Click on the plan name to read the comments received.

Delta Dental generic
Delta Dental PPO
Delta Dental Premier
Dental generic
Health Partners Dental
Health Partners Dental Choice
University Choice (Delta)

Delta Dental generic – 2007 comments

 

1/7/2008 3:21 PM:

 

I'm an out stater, my Delta card says Delta Dental Premier/PPO

 

I got this from another member of the Extension Staff Consultative Committee, and did not receive your bulk e-mail, although I've been U staff since 1996.

 

My only issue with Delta was this past fall when I called them to ask how much of the $1250 I had left for this year so I could plan whether to have the needed crown done or wait for the 2008 benefit year. Since they only send EOB's when there is a co-pay, I did not know how close I was to max'ing out my year's allotment of dental benefits.

I was told that there was enough left so that I should only have to pay the 20% co pay of $159. Imagine my surprise when I received their EOB saying I owed about $400. Luckily, I had all but $113. of that left in my FSA, but still that unplanned amount coming out of my budget right before the Christmas holidays put a crimp in things.

When I called, it turned out that the person who originally helped me hadn't managed to subtract carefully and misjudged how close I was to the max yearly benefit.

 

 

1/7/2008 6:10 PM:

I had no difficulty with my Delta Dental insurance this year and appreciated that

 

1/7/2008 6:28 PM:

As a whole, I am happy with my experiences with Delta Dental and my dental benefits.  I do wish, however that there was coverage for adults who wish to get and would benefit from braces.

 

 

1/8/2008 5:53 AM

I have Delta Dental PPO or Premier (the ID card doesn't say which it is, just reads "Premier/PPO" and group number 006090-0106) and I am perfectly satisfied with the coverage and service from Delta Dental.

 

 

1/8/2008 7:30 AM: Email said Delta Dental Premier/PPO

I have been MOST happy with this plan.

 

 

1/8/2008 8:16 AM: (referred to OHR Benefits)

I am commenting on my experience with Delta Dental.  About 3-4 months ago I needed to have a crown put in.  The Dentist was not able to determine whether I needed a root canal or just a crown.  They referred me to a specialist who determined that a crown would be sufficient.  Delta Dental refused to pay for the referral to the specialist, they said they do not pay for consulting services.  I was billed $120.  I found this to be very frustrating.  If the Dentist doesn't have the skills to make the correct determination, why am I punished for their lack of skills.  Secondly, all of them were wrong.  They put in the crown and now I am still suffering pain in the same tooth.  Now according to the insurance plan with Delta I cannot have any work done on that same tooth for two years or I will have to pay the total cost out of pocket.  Other than coverage for regular preventive check ups I think all of our Dental plans are very weak.

 

 

1/8/2008 9:00 AM:

Last year I was enrolled with Delta Dental.  My only frustration is the maximum limit they put on the amount of coverage you have.  Unfortunately, I had to have a root canal, a crown and regular check-ups which meant I paid more out of pocket.  If there is a way to select increased coverage to eliminate out of pocket that would be more beneficial.  You can't often predict what dental care is needed and it would be worth it to me to pay a higher premium.  It would be peace of mind.

 

 

1/8/2008 9:01 AM:

We have been very pleased with Delta.   They cover what they say they will.  It is seamless with our dentist's office (Dr. Harrison on Como Ave.).

 

1/8/2008 9:02 AM: 

We have had no problems with the dental plan - great service. Has met my families needs.

 

1/8/2008 10:01 AM: 

I have Delta Dental Premier/PPO, but I think the problem is the same in all plans. There is an annual limit, $1500 I think, on the amount paid out. Some years when I have just routine care, the payout is nowhere near the limit, but other years it becomes a significant factor. Sometimes I have rescheduled a major procedure such as a crown replacement or bridge to the next year. This leaves some of the past year's maximum unused. In other cases, I have gritted my teeth (so to speak) and gone ahead, knowing that I would have to pick up almost all the cost.
 
 
Major dental work can be unpredictable. If you knew ahead of time when a crown would break, or a root would abscess, you could plan the treatment to take best advantage of the financial aspects. But that is seldom the case.
 
Of course every plan has to have limits. That's the only way to keep cost manageable. But if the limit were a three-year running average, let's say, rather than a rigid annual limit, it would be a lot easier on patients whose needs fluctuate from year to year.

 

1/8/2008 10:06 AM:

My coverage has been excellent!

 

1/8/2008 10:31 AM:

I have Delta and have been very pleased with the service.  IÕve had no billing or coverage problems in this past year or in years prior.

 

1/8/2008 12:08 PM: (referred to OHR)

Overall, Delta Dental provides very good routine dental coverage for the cost.  However, in Crookston, there is only one provider who actually will accept the insurance, which really limits our ability to seek dental care anywhere except with the one provider.
 
Also, orthodontic coverage is poor because of the lack of providers in the area.  Even Grand Forks, which is about 40 minutes from here, doesn't accept the plan.  It is very frustrating.  Now, I will end of paying 50% of orthodontic treatment instead of 80%.  I guess it is better than nothing, but I just wanted to share some of the frustrations from the Crookston campus. Also, reimbursement for orthodontic care has been a very frustrating.  Takes a long time to get money from them.
 
Thank you for your time.
 

 

1/9/2008 12:07 PM:

I am satisfied with the plan.  Glad I have it.

 

 

1/9/2008 4:12 PM:

To Whom It May Concern:

I choose to see a non participating provider for some of my dental treatment.  Unfortunately, the out of network benefits are lousy even for a periodic exam.  I have also had a crown done previously by the same provider and the payment made by Delta was embarrassing.

 

I do appreciate the fact that we have access to dental coverage, and while I realize insurance companies are in business to make money, their allowables for non participating provider vs a participating provider is terrible.

 

 

Please feel free to contact me if you have further questions.  I work at the School of Dentistry and have been dealing with some aspect of dental benefits (insurance coverage) for patients here at the School for 9+ years.

 

1/11/2008 6:03 PM:

I've had no trouble at all with claims with Delta Dental.  Would be sorry to lose them.

 

 

1/13/2008 8:09 PM:

I have not had any problems with the Delta Dental plan.

 

1/15/2008 11:52 AM:

I have only positive comments.  I have my work done at Boynton and have not had any problems with coverage.  The care has been very good.

 

1/24/2008 10:48 PM: 

Only one nitpick about the Delta coverage, and it's tied to the ADA'a

problems with defining how exam codes should be used and by whom. Delta will cover 4 perio preventive maintenance procs a year (04910, I think), but only 2 exams (00120). But my perio folks always do and bill for an exam along with the perio proc. Their billing consultant says to do it that way. Delta implies that they shouldn't, but pays whatever exams come to them first. And so my general dentist's exam may or may not be paid for depending on when it occurs. Also the exam that goes with one of my 3 perio procs.
 
I'd like to see a depending-on-circumstances in the contract.

 

 

1/29/2008 2:23 PM:

I am past the deadline for comments on the UPlan dental plans, but I do have a question: I am wondering what the difference is between Delta Dental PPO and Delta Dental Premier (besides the price). I go to Associated Dentists in St. Paul, and my dentist is not listed in the Delta Dental PPO list, so I have to pay more and use Delta Dental Premier.

Delta Dental PPO – 2007 comments

 

1/7/2008 3:12 PM: 

I am a full-time faculty at the School of Dentistry and have a current concern with plans offered and providers. Last year Faculty Practice at the SOD ceased providing for Delta Dental PPO.
 
As a faculty at the SOD I would like to be able to see my fellow faculty members with the insurance options that I have selected but am no longer able to. The faculty provider for my children only accepts Delta Dental PPO in private practice.
 
This is a minor concern but I felt it applied to the opinions polled.
Thank You.
 
 

1/7/2008 3:12 PM:

Delta Dental PPO

I signed up for this plan because the dentist I planned to go to was listed in the provider directory, however after my appointment I found out they were no longer participating in the program and therefore my insurance covered nothing.  I contacted Delta Dental about this and they said their provider directory is not accurate and therefore it is my responsibility to check with my dentist's office to find out whether or not they accept my insurance.  Being a new employee of the University of Minnesota I figured the directory would be accurate and feel as though since the directory can be found online that the information should be updated regularly.

 

 

1/7/2008 3:15 PM:

I had Delta Dental PPO last year and I had a bad experience with coverage. I have been going to the same dentist since I was 17 years old and when I switched to the University's Delta Dental PPO I asked the receptionist at my dentist if they accepted my plan. She said yes and I had two appointments there in the spring. Then suddenly during the summer I received a huge bill from the dentist for my two visits. I called the U of M Delta Dental helpline and it took them forever to figure out what had happened. They finally told me that I had no coverage with my dentist and I had to pay everything out of pocket. Because of this incident my husband and I have not gone to the dentist since then even though we were due for a cleaning this past fall. We did not want to spend the time trying to find a different dentist to go to because I knew that I would be able to switch dental plans in 2009. We probably both have some extra cavities because of this, but the dental coverage network is difficult to navigate. We are planning on going again next week now that I am paying more for the better coverage, but everything turned out to be a pain. Also, they send me new dental coverage cards quite frequently and that is confusing as well...

 

 

1/7/2008 3:35 PM:

I have the Delta Dental PPO, and I have been very happy.  I don't have a lot of dental problems, so I am happy with my semiannual cleanings.  Last year I was referred once to an oral surgeon for a mass in my lower jaw, and there were no problems with insurance claims or anything.  I was able to find a dentist close to my residence and am very happy with the service I receive.  I find the premium reasonable, too.

 

I hope you receive many positive comments about the Delta PPO. Thank you

 

 

1/7/2008 3:54 PM: 

I have been very satisfied with my dental insurance plan.  In one instance, I had a dental health concern and contacted my dentist and insurance provider to address the question and was allowed to make two visits both fully covered.

 

 

1/7/2008 4:25 PM:

I have coverage for Delta Dental PPO for my son and me.  I have been very satisfied with the plan.  We have not had any problems or issues with our dentist or the billing process.

 

 

1/7/2008 5:09 PM:

I have Delta Dental PPO. My biggest problem with the coverage is that they don't offer good coverage for composite fillings. Most good dentists prefer not to or flat out refuse to put in metal fillings anymore. Some dentists find them unhealthy as there is lead content in them and they don't last as long and often crack. This leaves me covering most of the fillings I need because my Dentist at Boynton strongly suggests that metal fillings are a bad choice and an unhealthy one. I think there should be a larger amount covered for something that is becoming a standard of care.

Thanks

 

 

1/7/2008 5:12 PM:

I have Delta Dental PPO, and while I'm happy with the ROUTINE coverage of 6 month checkup and cleanings, I'm frustrated with how much caries are to fill. Very little is covered aside from routine care.

 

I'm grateful to have dental coverage, but it'd be nicer if more was covered. For example, most dentists ROUTINELY will not put in silver/mercury cavities, and only routinely place in tooth-colored cavities. Instead, Delta Dental PPO only covers it for silver, which is then deducted from the tooth-colored cost. The savings is minimal, and it should be mandatory that they cover what is ROUTINE (i.e., tooth-colored).

 

 

1/7/2008 5:44 PM:

I really liked the low cost of the Delta Dental PPO.  However, I did run into one problem while I had that coverage:  I switched dentists and discovered (after getting a filling) that my new dentist only uses composite fillings, but my plan only covered amalgam fillings.  I donÕt know if itÕs possible to add coverage for composite fillings while keeping the low cost, but IÕm sure IÕm not the only one who would appreciate it if it can be done.

 

(In the meantime I have switched to one of the other dental plans that does cover composite fillings, because this is the first good dentist IÕve had in years and I donÕt want to stop going just because of the type of fillings she uses.)

 

 

1/7/2008 6:08 PM:

Hello, I have had two pieces of dental work done under this scheme in 2007. I am from the UK so was slightly surprised that the dentist felt the need to obtain confirmation that the insurance would pay before starting work. They did pay for both items and I was satisfied with the results.

 

 

1/7/2008 6:58 PM:

I had Delta Deltal PPO last year and didn't realize it did not cover white fillings. Neither did my dentist (they assumed that everyone had the Premier) and I got hit with an $800 bill. I don't know why the PPO is even offered, since the difference in cost with Premier is small but the difference in benefits is huge. Also, people like me who get the different ones confused can really get killed by their ignorance. Needless to say, I have Premier this year.

