Dental Plans
The Employee Health and Dental Plans are available to all full-time NJIT staff and faculty employees and their eligible dependents. It is important that you review the services provided by each plan, and determine which Carrier meets the needs of you and your dependents.
There are two types of dental plans for NJIT employees: Dental Plan Organization (DPO) and Dental Expense Plan (DEP). Please review the plan rules including exclusions and limitations before selecting a plan. Enrollment in a dental plan is optional. If you do not enroll when first eligible, you will have the option to enroll each year during the annual SHBP Open Enrollment Period. Rates for 2023 can be found below.
NOTE: You must remain in the dental plan you select for at least 12 months before you can transfer/change to another dental plan.
Dental Plan Organizations (DPO)
DPOs work like the HMOs in the health program. Members must use the provider selected in the DPO to receive coverage. When using a DPO dentist, most dental care is covered in full. There are no claim forms to file deductibles. There are several DPOs participating in the Employee Dental Plans from which you may choose.
When using a DPO dentist, diagnostic and preventive services are covered in full. Most other eligible expenses require a copayment. In addition, orthodontic treatment is covered for both children and adults, subject to a copayment. Before electing a DPO plan, please make sure your preferred provider is participating in the network of the plan you choose.
Metlife Metlife Website
Cigna http://www.cigna.com/stateofnj
Horizon Dental Choice http://www.horizonblue.com
Aetna DMO http://www.aetna.com/statenj
For a full comparison of plans, view this chart!
Dental Expense Plan (DEP)
The Dental Expense Plan is a true PPO. The plan allows members to choose any licensed dentist for dental care, however costs will be lower if using an in-network dentist. The Dental Expense Plan is administered by Aetna Dental. The annual plan deductible is $50 per person/$100 per family in-network and $75 per person/$150 per family out-of-network. The deductible does not apply to diagnostic, preventive, and orthodontic services.
If an employee does not enroll when first eligible, they have the option to enroll during the annual SHBP Open Enrollment Period (in the Fall with coverage effective the following January).
Benefitsolver access instructions
Waiver of Coverage (Dental)
If an employee wishes to waive Dental drug coverage, they may simply elect “Waive” when they make their benefit plan elections in Benefitsolver. Coverage through the SHBP may be resumed at the next Open Enrollment or through a Qualifying event enrollment.