Georgia Tech offers a choice of three dental plans with network dentists to help minimize your out-of-pocket dental expenses. All three dental plans offer an orthodontia benefit for covered members.
Eligibility
Employees - Regular, full-time/part-time faculty or staff who work at least 20 hours per week.
Dependents - An eligible dependent must meet one of the following criteria defined under the Georgia Tech Non Medical Plan Dependent Eligibility Rules .
Domestic Partners
Georgia Tech offers coverage for domestic partners and their children under the following plans*:
- Humana CompBenefits Access and Preferred Provider Dental Plans
*Employees must be enrolled in same plan as dependents
To apply for domestic partner benefits, the employee and domestic partner must submit a “Declaration of Domestic Partnership” and two (2) forms of approved documentation to substantiate the partnership to Human Resources.
Effective Date of Coverage
Coverage is effective on the first day of the month following your date of hire.
Dental Options
Georgia Tech offers a variety of dental plans to choose from.
Board of Regents Plan - This plan covers preventive services at 100 percent. Basic and Major services are covered at 80 percent after the deductible has been met. The annual deductible is $50 per covered person. The annual maximum plan benefit is $1,200 per covered person. The plan includes a 6-month waiting period for orthodontics and a 24-month waiting period for replacement of anything artificial like dentures or crowns. The plan uses the MetLife Network of dentist. This plan has limited enrollment opportunities.
Humana CompBenefits Access Plan - This plan has set co-pays (no cap to annual benefit) and requires the member pay $2,300 per person toward the orthodontia benefit for patients under 18 years of age or $2,500 for patients 19 years of age or older.
Humana CompBenefits Preferred Provider Organization (PPO) Plan - This plan offers co-insurance (plan pays a percentage of the total cost) after the deductible has been met. The annual deductible is $50 per covered person. There is a 1-year waiting period for major services unless you can provide proof of creditable coverage to Humana CompBenefits within 31 days of eligibility. The annual maximum plan benefit is $1,500 per person and a lifetime maximum orthodontia benefit limited to $1,000 per person.
Cost
The cost of dental coverage is paid entirely by you. Your cost is based on the dental plan you choose and the coverage level you select (employee only, employee + child, employee + spouse, family). Your cost will be deducted from your paycheck on a pre-tax basis.
Employee Monthly Cost | |||
Coverage Level | Board of Regents Dental | Humana CompBenefits Access | Humana CompBenefits PPO |
Employee | $30.84 | $18.80 | $22.30 |
Employee + Child | $58.58 | $39.24 | $45.50 |
Employee + Spouse | $61.66 | $37.80 | $46.82 |
Family | $98.66 | $63.14 | $75.74 |
Academic Prepaids
Since January 1st, 2000, employees on an academic pay cycle have a new deduction schedule which prorates the summer insurance premiums over the last five paychecks of the academic year (January-May). This new deduction schedule was implemented to avoid having to make a triple deduction in the May paycheck to cover benefit premiums over the summer. The advance deductions for summer paychecks to cover benefit premiums is listed separately on the paycheck, and is equal to an additional 40% of the regular monthly deduction for medical, dental, dependent life and supplemental life.
Changes to Your Election
Due to restrictions imposed by the Internal Revenue Service (IRS) code, after you make enrollment decisions during your initial eligibility or open enrollment, you cannot make changes during the remainder of the plan year (Jan. 1 to Dec. 31) unless a qualifying change in family status occurs. Please see the Family Status Change section for more information.
Dental Plan Comparison
The dental plan comparison table below lists only the Georgia Network benefit levels. Out-of-network services have different benefit levels. Please refer to the plan information below for further details.
In – Network (GA) | |||
Benefit Highlight | Board of Regents Dental | CompBenefits Access | CompBenefits PPO |
Office Visit Co-pay for Preventive and Diagnostic Procedures | 100% | $5 | 100% reimbursement benefit |
Annual Deductible | $50 | N/A | $50 |
Annual Plan Maximum | $1,200 | Unlimited | $1,500 |
Lifetime Ortho Max | $1,000 | N/A - member co-pay varies based on service | $1,000 for 18 yrs or younger, no adult ortho |
Preventive Services
| 100% benefit | 100% benefit | 100% reimbursement benefit |
Basic Services
| 80% benefit subject to deductible | Member co-pay varies | 80% reimbursement benefit |
Major Services
| 80% benefit subject to deductible | Member co-pay varies |
50% reimbursement benefit 12-month waiting period |
Orthodontic Services
Waiting Period
| 80% benefit subject to deductible 6-month waiting period | Member co-pay varies
| 50% reimbursement benefit 12-month waiting period |
This information is provided for informational purposes only, and no warranty is provided for accuracy. The information summarizes dental plans available. It is not intended to cover all details of each plan.
Additional Plan Information
You may access details of the Board of Regents dental plan through the Board of Regents of the University System of Georgia Web site.
You may access details of the Humana CompBenefits Access and PPO dental plans through the Humana CompBenefits web site.
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