 

 

1/7/2008 8:52 PM: 

This plan has worked well for me and my children. Thanks.

 

 

1/7/2008 9:00 PM:

As of this year, the dental clinic at the University hospital no longer accepts Delta PPO, only Delta Premier, which is the more expensive coverage. My guess is that the their services are more expensive. It did create somewhat of an inconvenience to find other doctors and move records. Not a huge deal, but I would have preferred if I didn't need to move

 

This may not be the type of comment you were looking for, but for the small chance that it is, I thought I would air it.

 

 

1/7/2008 10:15 PM:

Plan: Delta Dental PPO

Negative Comment

We were surprised that nitrous oxide is not covered for children receiving fillings.

 

 

1/8/2008 7:01 AM: 

I have Delta Dental PPO and am happy with it.

 

 

1/8/2008 7:13 AM:

I have Delta Dental PPO and have had a good experience with the plan in general.  I have not had to contact their office regarding billing questions, there haven't been any billing errors, I am able to stay with the dentist office my family has been using for 10 years, and coverage seems to be very good, with little or no out of pocket expenses thus far, beyond what is deducted from my paycheck.

 

 

1/8/2008 7:18 AM:

Delta Dental PPO has been awesome to work with!  When you call, you actually get to talk with a live person and the answers they have given me have always been accurate.  My dental office has never had issues with claims not being paid.  I am very satisfied with them and I give them an excellent rating.

 

 

1/8/2008 7:18 AM: 

I am very satisfied with my Delta Dental PPO and to date I have had no concerns.  I only hope that my dentist remains in this particular plan.

 

 

1/8/2008 7:56 AM:

Delta Dental PPO

My one complaint with this program is that it does not provide adequate coverage for current standard of care materials for routine fillings -- which are the white fillings, not the metal amalgams.  Some providers do not even offer the amalgams, and so I think it is ridiculous that the care plan is so far behind the standard of care.

 

 

1/8/2008 8:00 AM:

I have Delta Dental PPO.  I am very satisfied and hope it continues.

 

 

1/8/2008 8:05 AM: 

My wife and I have utilized the Delta Dental PPO plan multiple times over the past year and we have not had any problems with coverage.

 

 

1/8/2008 8:15 AM:  (referred to OHR Benefits)

Because of the reduced benefit level, my dental office stopped carrying PPO.  In addition, the one dentist who was in the plan took another job.  I've been with this office 10 years and didn't want to change dentists, so essentially I was without coverage for the last 3 months of the year and I hoped that no dental work needed to be done.

 

 

1/8/2008 8:17 AM:

I have Delta Dental PPO and use Boyton health service as a provider and have been very pleased with the service.

 

 

1/8/2008 8:30 AM:  (referred to OHR)

I am very satisfied with this plan and extremely glad to see coverage for dental implants (I've waited to replace a pulled tooth for about seven years and now have the implant).
 
My only comment is that the plan pays 80 percent for crowns but when a crown is installed as part of a dental implant, they will only cover 50 percent. As the implant work is a separate entity, done by a different practitioner, that coverage could be treated at 50 percent without also reducing the coverage for the crown (done by the primary dentist). That part should be covered at 80 percent.
 
Thank you for soliciting our comments.

 

 

1/8/2008 8:31 AM: 

Dental PPO does not cover "white" fillings, which is outrageous in my opinion.  I switched to HP and delayed my dental work because of this fact. Everyone knows that "silver" fillings don't last as long and they also leak heavy metals, such as mercury. I was disappointed in Dental PPO.

 

 

1/8/2008 8:32 AM:

I am, for the moment, quite satisfied with the plan.  This is directly related to the fact that I am quite happy with my dentist, and his hygienist.

 

Thanks for the opportunity to comment on the Delta Dental PPO plan. My plan covers my husband, two young sons, and me.

 

Overall, we have been pleased with our dental coverage. I recently had to have emergency dental surgery, and felt that our share of the payment was quite reasonable. We've found it easy to identify competent dentists in the plan and in our part of the city, and the plan's processing of benefits has been prompt and accurate.

 

If we could make one suggestion, we'd like to see better coverage for preventive dental care. An example: Our plan covers two visits per year for cleaning and exam. But one member of our family needs to see the dentist for care three times a year (this has been the case for several years, even when we lived in another state). Currently, the plan does not acknowledge the dentist's recommendation for more frequent cleaning, nor the patient's acknowledgment of the need. We pay for additional visits out-of-pocket, or get reimbursed from our health savings account.

 

If you have any further questions, please feel free to contact me.

 

1/8/2008 8:47 AM: 

I was very pleased with the plan. It was easy to find a provider near me, the billing was handled without any hassle, and the coverage was what I expected from reading the plan materials. My family had no negative issues.

 

 

1/8/2008 8:48 AM:

We have the Delta Dental PPO. It has been perfectly fine for routine dental visits, and we have not used it for anything else (thankfully).

 

 

1/8/2008 8:52 AM: 

I am very happy with my plan and especially with my provider.  I went to Apple Dental in Coon Rapids.  I had not been to the dentist for a few years and was very nervous - I have double coverage with Delta Dental also having coverage through my husband.  I had one broken filling I knew of and figured with having double coverage they would "find" other things that needed to be done - they didn't!  I honestly have had that happen before in the past (not with coverage through the U or Delta Dental).  My claims were handled quickly and the EOB easy to read - I am very pleased with the coverage, the cost of the coverage to me, Delta Dental and my individual provider.

 

 

1/8/2008 8:55 AM: 

I'm happy with the overall service associated with this plan. The only change I would like to see happen is that Delta Dental offer some type of adult orthodontics coverage. Please let me know if you have any further questions regarding my comments. Thank you and have a good day.

 

1/8/2008 8:57 AM:

I hope I read Gavin WattÕs e-mail correctly that I am to share my experiences with you. I just wanted someone to know that this year I switched from Delta PPO to Delta Premier because

 

1.     so few dentists will service people with Delta PPO. I called several dentists who would bill Delta Premier but not Delta PPO. I wasted time going to out to a new dentist whose appointment person didnÕt know the difference and I was told they wouldnÕt accept Delta PPO when I arrived.

2.     I finally found a dentist who took PPO, I liked him, he did some work for me, and then he dropped PPO.

3.     The only place I think that will really take it is Boynton.

 

I have inherited gum disease and therefore dental insurance is extremely important to me. I had a dentist in Northfield, I continued to see after I moved to Minneapolis. Because I consider the UÕs insurance so good, I decided to go to a dentist closer to work / home. When I attended the Benefits Fair, people basically told me the 2 plans were essentially the same. They are not under PPO and I hope other people with similar experiences who canÕt find dentists or are dropped because of PPO will write in.

 

I appreciate being able to comment. I really appreciate my benefits and working here.

 

 

1/8/2008 9:09 AM: (referred to OHR)

I had a cavity filled last month - first one in over 35 years. I was shocked at how little the insurance covered.

 

It turned out to be a moderately large filling and my dentist put in the white ceramic filling material. Insurance discounted the $225 filling to $95, because they would only cover the amalgam filling material and then covered 80% of that.

 

So in the end, they only paid only $75 on a $225 filling, leaving me with $150 out of pocket! I think that is outrageous, when it is not new technology or material has clear benefits. The ceramic is not only a cosmetic solution, but due to the size of the filling it allows much improved durability, and also allowed the flexibility to patch not only the ground out cavity but also areas of de-calcification of that tooth along the gum line, reducing sensitivity to cold.

 

I was very disappointed in the coverage. Since I hadn't had a filling in so many decades, I never considered that aspect of coverage when selecting a dental plan, and unfortunately, I had the filling in Dec., after open enrollment was over.

 

1/8/2008 9:10 AM:

I have the PPO with Delta Dental. I have mixed feelings with my plan. I like how I can change my dentist each year but I do not like it that each tooth is being kept track of. I have to wait 2 years for some work to be done on a tooth if I already had work done on it. This should not be. I also just had a dentist close by me cancel with Delta Dental. That is not a good sign to me. I'm not sure what is happening.

 

1/8/2008 9:11 AM:

I am pleased with the Delta Dental PPO benefits.  A dentist that my daughter left in 2005-06, because he was not a preferred provider, was added for 2006-07 and she was able to return to this dentist, who sheÕd had since she was three years old (sheÕs 12 now).

 

I experienced the need for a dental implant last year and am glad that almost half of the cost (which was more than $3,000) was covered by dental insurance.  It was a huge financial commitment personally, but I really had no interest in having a ÒhillbillyÓ smile the rest of my days.  Raising the coverage to $1,500 this year will help many employees, IÕm sure.

 

Thanks for the opportunity to share some positive feedback.

 

1/8/2008 9:21 AM:

My only problem with the Delta Dental PPO plan is that it seems like it isn't accepted anywhere. I have been to a couple of dentists, one in Eden Prairie where I have gone since I was a child, and one in Richfield, where my fiance works, and neither of them accept Delta Dental PPO. This is frustrating because then I have to go to a dentist who has no idea of my dental history.

 

1/8/2008 9:21 AM:

After years of straightforward service with Delta Dental, I failed to realize that the low cost Delta Option would not cover my regular dental office.  I have been paying out of pocket since.  While this is entirely my fault for the over site when renewing my application, it might be nice to have a little more emphasis on the limited options for the low cost Delta plan.

 

 

1/8/2008 9:30 AM:

I had negative experiences with the Delta dental ppo--this was family coverage for my spouse and two children. Specifically:

 

1. I'm sure I checked whether our dentist was included in the plan before I downgraded from the more expensive Delta plan (to save money--I think the premiums are rather high), but apparently this changed sometime between my checking and when family members actually visited the dentist, because we found out when we got the bill that we had no coverage. Do we have to check everytime we visit the dentist to make sure they are still on the plan?

 

2. I was unaware when that when I got fillings Delta only provided coverage to a certain level and everything beyond that is from your pocket (this is with the ppo plan only). I go to Boyton where I think they are providing services at a reasonable cost, but Delta's reimbursement was laughably low, leaving me to foot the bill.

 

I have been forced to upgrade to the more expensive Delta option since the ppo option was totally unacceptable--I was afraid of what expenses we might get hit with if we had to undergo something more complex than just a filling, but even with the upgraded plan I am still very unhappy with the high cost relative to the low level of coverage. Why is it that our family spends far more on our teeth than on the rest entire rest of our bodies (our medical coverage is excellent)?

 

Thank you for gathering these comments--this signals to me that there must be some concern about Delta Dental within the UM community and I'm glad that this is on the radar screen.

 

1/8/2008 9:30 AM:

I have going to Metro Dental and its predecessors for my entire life.  I've never had a problem with how Delta Dental has facilitated that connection.  In fact, I've been happy that Delta Dental has provided some limitations on the amount of service Metro Dental can provide.  I'm happy getting X-Rays every 2 years instead of every year as my provider would like.  There have been other areas where the provider has suggested aggressive approaches, but admitted that Delta Dental might not support them.  At age 65, my teeth are in good shape and I don't need or want excessive treatment.

 

1/8/2008 9:40 AM:

Just one comment - expand the lifetime limit on orthodontic services (Delta Dental PPO).

 

1/8/2008 9:44 AM:

I am enrolled in the Delta Dental PPO plan. In 2007 I needed periodontal care in addition to regular cleanings. I found the administrator to be helpful in answering questions and prompt in making payments, so I am pleased with the plan.

 

1/8/2008 9:52 AM:

I just have one concern regarding the PPO option.  In 2007, I was forced to change dental providers twice as smaller dental offices are no longer able to keep up with costs given the reimbursement amounts they get from PPO option patients, so for 2008 I have switched to the Premier option in order to still be able to see a dentist in a smaller office with a better quality of care than a large clinic, which I would be forced to do if I had stuck with the PPO option.  I would urge the University to let go of the PPO option as the base plan, as it is not reimbursing dentists enough to cover costs.  Thank you for taking my input.

 

1/8/2008 9:56 AM:

I believe I had Delta Dental PPO last year. My comments are:

 

Very good service--was very pleased with the coverage of my 2 basic cleanings (all I needed).

 

However I switched dental plans for 2008, to a plan covering white (instead of silver) fillings for all teeth if I need them in the future--as I was surprised to learn that Delta PPO would only cover silved fillings in back teeth. My dentist said he won't even insert silver fillings any more--too dangerous.

1/8/2008 10:01 AM: (referred to OHR)

In 2006 I chose Delta Dental PPO as my dental plan for the 2007 calendar year.  I only chose this plan after diligently exploring my options, spending several hours reading the material and confirming with my dentist that they took this insurance. 

 

My hard work and diligence went to waste.  Several weeks after a routine visit with my dentist, I found out that they in fact did not accept this insurance.  I had to pay for my visit out of my pocket and never used the insurance that I paid for the entire year of 2006.  Mainly because there was only ONE dentist that took this insurance in my area and I heard bad things about them from another employee.

 

I had thought that this mistake was due to my dentistÕs receptionist misinforming me, however, this year when I received my card and read the name of the plan I elected, I thought there was a huge problem, because it said ÒPPOÓ (this is what my dentist said that they donÕt take).  I contacted the Benefits Office and they said that it wasnÕt a mistake, and that I was in the Delta group with the WIDEST coverage range.  I could now see how confusing the NAMES of the plans were and how my dentistÕs receptionist would have told me that they took Delta Dental PPO in 2006 when they actually didnÕt.  IÕm sure she was as confused as I was.

 

I think the lesser of the Delta plans should be eradicated, since there arenÕt many dentists that take it.  However if it is kept, itÕs important to have very different names for the two plans to alleviate confusion. 

 

1/8/2008 10:30 AM:(referred to OHR)

I don't have the time to comment fully on this last year with delta dental PPO. But will briefly explain here what a living nightmare the interface between the U of MN's cost cutting measures, delta dental and Health partner's medical has been for my family.

My son needed and still needs extensive work done on his teeth. Between the U of MN dental school, the U's apparent over ride of HP policy that children over the age of five (which is over the age of 12 for health partners in general) and the lack of The U of Mn's dental school having anyone to help line up insurance, and interface with HP medical. I have been fighting sometimes on the phone daily for over SIX MONTHS to get approval and payment for my six year old to have rotting and abscessed teeth taken out of his mouth.

The U's denying payment for anesthesia for a six year old to have 2 hours worth of painful surgery is draconian and cruel.

Funny part is I am paid such a low wage at the U that financially I qualify for FREE medical coverage through the state, who would allow this procedure, however I cannot get state health insurance because my employer offers it at quite a high cost. Yes it would almost make more sense to quit and go back on Minnesota Care so my children can get adequate health care coverage.but that would make me a bad mom wouldn't it.

So I continue to call during lunch breaks and such hoping that the teeth in my sons head don't abscess and cost us another expensive visit to the emergency room great Job U of MN, Delta Dental and HeathPartners. I'll be praying for single payer insurance

Please understand that I am primarily a reasonable and friendly woman but as a mom I am at wits end with this situation.

I realize that you , whoever you are, are not the problem but am hoping you will pass this information on to whomever makes these decisions.

thanks

 

 

1/8/2008 10:35 AM:

I have Delta Dental PPO. (referred to OHR)

 

Worked great - never had to worry about it.  The only comment is that when I first got the card there is nothing stating that it is coverage for my whole family. This lead to one billing issue for my wife. Can they correct that?

 

 

1/8/2008 10:38 AM:

First, let me say there was a good step forward this year with increasing the maximum benefits for this plan but I want to quickly add that it was not near enough.    One root canal and the whole thing is shot and there is not even enough left over to help with a crown that is often necessary with a major procedure!  Even my dentist commented that my plan has a very low maximum benefit.  My plan at a previous employer had a $2500 maximum annual benefit. 

 

The other area that needs to be reassessed is the maximum benefit for orthodontics for kids.  It is almost laughable itÕs so low.  The cost for these services continues to increase yet the maximum benefit for this stays the same.  Once you pay the full 20% co-pay and then apply the benefit it paid for less than ¼ the costs. 

 

I personally would be willing to pay a slightly higher premium in order to get some better benefits.  I understand not everyone needs orthodontics or has major dental issue so maybe there can be an option of higher premiums for those who will want to use orthodontists and/or want higher coverage in order to cover major costs.  People could opt into those higher premiums for a year or two when they need them and then switch back to a lower premium when they donÕt.  Now with annual elections for dental, which is a great improvement, this is possible.   One size fits all definitely does not work for dental issues.  For years we got by with a couple of cleanings a year and an occasional cavity.  Now as my child and I both age we have greater needs.  There will come a time again IÕm sure when I wonÕt have as much.  Being able to adjust plans accordingly would be great.

 

Thanks for the opportunity to provide feedback.

 

1/8/2008 10:39 AM: (referred to OHR)

Input regarding Delta Dental PPOÉ.in general very good coverage.  However, the plan allows for only two general prophylaxis appointments per calendar year.  Having a gum issue, my dentist requests that I have this procedure on a four month recall.  The policy only covers 2 per year.  It would be very beneficial to work toward extending coverage for this upon request of the dentist.  (They will cover a 2 additional periodontal prophylaxis, but my situation is on the edge and considered preventative.)  This amounts to an additional $165/yr. out of pocket cost.  WhatÕs ironic is that if I didnÕt do the two extra cleanings/checks requested by Dr.,  I would likely soon qualify for the full scaling as the situation would be accelerated.  Kind of a counter-productive policy.

 

1/8/2008 10:44 AM:

My dental plan is with Delta Dental PPO and I have had no issues with them.  Our family visits are typically routine and preventive care.  Years prior both my husband and son had orthodontic work and the plan covered the maximum amount.  We just planned for the out of pocket cost through the Unviersity's HCRA.  It worked wonderfully for us and was a great experience.  Thanks for the opportunity for input!

 

/8/2008 11:04 AM:

I have had Delta Dental PPO for several years now.  Overall, I have been satisfied with the plan.  However, outside of the normal biannual cleanings and a couple fillings, I did not have extensive work done.

 

1/8/2008 11:19 AM:

I suspect you are getting bombarded.  My major problem with the delta dental PPO was that 2 of our dentists were originally part of the plan and then subsequently bailed out the following year.  They both continue to take premier.  The end result.....we've switched to premier.  The other end result was foregoing cleanings.  Perhaps if everyone has the better coverage (more provider choice) it would ultimately be cheaper?

 

1/8/2008 11:22 AM:

I am extremely satisfied with service and coverage of Delta Dental PPO.

 

 

1/8/2008 11:25 AM: 9 (referred to OHR)

Per your request, I'm giving my feedback on Delta Dental PPO, which I have had for one year:

 

The coverage is pretty good and the payments are very affordable.

Two comments:

 

1. My dentist (at Metro Dental Care) convinced me to allow them to administer an oral rinse to check for oral cancer. He said he didn't know if it would be covered, but told me that 30% or so of people that get oral cancer are not tobacco users. Of course I was fine, and of course it wasn't covered. It was only $50, but I probably wouldn't have agreed to it if I knew it wouldn't be covered. I would like Delta Dental to distribute information on this sort of thing so I can make informed decisions. They must not consider the rinse to be worth it for them (probably because oral cancer wouldn't be covered by dental insurance, but instead by medical, so the preventative benefit doesn't benefit them). I just wish I knew why some dentists provide/push the rinse, while others don't use it at all.

 

2. It would be great if the "Explanation of Benefits" letters I get in the mail were written in layperson terms. I got quotes for a few different options, but because the different procedures were in dental jargon I didn't know which was which, and thus, which I should go with. The two options were simple silver fillings vs. white fillings.

 

Thanks for taking the time to get feedback!

 

1/8/2008 11:30 AM:

Our family (me, my wife and 5 kids) have Delta Dental PPO. WeÕre happy with the coverage and clinic choices. The area that is most helpful to us and probably a number of families is the great rates we get for services like crowns, root canals, filings and all. We know how fortunate we are and hope the great prices can continue.

 

WeÕre very happy with Delta Dental PPO and the U of M and advisory committee for pushing for competitive pricing! Thanks!!

 

 

1/8/2008 11:36 AM: (referred to OHR)

I had no issues or problems with dental care in 2007, but I had only one routine maintenance visit to judge by.

 

I am dismayed that I had to pay more to see my dentist, who I've been seeing for 30 years, than the base plan. He's no more or less expensive than any other dentist; it's ridiculous that I had to pay a higher co-pay to see a local, established, competent dentist.

 

It's also disturbing and confusing that there are so many Delta Dental options: Delta Dental PPO, Delta Dental Premier, Delta Dental this, Delta Dental that. It's difficult to chose, difficult to know if you've made the right choice, difficult all around. And just to make it totally stupid, the details of the various plans changed in 2008, so to keep the same plan you maybe had to choose a different Delta Dental Option. Or to choose a different plan you had to choose the same.

There's got to be a better, simpler, more cost effective way. Thank you for asking us.

 

 

1/8/2008 11:38 AM:

My Dental Plan for 2007 was Delta Dental PPO.  I was very pleased with the plan, the coverage, co-pays, and service from my regular dentist and oral surgeon to whom my daughter was referred.

My only suggestion is the annual limit for coverage be increased in the future to $3,000.

 

 

1/8/2008 11:54 AM:

I have Delta Dental Premier PPO and my experience has been excellent!
Thank you,

 

 

1/8/2008 12:05 PM: (referred to OHR)

I enrolled in Delta Dental PPO, and on 11/20/07 I went to Austin Family Dental L.T.D. (1360 Energy Park Dr. Suite 140 Saint Paul MN 55108 Phone: 651-641-1908) for my first appointment for a routine exam: the routine exam ended in a full series of x-rays, and a full oral evaluation. At the end of this first routine exam Austin Family Dental diagnosed me with gum disease (trying to scare me, in order to accept further treatment) and came up with a ÒTreatment PlanÓ of a Total Cost of $840.00, that they urged me to sign and accept it, and fix two further appointments of 1.5 hours each, each costing $420, of which $336.00 would be covered by PPO Dental and $84.00 should be paid each time by myself. They urged me to sign this Treatment Plan, telling me that they were leaving PPO Dental at the end of December 2007 and I had to accept this treatment as soon as possible. Feeling pressured, I told them I had to discuss this cost with my husband and I left, keeping the copy of the Treatment Plan, which I still have in my possession.

 

When my husband and I received the bill by mail, we had been billed for $169.00 ($98.00 for the x-rays, $51.00 for the complete oral evaluation, both covered by PPO Dental, and $20.00 for ÒPerioMedÓ, not covered by PPO). I called Austin Family Dental and asked about that $20.00 expense and they said it was for a non-prescription Oral Fluoride Rinse, that they had given me at the end of my exam, in a small plastic bag, hidden among freebies (a toothbrush, a small toothpaste, some floss). I asked them why they had not explicitly told me that they were going to charge me for this product, and they said that they apologize, but they did not offer any reimbursement. I further searched this issue on the internet and found out this is a common rip off in dental practice.

 

Thank you in advance for your attention to this matter, please contact me if you need any further information.

 

1/8/2008 12:39 PM:

My only comment is that it would have been nice to know that the dentist that I have had for years with this same insurance was no longer going to accept PPO. I don't know who should have notified me of that: Delta or my dentist, but I would have changed plans if I had known in advance. I just assumed that I would be able to continue to see my same dentist. It's disappointing.

 

 

1/8/2008 12:43 PM: 

We have "Delta Dental PPO" for myself and my family.
 
Generally, I have been satisfied with it.  The one thing that I think would be really helpful would be to increase the number of preventive cleanings that are covered by the plan.  The current plan of twice in a calendar year is both too few and a pain to keep track of.
 
More preventive care decreases the number of crises that have to be covered and therefore decrease the total health care costs.  My teeth and gums are healthier with three (or even four) professional cleanings per year.  However, the current plan only covers two.
 
The current plan only covers two in a calendar year.  That means if I get on in January, one in July [based on the current requirements of 2/year] and then accidentally arrange for one in December, they won't cover the December cleaning.  But they will if I wait a day later for

January.
 
Other than that, we have been satisified with the plans.

 

 

1/8/2008 12:52 PM:

Hello. I have Delta Dental PPO.

One comment I have is that preventive fluoride treatment for adults is not covered by the plan. I havenÕt heard a convincing reason why fluoride is not needed for adults (my dentist always recommends getting it), and hope that this preventive care will be covered in the future.

Thank you

 

 

1/8/2008 1:34 PM:

delta dental ppo is fine. no problem.

 

1/8/2008 1:47 PM:

I have Delta Dental PPO. I have been very pleased with my coverage and the number of dentists in the network. The cost of the plan is also reasonable.

For many years we had few claims except for dental cleanings, etc. Howevery, over the last year my husband had extensive dental work done and my daughter just got braces and needs to have oral surgery to have teeth extracted.  While we are still paying significant amounts of money with both of these, our costs are a lot less than most people I know due to our good coverage at the University.  I am also thankful for the family coverage option, which was not available at my previous employer.

As an employee and a supervisor, I consider these types of benefits a major recruiting and retention initiative for employees. I know it's the reason I am here and plan to stay. While other employers may offer more money, our benefits are far superior. Thank you.

 

 

1/8/2008 2:45 PM: 

I have been fully satisfied with my dental insurance.  For this year I did switch to Delta Premier - for minimal additional cost and a bit more coverage.

 

 

1/8/2008 2:50 PM:

Delta Dental PPO

I just wanted to comment that I have had nothing but positive experiences with my dental plan. They offer a wide range of dentists in my plan and the coverage is outstanding.

Thank you for gathering feedback.  

 

 

1/8/2008 4:02 PM:

I was disappointed that the Delta Dental PPO plan did not pay for white fillings, only amalgam fillings.  My dentist used only white fillings, so we had to pay a few hundred dollars to make up the difference!

 

 

1/9/2008 10:59 AM:

Comment on my Dental Plan. I really don't have many comments on my plan. I have found that it has covered everything I need and find the prices to be reasonable. However, I would fear an increase. As I age I have discovered the true fragile nature of my teeth. I know I will eventually need a crown and well 80% of a crow is still very steep for someone who makes less than $30,000 a year and is starting a family.  Not to mention, as a child I went through having braces etc. - my teeth were perfect, now as I age and form cavities I have found it difficult to cover the cost of the white cavity fillings. They really should be covered in the same manner. It seems ridiculous that you spend all this money to fix your teeth only to find that white cavity fillings are not fully covered. Finally, in the age that most people have had orthodontics at some point in their life I think some orthodontics should be covered for adults. Not necessarily braces, but say being refitted for a retainer. You mouth continues to change with your body and seems natural that insurance would cover some of this as well. Overall, I am happy.

 

 

1/9/2008 11:20 AM: 

I have the Delta Dental PPO plan. I think this plan (the cheapest offered through the U) should start covering white (composite) fillings at 100 percent on all teeth, front and back, as most of the other plans do. My dentist always recommends the composite fillings because he doesn't have to take as much of the tooth away -- just the decayed area.
One would think that the dental insurance companies would view this as a good thing! 
Thanks for allowing us this opportunity to comment.

 

 

1/9/2008 12:21 PM:

I have Delta Dental but since all the plans are pretty similar, I think my comments can apply across the board:

1.  Composite fillings should be reimbursed at the same rate as mercury.  As an institution the "U" should be advocating away from mercury use given its concerns about toxicity and as a global pollutant.

2.  Reimbursement for implants should be higher.  While implants are more expensive initially, they will save time and money over the long run because they are a longer term option for tooth replacement than crowns or bridges.  They better support the integrity of the oral cavity and are more comfortable for the patient.

 

 

1/9/2008 2:45 PM:

I have been covered under the Delta Dental PPO plan.  The primary user of dental services has been my husband.  I really have had no complaints about Delta.  The dentist's office left out needed information on 2 separate claims, resulting in a denial until I called in to clarify information for them.  The claims representative was pleasant and helpful.

 

 

1/9/2008 8:28 PM:  (referred to OHR)

I have in the past several years been enrolled in Delta Dental PPO plan and have been pleased with the coverage.  I did upgrade this year to Dental Premier mainly because they will cover porcelain for all fillings versus PPO only covering for front teeth fillings.

 

 

1/10/2008 11:55 AM (referred to OHR)

Delta Dental PPO - Uplan

I became eligible for insurance on Nov 1, 07. Prior to that my child had orthodontic care already in progress. I went to the health benefits fair. The info I received from the rep at the table and what actually happened with this transfer of service were two different things. The rep had stated that changing insurance with services like this were typical and switch easy from plan to plan and that I would be covered well, etc. I believe she stated that they would still use the original billed amount and pay the 80% of that. (This of course is not true) I understand that my situation is slightly different and confusing, but... HR did work extra hard to try and figure out my 2008 costs so I could claim them on flexible spending.

 

But to add to problems...  Even though the ortho care submitted the billing and dental plan's requested info several times to Delta Dental, they received no response. The accountant finally called and discovered that because of the timing of services, the next payment was not due until March and therefore they were not responding to the claim and were not going to send a payment until March, 08. In the meantime, my son is being denied clinic visits because of payments and claim problems.  Remember, my insurance started November 1.

 

So, I went in and made a $245 payment because they were not receiving payment or status info, and they would not see my son. Lucky for me (or unlucky), I had already used all my flex spending for 2007 and cannot claim the entire payment (which I may not have had to make if some type of response had been given to Ortho Care). Thank you,

 

 

1/11/2008 10:33 AM:

I have not had any issues with the Delta Dental PPO Plan that I am enrolled in. 

 

 

1/11/2008 10:33 AM:

To date I've been quite satisfied with my Delta Dental PPO plan and I've had it for many years.

 

 

1/11/2008 10:39 AM:

I imagine you get mostly negative comments. I however have mostly positive experiences with Delta and U plan. We have repeatedly heard how exceptional our coverage is for routine dental, repair and orthodontia.

 

One item of concern was our being 'made' to switch from Delta Dental PPO to Delta Dental Premier if we wanted to keep our family dentists. It seems Delta PPO is a very minimal coverage plan which our provider dropped as an option for continuation of service.

 

I hope this is helpful,

 

 

1/11/2008 2:39 PM:

Negative: They had my wife entered in their database as my daughter, causing a visit's bill to be rejected.

 

Positive:  They were friendly about fixing the problem.

 

 

1/11/2008 10:33 AM:

To date I've been quite satisfied with my Delta Dental PPO plan and I've had it for many years.

 

 

1/13/2008 11:45 AM: (referred to OHR)

Here's what I really think.  Whether it's fair I'll leave to you.
 
First, if you're reading this, thank you for doing this project and figuring out that this message applies, even though I did not follow the instructions and put "BAC Dental Comment" and the name of my plan in the Subject.  And that's part of the problem: we're too computerized.  In any case, my plan is "UPlan dental" according to my pay stub, and it's Delta Dental (the cheap one) elsewhere.  Last year I paid $1.40 for single-person coverage per pay period.  This year I pay $1.50.  I don't even have a dental clinic anymore. (I simply accept the fact that I have second-class medical and dental benefits.  The benefits may come in handy in emergencies.)
 
I pay more and more for second-class medical and dental benefits, and get less and less.  My original, non-Boynton dentist (the one I used to go to) doesn't even accept the "cheap" Delta Dental, the result being I switched to Boynton Dental Clinic (because it was on campus).  I sure as heck am not going to pay the $5/paycheck (approx.) for the "uncheap" Delta Dental.  (I don't need that much coverage; I try to take care of my teeth.)
 
Boynton was OK until they screwed up the billing.  THEY SCREWED IT UP. SOMETHING ROUTINE like UMN INSURANCE.  (My first medical-insurance benefits with Boynton were screwed up too.)  Boynton Dental Clinic has harassed me mercilessly for months.  The last communication was a warning that they would refer my case to a bill-collector.  At that I called them and left a voicemail (read them the riot act).  As of this writing, I don't know the status.  The problem here is not 100% with the patient.  The real problem is with Boynton and the computerization.  Apparently SOME HUMAN screwed something up with my insurance.  The result is the first bill (about $100 or something -- less than the FINAL bill TO ME) was not paid by insurance to Boynton.  The insurance company's computer (apparently) claims I cashed a check they sent to me.  I never cashed such a check.  Boynton's computer believes the insurance company's computer.  (Boynton covers its butt anyway -- says it's my responsibility to pay.  I don't buy that, because one reason I selected Boynton was it worked with UMN insurance.  That's a SERVICE I PAY FOR.  Someone should explain that to them, and to the people that make it more and more difficult to use health services.  The bureaucracy is so astoundingly complicated and convoluted it no longer makes health maintenance easy.  Heck, when I was in NY, I completely paid for a doctor visit.  I wouldn't even consider trying to get reimbursed.  The aggravation isn't worth it.  Or have you ever tried to get a prescription filled with RxAmerica?  I digress.)  The main point is NOT A SINGLE HUMAN BEING at Boynton looked at this case.  They merrily let computer talk to computer, and ultimately let their computer send out a series of dunning letters that were, in my opinion, nonsensical.  (What are we paying PEOPLE for?)  Their computer is now threatening me.  In my voicemail rant, I asked them: HAS THE INSURANCE COMPANY SUBMITTED PROOF that I took money from them (cashed a check)?  (They cannot, since I did not do that.  Unless said check has been stolen, etc.)  In any case, at some point the Boynton computer said I owed more.  Apparently if I have insurance, the max they could charge was about $100.  But without insurance, the max they can charge is $135.  So that's what they say I owe now!  The whole thing disgusts me.  Also, while I am an employee, they said they'd put a hold on my student record, which prevents me from taking classes (Regents scholarship).  I no longer consider Boynton my dental clinic; I don't have a dental clinic anymore.
 
In short, I am disgusted mostly with Boynton, and maybe not even the insurance itself.  I consider myself to have second-class benefits though. Even if they were first-class, they're still too complicated.  They are a necessary evil, but some years ago, the U's health plans went way downhill. Now the AHC thinks they own the U or something.  It's a very weird situation, if you ask me.  And it's the "little people" who are losing.  As you know, my costs just went up, and I no longer even have a dental clinic...that's the state of affairs at the University of Minnesota.

 

 

1/14/2008 11:28 AM:

 

Re: Delta PPO billing/claims experience:

I would like to see Delta be more efficient about paying providers directly rather than confusing issues with occasional payments directly to the patient, creating additional record keeping and time-consuming follow-up for both parties, etc. When the payment issue was finally resolved, no notice was received from Delta.

 

Additionally, the provision for only two cleanings per annum is not adequate for individuals forty years of age or older. Despite diligent oral hygiene and a willingness to undergo more frequent cleanings because seniors produce plaque more quickly due to dry mouth and/or other senior conditions, the delay can more readily result in root planes, surgery, or even tooth loss--not to mention greater costs for the plan.

 

 

1/14/2008 11:31 AM:

We didn't have any problems with our provider (Metro Dental Care) this year. We only had cleanings and there wasn't any problem with scheduling etc.

 

 

1/14/2008 5:18 PM:

I have the Delta Dental PPO plan, and it has worked great for me. I has great coverage and proves quite affordable. I am very satisfied.

 

 

1/15/2008 8:39 AM:

IN 2007 I had Delta dental ppo and in September I found that the dentists I have ;used would no longer except it . and thus it FORCED me to change to Delta Premier a more costly plan in order to maintain the contact with the dentists I have used for the past 25 years.  This was weird since according to the rate books as to coverage they are both the same .. yet the PPO plan seems to not be excepted, makes one wonder.

 

 

1/15/2008 10:28 AM: (referred to OHR)

Greetings.  I used Delta Dental PPO for my dental coverage in 2007.  It is horrible.  They didn't cover the percentage stated in the plan and I was forced to pay the difference out of my pocket.  I returned their survey expressing my unhappiness and didn't receive any feedback.  I don't use Delta Dental anymore.

 

 

1/16/2008 11:02 AM:

I have Delta PPO.  A couple of years ago I was forced to switch dentists since the plan no longer included my former dentist; however, it turned out to be a serendipitous change, as I found an excellent new dentist, Peder Morse.  In the past year I have been happy enough with the coverage.

 

 

1/18/2008 10:05 AM: (referred to OHR)

We are writing to you regarding our Delta Dental plan. We live in Western WI but work at UMN. We have a family plan with Delta and have for many years. Our ongoing complication with Delta is that even though our WI dental clinic is within the network, Delta continues to return our bills unpaid and deny payment on basic services. We are very careful to not go any more often than every 6 months for our basic check ups. We follow the plan carefully. Yet we are finding that more often we have to resubmit our forms 3+ times to get our services paid for through our plan.

 

If payment is made, it is often inconsistent. For example, sometimes Delta will send checks to our home for reimbursement and other times they will send checks to the dental office. If we go in for our basic check ups for our three kids, we might see full payment on one, receive a partial check for the second one, and be denied on the third-- even if it was exactly the same service on all three (cleaning).  Delta's reimbursement process is never consistent and makes it very frustrating for us to deal with each year.

 

Our dental clinic usually spends a lot of extra time helping us pursue our payments. Eventually Delta pays what we are due but it can take as long as 6 months. Usually about the time we have worked out payments for our check ups 6 months previous it is time to have check ups again and we start the whole billing nightmare all over again.  We have called Delta at least twice a year to remind them that our clinic is in the network and we have full coverage for basic cleanings. After arguing with me that our clinic isn't in the network, we point them to their website and show that we are indeed going to a Delta approved clinic within network for our UMN plan. This happens every year when they update their system and forget to include all of western Wisconsin with the network plan.

 

As another recent example, we just had our family's six month appointments in late December. We received 5 letters (one per person) denying covered and indicated that we are out of network, even though we are not and they have paid to this clinic for the past 7 years. We have 5 "payment denied invoices at our house that we need to address with Delta again. The problem described above has been getting worse each year. Before we were, every so often, told our basic check ups and dental work were denied but now we are being told this every time our clinic submits our check ups for reimbursement. The clinic processor is the same person as has always been there and is expert. She has been tearing her hair out over Delta for the last 2 years as they have been increasingly making these kinds of errors and denying payment, sending checks to clients, etc. Something at Delta has changed. We have been long time customers but have never had to deal with as many billing issues as we have these past few years.

 

Frankly, we do not have time to continue to fight for payment of our basic check ups and follow up dental work, but are forced to do so every time. We are wondering if we are being denied simply to make the process more difficult for us so that maybe we will choose to not file again for reimbursement. We are wondering what is behind this very poor service from Delta. What is the motivation behind it? Are they that disorganized or are they trying to save money by confusing their members?

 

We are so frustrated with Delta but appear to have no other options through the U that work for us as we are across the border. We need another option or FAR better service from claim processors at Delta.

 

 

 

1/18/2008 4:27 PM: (referred to OHR)

Following are some random thoughts (general in nature and not really related to each other)

 

1.) it has been frustrating to sign on to a plan for a full year (or two) and not have the participating dentists do the same thing.  They have the flexibility of 'opting out" at any time and leaving the customer 'high and dry.'

 

2.) best dental hygiene is not fostered as cleaning which is highly recommended by dental professionals on a three times per year basis, are reimbursed on a twice a year (max) by the plans.

 

3.) some pretty 'shoddy' clinics are included; much of the work done for my wife had to be redone when we found a good dentist.  The charges for the previously done work was neither reimbursed or applied to deductibles (as this was over a two year period.)

 

 

1/11/2008 12:47 PM: (referred to OHR)
I am so thankful to have the opportunity to share my opinions regarding the dental plan with you.
 
In 2007, given the changes to the dental plan, we had to switch dental care providers, from a small, local practice to a large, impersonal practice.  The new care provider, though larger, was always booked more than six months out and it was so hard to schedule a dental appointment.  As a result, my husband and I went a whole year without getting our routine dental cleaning done.  This defeated the whole purpose of signing up for a dental plan and may have even done some damage to our dental health.
 
In trying to cut costs, the University is keeping away better service providers and limiting the options that are available for their employees.  I am very unhappy with the options that are currently available to me.
Second comment same person 1/22/2008 9:55 AM:
The practice I wanted to be seen at is Park Dental at Minnetonka.  They are always over booked and make it very difficult to get an appointment.
 
Another interesting note.  This year I wanted to get an appointment with them early in the year and I called them.  While the receptionist was trying to schedule an appointment, she said there was a problem in our account.  Apparently some 4 years ago, I had overlooked a $27 invoice from them and we had gone into collection.  At that time, I agreed that was an oversight on my part and not a way to cheat them of the small amount.  But according to their policies, if you go into collection once, you are forever black marked and can never be seen at their clinic.  Thus we are not credit worthy customers!  This as a policy seems absurd.  I agree you need to ensure that your customers do not default, but even banks and credit card companies have processes in play to see how customers can come back if they do go delinquent.  Also, we are a family of four and I am sure we provide them with more business than the $27 that was overdue.  I see all this as very bad customer service and for a chain that is so large and well established, I think they are acting like "Big Brother".
 
All in all, I am very disappointed with their attitude, service and policies and I feel the U, as a big client should exercise some pressure on them to make changes so that they are more customer friendly.
 

1/23/2008 3:58 PM:

I have Delta PPO.  A couple of years ago I was forced to switch dentists since the plan no longer included my former dentist; however, it turned out to be a serendipitous change, as I found an excellent new dentist, Peder Morse.  In the past year I have been happy enough with the coverage. 

 
 

1/30/2008 2:51 PM:

I'm sorry this is late.  I have Delta Dental PPO.  In 2007, I maxed out my benefit and discovered that the maximum included preventive care.  It would be great if the cap did not include preventive appointments. 

 

Delta Dental Premier – 2007 comments

 

1/7/2008 2:46 PM:

Absolutely no problems with them.

 

 

1/7/2008 2:52 PM:

The 'amount allowed' in the plan is inadequate.  And as a result the 'amount paid' is inadequate.  I question why I stay in the plan.

 

 

1/7/2008 3:03 PM:

My dental needs in 2007 were basic and routine, but insofar as I used it, I was pleased and satisfied with the management of the dental benefit.

 

 

1/7/2008 3:09 PM:
Delta Dental- I got the coverage for the orthodontist coverage.  It is really good coverage.  I have two teenagers with braces.  The only negative comment I have is that it doesn't cover anybody over 18 for orthodontist.
I wanted to have some corrections done to myself but was not covered by insurance.
 
 

1/7/2008 3:29 PM: 

I have had very positive experiences with my dental plan in the last year.
 
 

1/7/2008 3:37 PM:

I have experienced no problems or concerns with the 2007 dental plans

 

 

1/7/2008 3:38 PM:

I have had no problems with this plan.

 

 

1/7/2008 3:43 PM:

I have been very satisfied with Delta Dental. Although the maximum annual was recently raised, it would be nice if it was higher (but without raising premiums)

 

 

1/7/2008 3:45 PM:

My plan is Delta Dental Premier.  I think dental veneers should be covered.  There are many dental emergencies where veneers are necessary.OR even if you don't have a dental emergency, and you have perfect teeth why not use your coverage to look better?

 

 

/7/2008 3:48 PM:

I had Delta Dental in 2007 and continued it in 2008.  I loved Delta Dental. I had a lot of work done on my teeth this past year, replacing amalgams with composites (because I tested high in mercury), and the coverage was excellent. I knew I would have some co-pays, but they covered more than I thought they would. Thanks.

 

1/7/2008 3:49 PM:

We have used Delta Dental Premier  for probably 18 years.  I only recently came to the University and have not noticed any change.  It has always been an excellent plan.

 

 

1/7/2008 3:52 PM:

I have Delta Dental Premier and I am very pleased with this plan.

 

 

1/7/2008 3:57 PM: 

Wonderful- no problems, seamless between myself, provider and insurance.
 
 

1/7/2008 3:58 PM:

My wife, <name removed> (U of M employee from whom you'll hear separately) and I have Delta Premier. With one exception, it has been fine. The exception is that our dentist has prescribed a device to prevent her from grinding her teeth in her sleep (it looks a bit like a retainer) which has lessened jaw pain and, in the opinion of our dentist, protects against damage to the teeth which are relatively fragile from extensive childhood fillings.  The device cost us about $500 out of pocket as Delta refused to pay.  The device helps and the dentist is not a fringe practitioner.  This is, essentially, preventive care, and seems to us something that should be covered.

 

I regret that we have to opt for the Premier coverage to get our dentist, but otherwise the arrangement has been OK.

 
 

1/7/2008 4:08 PM:

My husband and I are both at the U and both have Delta Dental Premier.  It has been pretty good over the years, but did not cover the very pricey prescription mouth guard that protects my teeth from breakage.

 

My teeth reflect a childhood without fluoride in the drinking water, combined with my dentist's two-year stint in the army.  The year or so after his return from duty was a dreary time of extensive tooth repair, which left me with massive fillings and fragile teeth.  Over the last 20 or 25 years, I've had most of these fillings replaced, several teeth capped after they broke under pressure, and two root canals.  I've had almost no new cavities since childhood, and today's problems almost all stem from my childhood fillings.  About 15 years ago, my current dentist prescribed a mouth guard for me to wear at night to prevent more breakage.  My 2007 root canal and resulting cap changed the size and shape of the old tooth,  changed its relationship to the other teeth, and made my mouth guard useless.  I needed a replacement ($540 full price), which Delta Dental did not cover at all.  My other Delta Dental coverage has been fine, as they covered 80% of any fillings and the root canal, but the mouth guard is important in preventing further damage to my teeth. It's not a frill and should be covered to at least some extent.

 

I hope this information will help with your decisions.

 

 

1/7/2008 4:07 PM: 

Plan has worked perfectly for us. We use Dr. Teilander in Edina, France avenue office.

 

 

1/7/2008 4:09 PM: 

The plan works fine. We use Dr. Teilander on France Avenue. The plan is a bit expensive but worth it.

 

 

1/7/2008 4:10 PM:

Comment RE Delta Dental Premier for 2007:

 

I was very happy. I go to a dentist who accepts the coverage. He is also a clinical adjunct of the dental school.

 

I didn't like the fact that Delta disallowed my "third" tooth cleaning in 2007 because I didn't check the date precisely and had the 3rd one within the year...off by a week. BUT.

MY wife has her own issue...she is a dental hygienist and goes to a dentist who DOES NOT accept the Delta plan payments. (Try to ARGUE THAT CASE.)

 

Thus, we've switched to University Choice in the hope that there will be better coverage for her.

 

 

1/7/2008 4:13 PM: 

I have had no negative experiences in the past year.  I suppose the absence of negative experiences counts as a postive experience.
 
 

1/7/2008 4:14 PM:

We have had nothing but great experiences using this program. Our dentists think the coverage is excellent, and since we are at an age there seems to be lots of old things to fix, it has been very helpful.

 
 

1/7/2008 4:27 PM:

Delta Dental Premier

I have only good comments about the service myself and my husband have had in the past year. This would include paying for some out of pocket expenses unexpectedly. 

 
 

1/7/2008 4:32 PM:

I have had no problems with my dental coverage with Delta Premier.  As far as I can tell, they process claims promptly.  My needs have been pretty routine, however.

 

 

1/7/2008 4:17 PM: (referred to OHR)

Earlier this year I had some difficulty with Delta paying my daughter's dentist for a routine examination. The dentist submitted the claim three times before it was paid by Delta. It was only because the dentist's receptionist knows us so well that she was as flexible as she was when it came to resubmitting the claim. When I called Delta myself (after the third submission of the claim), they had miraculously paid the claim earlier that day.

 

 

1/7/2008 5:01 PM:

Delta Dental Premier - my coverage

No complaints & I have seen the periodontist 2 times in 2007 and the dentist 3 times in 2007.

 
 

1/7/2008 5:17 PM:

Thank you for looking into this important issue.  I have Delta Dental Premier for my family's dental care.  The total out of pocket cost for the year for the plan on my pay stub is about $700.  Delta completely covers cleaning and check ups every 6 months.  However, they cover less than half of what the dentist charges for fillings, crowns, periodontal care, and other services.  Our out of pocket dental costs were about $1200 for 2007.  As I result, I have let my spouse and kids have dental care and have essentially ignored my care to 'save' money. 

 
 

1/7/2008 5:18 PM:

Re:  BAC Dental Comment/Delta Dental Premier

To this point, I have been very pleased with Delta Dental Premier.  Claims submitted by my dental office have been covered efficiently and promptly.  I am grateful for dental coverage, but continue to be concerned about how low our yearly coverage cap is. 

 
 

1/8/2008 8:06 AM:

We have Delta Dental Premier and have had no trouble with it.  One thing that I have a comment on is the dental cap of, I think it is $1200 per year per person insured.  In the last several years it seems to be low.  For instance if you have a couple of cavities and or a crown and root canal  you can easily go over the limit and have to pay out of pocket.  So, if you want feed back, the cap of $1200 is what I think should be increased.  If I remember correctly it has been that for quite awhile and "stuff" all around it has gone up. 

 
 

1/7/2008 7:08 PM: 

Have Delta Dental Premier and have never had a problem.  Plan to continue with it as long as it's available.
 
 

1/7/2008 7:19 PM:

We have Delta Premier and have been very satisfied with the plan.  Thanks for asking.

 

 

1/7/2008 7:29 PM:

My experience with Delta Dental Premier has been very positive.

 

 

1/7/2008 9:38 PM:

Delta Dental Premier- employee only

Overall I have been satisfied with my dental insurance, but this year there was a problem.  I decided to have a special treatment to prevent cavities and had to pay $80 out of pocket, since insurance didn't cover it.

 

 

1/8/2008 6:10 AM:

Like it very much.  I prefer to have a very broad choice of dentists in case of need when traveling.  And we prefer to choose our own dentist.  DDP pays promptly and is hassle-free.

 
 

1/8/2008 6:38 AM:

I am happy to see an increase in dental benefit money available in 2008.

 

Also,  I would like to see no limit on the number of teeth cleanings per year that Delta is willing to pay for.  My periodontist recommends 4 cleanings per year and Delta Dental Premier is only willing to pay for 2 cleanings. 

 
 

1/7/2008 10:20 PM:

Please continue access to a variety of dental insurance choices: This past year (or two) I had the Delta Dental Premier and was thankful that with that more expensive coverage I had greater choice in dentists. 4 years ago I made the error of selecting the lower priced delta and was ÒstuckÓ with access to only the dentist mills (large offices with many inexperienced dentists). I could not get through those 2 years fast enough to get back to my more experienced tenured dentist. My less experienced dentist made an error that cost me a root canal – that perhaps a more experienced dentist would not have made. Please do not limit our choice and continue to allow the more expensive option where I can get better dental care with a more experienced dentist.

 

The cap seems low for dental work. Last year I needed 2 root canals and caps – but stopped at one for I hit my limit for coverage. My dental office advised I wait 6 months to have the other work so I could use my insurance again beginning with the new insurance year. So – already January 4 I had the other cap put on. I do not think the ÒcapÓ for coverage is keeping up with the costs of dental work.

 

 

1/8/2008 6:55 AM:

I have had a good experience with my plan.  However, I did not have any serious dental problems.

 
 

1/8/2008 6:55 AM:

Delta Dental Premier

This is a terrific plan and possibly the best dental insurance I have ever had.  I have great coverage for my dental needs and those of my dependant that I cover as well.  I have used 2 different dental offices and have never had a problem using this dental insurance with either.  I pay very little out of pocket and couldnÕt be more pleased.  

 
 

1/8/2008 7:15 AM:

Thank you for the opportunity to comment on the dental plans. While I have been pleased and had no issue with the dental plan for myself, my comment or issue is the cost of including any other member of my family on the plan. The cost of adding my husband (who currently has no dental insurance and goes to the dentist one time per year for maintenance visits...) would exceed what he could directly pay the dentist for his annual maintenance visit. If we included him on my plan, we would only do it in case of a dental emergency..... So we chose to not participate - I would feel much more comfortable with him having coverage but the cost does not outweigh the benefit. 

 
 

On 1/8/2008 7:08 AM:

I have been using Delta Dental (currently Premier) for over 20 years and am rally satisfied with it. I get to continue to go to the dentist of my choice, in this case the same dentist I have been going to for over 20 years. 

 
 

1/8/2008 7:18 AM:

Just a note to let you know that my husband and I are very satisfied with our coverage.  We have our regular dental check-ups and cleaning appointments every 6 months and are grateful for the excellent coverage for this preventive care. 

 
 

1/8/2008 7:26 AM:

I have Delta Dental Premier.  Absolutely no problems.  I don't have to deal with any paperwork, and my bills are extremely low to non-existent. 

 
 

1/8/2008 7:27 AM:

I really like our Delta coverage. However, I wish they would cover sedation- seems somewhat medieval that people should undergo dental treatment with inadequate anesthesia, so we just pay out of pocket for that (for one family member who otherwise needs bone injections).

 

 

1/8/2008 7:37 AM:

I have employee plus dependent children dental coverage and I've been VERY happy with Delta for the following reasons:

1. I'm happy with having access to many dentists.

2. Last year there was a billing snafu with our dentist (Park Dental, the care provider) and after repeated promises by Park Dental's billing office to resolve the problem, I called Delta's member services and asked for help. I believe they were helpful in giving Park Dental a nudge because after they stepped in the problem was resolved. 

 
 

1/8/2008 7:42 AM: 

Imagine my shock when I found out that even though the U and I have paid dental insurance on me for 31 years - my new bridge is costing me $3500.00 OUT OF POCKET!!!!!! The insurance ought to cover more of the dental services.
 
 

1/8/2008 7:54 AM:

I have been satisfied with Delta Dental Premier as my long-term dentist takes this insurance.  When I needed a root canal, it was difficult to find someone who would take this insurance.  I did find a wonderful man who, I think, did a good job.  He was willing to work me in quickly as I had travel plans upcoming. 

 
 

1/8/2008 7:57 AM:

I have used my dental insurance once since I have just received it and have had no problems. I donÕt even remember seeing an EOB. I have no complaints on my end. It is easy to find out what is covered and what is not.

 
 

1/8/2008 8:01 AM: 

I have Delta Dental Premier and have had excellent service in the past year.

 

 

1/8/2008 8:10 AM:

Our family has the Delta Dental Premier.  We are very satisfied with it.  I know the max benefit did not cover the expenses we had last year due to some unusual circumstances, but overall we are very satisfied with the plan.  The orthodontic coverage is very nice! 

 
 

1/8/2008 8:09 AM:

We have had some services beyond preventive care and all were covered and paid as set forth in the policy without any extra effort on our part. I do wish that our low-cost clinic in Newport were covered under the base plan.

 

Thank you for your extra work on our behalf.

 

 

1/8/2008 8:11 AM:  (referred to OHR)

My husband and I are both University of Minnesota employees.  We have delta dental premier for a dental plan.  We were surprised and disappointed when our son's anesthesia was not covered when he had his wisdom teeth extracted.  The reason was because it was considered a "simple" extraction.  We thought we had checked on the coverage ahead of time, but apparently failed to ask all the right questions. I did call Delta Dental.  I can't imagine any wisdom tooth extraction being "simple."  I would appreciate any suggestions you might have.

 

 

1/8/2008 8:19 AM: (referred to OHR)

I currently have Delta Dental Premier, and here is what I would like to recommend.  This recommendation is for patients who have a medical necessity for having their teeth cleaned more than twice year (e.g. those with periodontal disease, etc.).  Why can't their be a Prior Authorization mechanism (just like prescription drugs) for patients who require this medically necessary procedure?

 

 

1/8/2008 8:22 AM:

I have no complaints; been seeing the same dentist since 1974.  Hope he doesn't retire!  I am single so the biweekly cost isn't a problem yet for me.  I found Delta Dental's website unuseful in the past; but see now that it has been redesigned.

 

 

1/8/2008 8:26 AM: (referred to OHR)

A problem I have had with Delta Dental Premier in the past two has been that I have exceeded the maximum benefit payable each of those years. The cost of dental services has risen so much that a crown and a root canal quickly exceeds that maximum. And two crowns plus a root canal, which I was unfortunate enough to suffer in 2006 left me with a $1500 bill out-of-pocket, which I had definitely not budgeted for.

 

And then I found out that had I been insured the dentist would have settled for about $800 for the root canal. Because my insurance had hit the maximum, they charged me the full price of $1500 for the root canal. If you are uninsured, which effectively I was after the two crowns, you get to pay the higher price, and with an abscessed tooth, shopping around for a better price was not an option.

 

1/8/2008 8:28 AM:

I had no problems with this plan last year.

 

 

1/8/2008 8:34 AM:

I feel I should probably abstain from any comment about this plan as I havenÕt used it in the past year.

 

 

1/8/2008 8:45 AM:

I have had this dental insurance for about 1-1/2 years. I've had standard care: teethcleaning every six months and an exam by the dentist once a year following the teethcleaning. I've also had significant insurance-covered work, in that I had the bad quality falling-out caps of my two front teeth replaced.

 

Delta Dental has been terrible to deal with by phone. Excessive perseverance and toleration of extreme rudeness have been required to receive accurate information from them about pre-approval procedure, covered services, and covered providers. I dread calling them. However, they have consistently and without incident paid my dentist the amount he is due.

 

 

1/8/2008 8:51 AM:

IÕm responding to an email from Gavin Watts requesting feedback about the dental plan I use.  IÕve consistently used Delta (mostly Premier, but one year I used the basic level).  In all cases, IÕve been very pleased with all elements of the plan: service from my provider, communication from the company when needed (donÕt think IÓve ever had to contact them about something), and smooth and accurate payment of charges to my provider.

 

 

1/8/2008 9:00 AM: 

History: dentist accepted, then didnÕt accept, now accepts Delta
 
I have Delta Dental Premier and have been very satisfied with the plan and administration.  I am able to go to my dentist I have always gone to and the bills are taken care of without any problems.  My biggest hassle over the past years is having to change dentists because my dentist felt he could not accept the number of patients that needed to be treated for lesser payments or free.  So for a few years I had to go to a different dentist in the area and when these issues were resolved and my dentist was back on Delta Dental I switched back. 

 

 

1/8/2008 9:04 AM:

I have Delta Dental Premier and was fully satisfied with their services this year.  Claims were paid in a timely manner.

 

 

1/8/2008 9:08 AM: (referred to OHR)

I am overall satisfied with my dental plan.  However, I have periodontal disease which requires more frequent and extensive cleanings to reverse or slow the progress of this disease.  Currently my plan covers 2 cleanings a year.  My dentist has recommended that I receive a cleaning every 3 months for a total of 4 yearly.  Being that my plan only covers 2 yearly I have to pay for 2 out of pocket.  I feel that this should be covered because it is dentist recommended.  I am not getting 4 cleanings a year because I want to. I am getting them because this it what is necessary to reverse or at least slow the process of my periodontal disease.  I feel that these extra cleanings should be covered and I should not have to pay for them out of pocket.

 

1/8/2008 9:16 AM:

I have been very satisfied with Delta Dental Premier coverage.  I like the flexibility of selecting dentists and the coverage.  Because of a recent move I had to change dentists and was surprised to find they treated the insurance coverages differently.  My former dentist reduced her charges to the amount Delta actually pays for a particular procedure.  I basically had no out-of-pocket costs for dental care.  My new dentist does not reduce his charges that much, so I do end up with out-of-pocket expenses.  I assume that is okay, but it was a surprise. Other than that, no issues for me.

 

1/8/2008 9:24 AM:

As a new employee at the U of M, I've had Delta Dental Premier coverage since Oct. 1, and I am very pleased with it.  So far, they have covered all appropriate charges.  There were some additional services that I checked into that weren't covered, but since the procedure is somewhat experimental, I thought it was reasonable and expected that those charges were not covered.  I'm a satisfied consumer!

 

1/8/2008 9:26 AM:

My husband and I are very satisfied with Delta Dental Premier and hope to keep that as our permanent dental plan. We would rate Delta Dental Premier as excellent in all aspects. Thanks.

 

 

1/8/2008 9:28 AM:

Thanks for the opportunity to comment on my Delta Premier Plan. I have been a member of Delta for many years prior to my employment with the University. I would offer two comments 1) the amount of coverage versus member responsibilty for none preventive work is too imbalanced with the member paying alot out of pocket,2) the annual spending limit in the past has been too low. The increase in the total cove rage level seems more fair.

