancel |
| Within 60 days of hire |
First of the month after approval of eTrac transaction |
During open enrollment or within 30 days of a status change |
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When can I make changes?
You can change dental plans during open enrollment or within 30 days of a status change. You can add new dependents within 30 days of birth, adoption, marriage or registration of a domestic partnership. You can change dentists at anytime. To change your primary dental office under United Concordia, call their customer service department at (800) 937-6432. Verify a dentist's participation in Delta Dental by calling customer service at (888) 335-8227. Please reference your Delta Dental group number, which is #3378.
Questions?
For more information, contact your benefits office. Brochures about each dental plan are available. Both plans also have extensive information available on their Web sites, including individual benefit summaries and lists of participating dentists; or call the customer service numbers listed above.
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