Retiree dental insurance
UK offers four dental insurance plans, two from each of our vendors - UK Dental and Delta Dental.UK Dental Retiree Classic
Convenience of seeing a UK Dentistry provider
Lower premiums
Includes two exams and cleanings per year
UK Dental Retiree Ultra
Convenience of seeing a UK Dentistry provider
Includes two exams and cleanings per year, plus coverage for other dental services such as restorative fillings and emergency treatment
Delta Dental Retiree Basic
Flexibility to see a a wider range of dental providers, including UK Dentistry
Includes two exams and cleanings per year, plus coverage for other dental services such as fillings, periodontics and others
Delta Dental Retiree Enhanced
Flexibility to see a a wider range of dental providers, including UK Dentistry
Includes two exams and cleanings per year, plus coverage for dentures and orthodontics (up to age 19)
Already have a plan? Work with your administrator
Dental plans
UK Dental Care members must receive services at a UK Dentistry clinic. It's your choice to be seen by faculty, residents or dental students. Dental services provided at non-UK Dentistry clinics are not covered under UK Dental Care.
| UK Dental Plan | Coverage Level | Retiree pays |
|---|---|---|
| Retiree Classic | Retiree only; spouse only | $17.98 |
| Retiree + children | $37.82 | |
| Retiree + spouse | $37.82 | |
| Retiree + family | $59.87 | |
| UK Dental Retiree Ultra | Retiree only; spouse only | $40.03 |
| Retiree + children | $82.36 | |
| Retiree + spouse | $82.36 | |
| Retiree + family | $127.24 |
Delta Dental Basic and Enhanced both offer choice and flexibility. You could see any provider within two large networks, Delta Dental PPO and Premier, which includes UK Dentistry providers.
| Delta Dental Plan | Coverage Level | Retiree pays |
|---|---|---|
| Retiree Basic Plan | Retiree only; spouse only | $24.40 |
| Retiree + children | $46.30 | |
| Retiree + spouse | $51.90 | |
| Retiree + family | $76.30 | |
| Retiree Enhanced Plan | Retiree only; spouse only | $33.00 |
| Retiree + children | $69.80 | |
| Retiree + spouse | $72.80 | |
| Retiree + family | $113.50 |
Full coverage details
Coverage
| Summary of benefits | UK Dental Retiree Classic |
|---|---|
| Choosing a dentist | Faculty, residents or students at a UK Dentistry clinic |
| Annual deductible | None |
| Annual plan maximum | $600 |
| Diagnostic & preventive: two exams and cleanings per year | 100% |
| Simple restorative (filling) | 50% |
| Major restorative (crown/bridge) | Not covered |
| Dentures (complete and partial, fixed & removable) | 50% |
| Repairs (certain types) | 50% |
| Endodontics (root canal) | Not covered |
| Periodontics (scaling and root planing and perio evaluation) | 50% |
| Periodontics (surgical) | Not covered |
| Periodontics: two maintenance visits per year | 100% |
| Simple extractions | 50% |
| Oral surgery | Not covered |
| Anesthesia (certain types) | 50% |
| Orthodontics (no age limit) | Not covered |
| Emergency treatment (with UK Dentistry provider) | 50% |
Coverage
| Summary of benefits | UK Dental Retiree Ultra |
|---|---|
| Choosing a dentist | Faculty, residents or students at a UK Dentistry clinic |
| Annual deductible | None |
| Annual plan maximum | $1,200 |
| Diagnostic & preventive: two exams and cleanings per year | 100% |
| Simple restorative (filling) | 100% |
| Major restorative (crown/bridge) | 20%/30% |
| Dentures (complete and partial, fixed & removable) | 30% |
| Repairs (certain types) | 50% |
| Endodontics (root canal) | 30% |
| Periodontics (scaling and root planing, perio evaluation) | 50% |
| Periodontics (surgical) | 30% |
| Periodontics: two maintenance visits per year | 100% |
| Simple extractions | 100% |
| Oral surgery | 30% |
| Anesthesia (certain types) | 30% |
| Orthodontics (no age limit) | 20% up to a $1,000 lifetime maximum |
| Emergency treatment (with UK Dentistry provider) | 100% |
Coverage
| Summary of benefits | Delta Dental Basic |
|---|---|
| Choosing a dentist | Based on Delta Dental PPO & Premier in-network |
| Annual deductible | $25/person; $75/family |
| Annual plan maximum | $1,750 |
| Routine oral exams | 100% |
| Preventive: two cleanings/routine office visits per year* | 100% |
| Restorative fillings | 80% |
| Simple extractions | 80% |
| Periodontic services | 80% |
| Crown, bridge & dental implants | Not covered |
| Endodontics (root canal) | 80% |
| Oral surgery | 80% |
| Complete/partial dentures | Not covered |
| Orthodontics (up to age 19 on Enhanced plan) | Not covered |
| Space maintainers | Not covered |
| * Four cleanings for patients with certain medical conditions | |
Coverage
| Summary of benefits | Delta Dental Enhanced |
|---|---|
| Choosing a dentist | Based on Delta Dental PPO & Premier in-network |
| Annual deductible | $25/person; $75/family |
| Annual plan maximum | $1,750 |
| Routine oral exams | 100% |
| Preventive: two cleanings/routine office visits per year* | 100% |
| Restorative fillings | 80% |
| Simple extractions | 80% |
| Periodontic services | 80% |
| Crown, bridge & dental implants | 50% |
| Endodontics (root canal) | 80% |
| Oral surgery | 80% |
| Complete/partial dentures | 50% |
| Orthodontics (up to age 19 on Enhanced plan) | 50% up to a $1,000 lifetime maximum |
| Space maintainers | Not covered |
| * Four cleanings for patients with certain medical conditions | |
Contact your carrier
You can contact UK Dentistry or Delta Dental with questions about your dental plan. Our team is also available to answer questions about enrollment and eligibility.
Contact our office
Monday through Friday from 7:30 a.m. to 5 p.m.
(859) 257-9519 option 3
benefits@uky.edu
112 Scovell Hall