 

 

1/8/2008 9:32 AM:

The cap is far too low.  It has not gone up while I have been at the U. At the same time, dental prices have risen significantly.  Each year, my out of pocket rises.

 

 

1/8/2008 9:34 AM: 

I have Delta Dental Premier and I am satified with the coverage and plan.

 

1/8/2008 9:35 AM:

I am writing positively about the dental benefits that I and my daughters enjoyed over the past year.  My 12-year old has braces and the coverage for orthodontics is very good. 

 

I never had a problem with receiving an Explanation of Benefits in a timely manner or a mistake in coverage.

 

I have changed to Delta Dental PPO this year and have include my husband on the plan.  This will be cheaper premiums for us.  Premiums are higher with the Premier and I am not sure why.  Coverage is pretty much the same between Premier and PPO.

 

1/8/2008 9:41 AM:

The $$ coverage overall is too low for the costs we incur.  The out-of-pocket costs can be a hardship at times during the year.  I also have a flexible spending account, but can only contribute $400 annually.

 

I would like to ask the committee to consider negotiating an "optional, reasonably-priced additional coverage" plan that would assist with the expense of crowns and implants for example.

 

Thank you for the opportunity to provide input.

 

1/8/2008 9:41 AM: 

With the Delta Dental Premier, I have only had one visit/check up and cleaning under this plan and I didn't have any problems using their service. I will again be going in for a check up and anticipate an easy visit with Delta Dental coverage

 

1/8/2008 9:50 AM:

 

I have had a positive experience with my dental plan.  The difference between the PPO plan and the Premier plan is sometimes confusing within the literature, even the literature available from Delta Dental, because sometimes the plan is referred to generically as ÒDelta DentalÓ although there are differences.  But in general I find the plan satisfactory.

 

/8/2008 10:01 AM: 

I have Delta Dental Premier.
 
The dental coverage for routine dental work is fine.  The coverage for "non-routine" work (crowns, root canals, implants, etc.) is very poor.  To have a maximum of 2500.00 per year is ridiculous.  My work for the year 2007 would have totaled 8,000.00 and I could not afford to have it done because of the poor coverage.  Dental coverage should be similar to medical coverage and have higher limits for people who have something happen and need to have extensive work done.  Thank you for giving me an opportunity to give comments on our dental plans.

 

1/8/2008 10:02 AM:

Overall, IÕve been satisfied with Delta Dental Premier, but I wish that the coverage for implants was more generous.  (IÕve had two in the last year.)

 

Also, this plan apparently only covers one Panorex x-ray per year.  My dentist required four.  At $110 a pop, this diagnosis aid can be expensive.  When I asked the clinic bookkeepers about appealing to Delta, they told me that the company is pretty firm on this rule.

 

1/8/2008 10:14 AM: 

Delta Dental premier
Positive experiences
Improvements?
*Higher per year allowables

*More orthodonture coverage

 

1/8/2008 10:16 AM:

I have been very pleased with the coverage from my plan. I think it's Delta Premier.

 

1/8/2008 10:23 AM:

I'm perfectly content with Delta Dental Premier/PPO. The premium is reasonable. Due to medicines I take for my epilepsy, I need extra periodontal care, and Delta has consistently covered it. I haven't had any fillings in 30 years, and no bridge work, so I can't comment on that. Many, many dentists (including the office I've been going to for at least 20 years) accept Delta. Please keep them.

 

1/8/2008 10:28 AM:

I have had no problems with dental coverage and I am very happy that routine check ups are fully paid. Minimum paperwork with Delta Dental Premier---very good.

 

1/8/2008 10:38 AM: (referred to OHR)

I've been working with Delta Dental Premier for 10 months, trying to get my sons braces claim processed correctly.  Admittedly it isn't a clean cut claim, because the braces were put on shortly before my coverage became into effect, and my prior dental plan was also through Delta Dental Premier, and they paid a small portion of the claim.  Delta blames the dental office and our dental office consistently says they have done everything Delta has requested...yet I still haven't seen an actual EOB.  I am not sure where the fault lies, but it has been very frustrating.

Also, I'm not sure if this is standard, but it is not convenient for DDP to pay the final payment to the dental office after the braces are removed.  As a client, I have to have my bill paid in full several months prior to that...so then I will end up with a substantial credit at the dental office.  And even if the dental office cuts me a check, I still have to find a funding source to pay the bill in advance.

 

On the positive note, I am very happy that they pay up to $2800 for braces...that cuts the total bill in half...thanks!

 

1/8/2008 10:51 AM:

I have had a good experience so far with this plan.

 

1/8/2008 10:52 AM:

I have had both delta dental ppo and delta dental premier. I prefer the premier plan and I've had great experience with it.

 

1/8/2008 10:54 AM:

I haven't had any problems with the plan that I can remember.  My complaints would be on level of coverage.  I seem to get through the annual maximum of $1500 pretty quickly, and a 50% reimbursement on "major restorative care" seems low relative to other coverage at 80%.

 

 

1/8/2008 11:12 AM: (referred to OHR)

I am responding to your request for input on the Dental coverage the University offers.  On the whole I find the Delta Dental Premier plan very good.  However, I cover my husband on this plan and he has very compromised health issues.  He is required to have his teeth cleaned every three months due to being a two time kidney transplant and diabetic patient.  With our current plan, he is only allowed a cleaning every six months.   I would like to see this changed, based on patient needs.

 

I'm not sure this is something that can be accomplished, but it would certainly help those patients in need of multiple cleanings on a yearly basis.  I'm certain there are periodontic patients that require additional cleanings..

 

Thanks for allowing us this opportunity.

 

1/8/2008 11:23 AM: (referred to Gavin Watt)

I take it that January 18, 2008 is the real deadline for comments about 2007.

 

Jill Stoltenberg (Primary Dental Care) and Paul Olin (Restoration Sciences) are as good as it gets.  She not only cleans my teeth (for years now) but teaches me how to take better care of them--and explains why I should, which is interesting as well as useful.  Paul Olin has twice stepped up to do minor "restorations," both of them (I think) in 2007.

 

My only complaint has nothing to do with them but with the (U of M's?) practice of identifying "practice" as grandly and so as vaguely as possible--unless the reader happens to be one of the practitioners.  And by "you" I don't mean the readers of my complaint: "Benefits Advisory Committee" is about as clear as possible in identifying this quite grand and useful purpose. Thanks for listening.

 

1/8/2008 12:01 PM:

I am writing to say that I have had good experience with Delta Dental Premier, because my dentist is proactive and checks out how many people of his patients will be covered with this insurance.  And I do have to say I check it out that the plan I am on will be covered by my Dental Office.  From what I hear that isn't always the case.  At the health fair here at UMD the people from Delta are so helpful and nice.

 

Can you tell my experiences are good.

 

Thanks for sending me the opportunity to do this.  I do try to follow through and fill out these kinds of opportunities.

 

 

1/8/2008 12:04 PM:

This plan needs to have a much higher maximum payment than the $1000 per insured per year.  The costs of dental have gone up a lot and the maximum was not raised.  The small raise for 2008 is still not enough. 

I would suggest when there is a family plan, that if one has very high expenses in one year, that there be an option to borrow some from another person in the plan.

 

The notes that they use to explain rejection or modifications are too cryptic.  They can use regular sentences and be fine instead of numbers.

 

The maximums may be ok for someone who has had good care of teeth in early days, but are not good for us older folks.

The deductibles are high too for anything that is at all expensive like crowns which we frequently need.

 

There should be some coverage for adult straightening of teeth.  This is not just cosmetic, but helps so much in being able to eat correctly.

 

The best thing to do is to wrap dental care in with health care. We do not separate out foot care and eye care, why do we separate out dental care? Why do we need a completely separate system with all the costs of administration.

 

1/8/2008 12:18 PM:

The dental plan that I have is Delta Dental Premier for family coverage.  I am very satisfied with the plan.

 

1/8/2008 12:45 PM:

Just a note to say that I have been very happy with my Delta Dental Premiere plan.  My main concern is that my Doc be in-network and that the plan include provisions for any emergency dental work.  I have excellent teeth and no real issues with non-routine dental work.

 

1/8/2008 1:27 PM:

I am totally satisfied with the Delta Dental Premier plan.  It pays promptly and pays more than most dental insurance plans.  I have been enrolled in Delta Dental since it became available to U of MN employees and have very good experiences with the coverage.  I have worked at the U of MN since 1966.

 

 

1/8/2008 1:55 PM:

This plan has been great. I haven't had any problems.

 

 

1/8/2008 2:24 PM:

I have had no complains with Delta Dental PPO/Premier.  We have only had to do cleanings this past year though.  My dentist accepts them and bills are paid promptly. 

 

 

1/8/2008 3:17 PM:

I am satisfied with my plan.

 

 

1/8/2008 3:54 PM:

Below are my comments regarding dental benefits and experiences, etc. for use in the BAC review.

 

As my dentist in not covered in either the Health Partners plan (which I use for medical doctor coverage) or the Delta PPO plan, I use the Delta Premier plan. I would not like to switch dentists but also do not want to pay super high premiums for his care. Therefore I encourage the committee to continue to negotiate such that I can retain both my specific dentist and coverage at affordable rates. I am not interested in switching to another plan if my specific dentist in not in that plan.

 

 

1/8/2008 4:10 PM:

I have used this plan for the past several years and have always been satisfied with the service I have received.

 

 

1/8/2008 4:49 PM:

I have Delta Dental Premier and have had many issues with respect to my account number getting muddled to the point that any claims submitted under my account number were rejected due to Delta claiming the account did not exist. This happened 3-times in the last several years and I had to jump through many hoops to get it resolved. According to the the people her at Employee Benefits, my requesting to remove use of my SSN was what caused the whole slew of problems.

 

1/8/2008 5:16 PM:

This plan worked fine for my spouse and myself this past year.

 

 

1/8/2008 8:16 PM: 

I have been very happy with Dental Dental Premier-  no problems with the providers I chose (3 practices), good orthodontic and prophylactic coverage.

 

 

1/9/2008 6:50 AM:

I think the dental coverage is excellent.  That is one of the reasons I came to the University of Minnesota 30 years ago.

 

 

1/9/2008 8:49 AM:

I love the Delta Dental Premier dental plan.  I wouldn't suggest changing a thing.  It is a wonderful benefit and a great plan.

 

 

1/9/2008 10:01 AM:

No concerns. Happy with the premium and service.

 

 

1/9/2008 10:23 AM:

I have been very pleased with the Delta Dental Premier plan, never seeing any bills and never having any problems, even in the case of having a crown put on the could not be documented via x-ray – something my dentist told me might be denied.  It wasnÕt.

 

 

1/9/2008 10:34 AM:

My experience with my dental plan coverage at the University has been positive.  Some of this might have to do with the clinic that I've selected, but I haven't had any payment problems or coverage issues.  I had a son go through the orthodontist process and I was happy to get the benefits that we received--as I understand it 80% of the payment for treatment is one of the best benefits available.  Frankly, this level of benefit is a "plus" to employment at the U.

 

 

1/9/2008 11:15 AM:

I have Delta Dental Premier

Well its better than nothing!  Typically when I needed a new crown the "allowed amount" by Delta is always exceeded by the amount billed by Metro Dental.  Sometimes I get stuck with the difference and other times I don't seem to.  Thank Heavens I don't have to have root canal or anything like that as the yearly deductible wouldn't cover it..

 

I am not sure what the answer is.  I wouldn't mind paying a bit more for more comprehensive coverage.  I am not wild about the idea of health savings accounts.  It just continues the shift from insurance to individuals taking on the risk.

 

 

1/9/2008 4:12 PM:

To Whom It May Concern:

I choose to see a non participating provider for some of my dental treatment.  Unfortunately, the out of network benefits are lousy even for a periodic exam.  I have also had a crown done previously by the same provider and the payment made by Delta was embarrassing.

 

I do appreciate the fact that we have access to dental coverage, and while I realize insurance companies are in business to make money, their allowables for non participating provider vs a participating provider is terrible.

