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Dental Insurance Plans

Dental plans for US-based employees

For US-based employees, Northwestern offers two dental plans: Dearborn National Dental PPO and First Commonwealth Dental HMO.

Plan costs

You and Northwestern share the cost of the dental coverage you choose. You pay your share through pre-tax contributions, which will be automatically deducted from your paycheck.

Chosing a plan

Whichever plan you choose, you can choose coverage just for yourself, or you may include one or more eligible family members under your coverage.

Dental plan features and coverage by plan.
Plan Features Dearborn National Dental PPO First Commonwealth Dental HMO
Diagnostic and preventative services - oral exams, x-rays, cleanings, fluoride treatments Plan pays 100% - with no deductible Plan pays 100%
Annual deductible $50 individual/$150 family N/A
Miscellaneous services - sealants, space maintainers, pulp vitality tests, pallative treatment to relieve dental pain Plan pays 80% of the cost after the annual deductible Plan pays 100% of the cost after specified copay
Restorative services, endontic sercices, peridontal services, oral surgery Plan pays 80% of the cost after annual deductible Plan pays 100% of the cost after specified copay
Crowns/inlays/onlays Plan pays 50% of the cost after annual deductible Plan pays 100% of the cost after specified copay
Implants Plan pays 50% of the cost after annual deductible N/A
Orthodontic services For dependent children under age 26, plan pays 50%, up to $3,000 lifetime maximum For children and adults - plan pays 100% of cost after specified copay
Annual benefit maximums $3,000 per person N/A

For more information, read the Summary Plan Description for Northwestern’s health and welfare insurance coverage.

Plans for US and Qatar-campus employees

The following dental insurance plans are available to Northwestern employees: