Dental Plans with Some Teeth

Dental needs tend to change as your family changes. Will your dependent need braces in 2027? Will your troublesome wisdom teeth need to come out?

These questions can help you decide if you need to change your Dental Plan election during Open Enrollment for 2027 benefits from Oct. 12-23.

Review Your Options

U-M offers three Dental Plan options through Delta Dental of Michigan:

Option 1 provides coverage for checkups, cleanings and X-rays. For most faculty, staff and retirees, the university pays the full premium. You are responsible for minor and major restorative services.
Option 2 is an enhanced version of Option 1, with more coverage when services are provided by a PPO dentist. Example: Basic services such as fillings and root canals are covered at 100% when using a PPO dentist, compared to 60% coverage when using a Premier dentist.
Option 3 provides 100% coverage at PPO and Premier dentists for diagnostic, preventive and basic services, and 50% coverage for major services (crowns, dentures and implants).

View the Summary of Dental Plan Benefits chart for coverage details about each option.

Will your child have their first dental check up in 2027? Remember to enroll them in a dental plan during Open Enrollment.
Will you or your covered dependent(s) need a dental service next year? If you’re enrolled in dental plan Option 1, consider enrolling in Option 2 or 3 for greater coverage.
Do you plan to retire next year? Make sure to enroll eligible dependents on your dental plan.