 

Please feel free to contact me if you have further questions.  I work at the School of Dentistry and have been dealing with some aspect of dental benefits (insurance coverage) for patients here at the School for 9+ years.

 

 

1/9/2008 3:05 PM:

I currently have Delta Dental Premier and I love it.  I haven't had any concerns about the plan, the coverage, my dentist, or the amount that I pay for services.

 

 

1/9/2008 4:40 PM:

It is human nature to generally only acknowledge dissatisfaction. This is not such the case w/me. I have been very satisfied w/this dental plan especially since it has allowed me to keep going to my dentist and his practice. I have been a patient of his for 40 years (I was seven the first time I went to him-he's been my only dentist my entire life)! My dentist, a few years ago, finally hired a young dentist/ business partner (he and the "heir apparent" are both graduates of our university's dental school).

 

If university employee coverage, w/Delta Dental Premier, continues to be made available, I will then become the younger dentist's patient, once the baton has been passed and my dentist retires. Having dentist (s) I can trust and dental coverage, for whatever work may need to be done, and, knowing that if I was told work needed to be done, that that was indeed the case, has given me tremendous peace of mind through the years. Thank you.

 

 

1/9/2008 5:28 PM:

We have been in Delta Dental for years, last year my dentist was forced to drop Delta Dental PPO and we had to go to Premier. Now we are finding that they will not pay for a crown more than once every few years. I had a crown break off last spring and the cost of a new one to replace it is prohibitive as I had another tooth crowned earlier in 2007, so I must go without or pay an exorbitant amount.

 

What I would be willing to do is pay a much larger premium, even double the present premium if I could get some sort of "higher limit" dental plan.

 

 

1/9/2008 10:08 PM:

For the 2007 year, we had no problems.  In 2006 it took awhile for them to accept the claim (though only for a routine cleaning), but that wasn't an issue in 2007.  They are always very helpful.  We (fortunately), typically only need cleanings and routine checkups, so we don't have alot of experience with them.

<name removed> (my husband is the U of MN employee -- <name removed>)

 

 

1/10/2008 9:21 AM:

I donÕt have much to say about my dental plan other than my husband and I have had good luck with it since weÕve had it.  I feel itÕs reasonable. No negative comments.

 

 

1/10/2008 1:21 PM:

I'm on Delta Dental Premier. I use the dental clinic at Centennial Lakes. My experiences this past year (2007) and in previous years have been uniformly good.

 

 

1/10/2008 1:42 PM:

I have Delta Dental Premier and am pleased with it.

 

 

1/11/2008 8:02 AM:

I would like to express satisfactory service from the dental plan that I have, Delta Dental Premier.  The only complaint is the difference in cost between this plan and the UniversityÕs Base Delta Plan.  I feel there are too few dentists in the UniversityÕs Base plan compared to the Delta Dental Premier plan.  I also feel the difference in cost is to far apart.

 

Besides the cost, I have been satisfied with the delta plan.

 

 

1/11/2008 9:55 AM: (referred to OHR)

I have been having problems with billing for my domestic partner on my dental plan. The last three claims have each been denied since he was coded as my son.  This first occurrence, Delta Dental told me it was our dental office error in billing.  We spoke with the dental office and told them what Delta Dental told us.  The second occurrence, Delta Dental once again said it was our dental office error and we again spoke with the staff from the dental office.  This week we received another denied claim because my partner was listed as my son. The dental office showed the claim with "life partner" highlighted and circled to my partner at the dental office when the service was provided.  When I spoke with Delta Dental yesterday, I was told the problem was with our dental office again.  I told Delta Dental we had seen the claim form with the highlights and circles and then Delta said it must be the dental office's electronic entry service.

 

We will speak with the dental provider again but it is becoming very frustrating for us and our dental provider. I have never had any problems with my Delta Dental claims.

 

 

1/11/2008 2:46 PM: (referred to OHR)

Interesting this questioneer should come along when it did.

 

Last November I changed my plan from Delta Dental PPO to Premium.  To date I have not received a new card nor any acknowledgment of the change.  What do you think of that?

 

 

1/11/2008 3:24 PM:

I would like to report that I have been very happy with my Delta Dental Premier coverage. I have never had a problem getting coverage or having them pay the dental provider. I had to prepay some oral surgery and received my reimbursement within a month. IÕve had some gum issues and they covered getting an electric toothbrush plus increasing my visits to every three months with the dentist until everything is back on track. The dentist and I have seen progress, so it is working!

 

 

1/13/2008 7:53 AM: (referred to OHR)

I have Delta Dental Premier.  Service is good with my providers and I have no big issues.

 

My husband has periodontal disease and must get his teeth and gums cleaned four times a year, instead of the typical two.  Even with a long standing diagnosis (15+ years) and documented medical necessity, Delta Dental denies coverage for the third and forth cleaning every year.  would be nice if they covered this medically necessary procedures.

 

Thanks for opportunity.

 

 

1/13/2008 9:59 AM:

My comments on my dental plan are brief.  I am completely satisfied with the plan.  I have received excellent service both in Minneapolis and out of the region, and I have never had any problems with claims.

 

 

1/8/2008 6:52 AM:

I am most satisfied with my dental program and have had no problems with it.

 

1/8/2008 6:29 AM:

I do not have any specific issues with my dental plan this past year.  The service I was provided was excellent.

 

1/14/2008 2:05 PM: (referred to OHR)

Thank you very much for dealing with all of our feedback. I only used my Dental Plan twice: once to get my teeth cleaned - which was nice, and fully covered; and once to get a filling - for which unfortunately, I had to pay more than half out of my own pocket. I am in my second year at the University of Minnesota, and in my fifth year working in the United States. Before that, I worked in Germany, where the standard health insurance included the coverage we receive in our Dental Plans. For a small extra amount, we were able to obtain complete full coverage of any and every dental expense we would ever have. Now, I am not sure whether - and at what cost - such a service would be available; but the fact that even for a simple filling, I already had to copay almost $200.00, does not make me look forward to eventual larger expenses...

Thank you very much for your time - I greatly appreciate your efforts.

 

1/15/2008 8:45 AM: 

I have the above plan and have been very happy with it.

 

1/15/2008 9:33 AM:

The annual cap is way too low. The cost of two crowns, one involving a root canal, will far exceed the annual cap. The dentist is listed on Delta's website as a Delta Premier dentist. The dentist office estimated my out-of-pocket cost to be about $2,000 (two thousand dollars), total for the two. Besides the routine exam with x-rays, this is the only work I will have had in two years.

 

1/15/2008 12:31 PM:

My experiences thus far (joined in Fall 206) have been mostly positive.  There was a slight snafu last spring where for some reason my coverage did not automatically roll over from 2006 to 2007 but that seemed to be more of an issue with UMN Human Resources than Delta Dental itself and it was resolved with minimal fuss.  I have not had any major procedures done - just cleanings and a filling replacement, but so far so good in terms of claims being accepted.

 

1/15/2008 1:50 PM: (referred to OHR)

I like Delta Premier as a whole.  I was disappointed in the coverage for sealants.  I also have had trouble with my daughter who is a student and getting them to pay for her visits.  I have sent several sheets to them stating her status as a student and they have denied her coverage.  I also would like to be able to see the claims online but they have a security screen on that I cannot see my minor childrenÕs records.  Thanks

 

 

1/16/2008 11:35 AM: (referred to OHR)

Hello,

My dental plan is Delta Dental Premier/PPO, primarily because I'm a Crookston campus staff person and didn't have any other choice. I actually transferred to Mpls in September, but am on a one year leave from UMC, so stuck with this plan.

 

I have a few issues:

1) Limited dentists participate in this plan, especially in Crookston.  I know of one person who needed a root canal and opted to pay for it 100% rather than wait in pain until he could get in to a DD provider!

 

2) Since my transfer, I visited the Phillips-Wangensteen clinic and have been very pleased with my services.  The dentist even examined/adjusted my bite since I was having jaw pain from clenching at night...but the grinding (adjustment) of the molar was NOT covered under my plan.  It was an extra $100 I wasn't expecting to have to pay which threw off my budget for the month.  When I asked if the cost could be reduced, they said the range was from $60 to $600!  Glad they didn't charge me more!  Luckily, I had some funds left from my flexible spending account.

Thanks for listening!

 

 

1/16/2008 3:04 PM: 

I have Delta Dental Premier with family coverage. It is great. We get to go to the dentist we want to see - different for family members.
 
My only thought is that as people get older (like me) it would be a fabulous benefit to be able to get 3 cleanings covered per year as we try to maintain our lovely gums.

 

1/16/2008 3:55 PM: (referred to OHR)

This is a reply regarding the dental coverage in the UPlan. I am a faculty in the <department name removed>. In 2007 by wife needed to have an imbedded wisdom tooth excised because of pain and infection. Delta Dental Premier refused to pay for anything regarding the procedure. We sent an appeal, but it was still denied.

 

 

1/16/2008 4:42 PM:

I have had no problems.

 

 

1/16/2008 5:15 PM: (referred to OHR)

I have to have one implant because other options are not feasible. It will cost more than the annual limit for reimbursement and implants are not included on the list of coverages.  Isn't the purpose of insurance to assist the consumer in handling the high costs of conditions that are not frequent?  The other dental options also have these limits.  Thank you for your study of these issues.

 

 

1/16/2008 9:13 PM: (referred to OHR)

I am a Delta Premier member in Duluth.

 

I carry my husband and two sons on this plan as well.

 

My concern with the dental program is that it does not go far enough in covering preventative care.  For example, several years ago I was grinding my teeth to dust and the cost of a retainer to stop this was not covered.  As another example, only one treatment of fluoride is permitted for my children for reimbursement.  I also had early gum recession due to poor orthodontia when I was young and this has been controlled with more frequently cleaning (3 times a year) and fluoride treatment to harden the exposed surfaces.  That extra cleaning and none of the fluoride is covered yet it prevents a much more expensive and painful result.

 

I find it interesting that so much emphasis in our medical health care plan is on prevention and yet that doesn't seem to be as much the case for dental.  The definition of preventive care is much narrower.

 

This is also the first year that I exceeded my annual dental insurance coverage (both sons had to have their wisdom teeth out).  Exceeding the coverage probably not likely to happen again but that's because I have been absorbing some of the costs of preventing more expensive outcomes.

 

Thank you for giving me an opportunity to comment.

 

 

1/16/2008 11:41 PM:

very positive experience. however, max allowable soon makes the whole issue of dental insurance almost mute.

 

 

1/17/2008 9:47 AM:

I am able to go to a very good dentist and am very satisfied with the plan.

 

1/17/2008 10:39 AM:

We have no problems with this plan and have been very happy with it.

 

 

1/18/2008 11:18 AM:

My experience with Delta Premier has been very positive. No problems.

 

Thanks for asking.

 

 

On 1/18/2008 11:20 AM: (referred to OHR)

In the last year my dentist has recommended and performed a procedure that checks for abnormal tissues in the mouth and gums. It's called ViziLite Plus (oral lesion identification and marking system.) The patient uses a dyed rinse and then the dental staff inspect the tissue using a viewing tool that makes any abnormal tissue stand out. My insurance did not pay for this procedure as I remember. If this is really an important part of  preventative care and disease screening shouldn't it be payed for by insurance?

 

 

1/18/2008 3:32 PM: (referred to OHR)

I have not had problems with my dental plan, Delta Dental Premier, as such, but I would like to see if your committee has any clout in the following areas:

 

Reduce (as much as possible) the patients percentage that s/he must pay for the following procedures:

 

- Dental implants

- Dentures/Partial Plates

- Crowns

- Root planning

 

I had teeth extracted recently and at this time, due to the prohibitive high costs, cannot afford to get teeth.  This is quite distressing for me.

 

I hope that in the future your committee will be able to reduce the costs for these very expensive procedures.  Thank you for your consideration of this issue.

Sincerely,

 

1/29/2008 4:24 AM:

I realize that this is about 10 days late. So many things to do the first week of classes.

 

I have Delta Dental Premier

In general, I have found their coverage and their record keeping very good. One problem...having caps repaired.

 

Their policy is that only when a cap is 5 years old (from the date of final appointment) they will not pay *anything* if it falls out. I had to pay over $250 (the full bill) to have a cap that is 4yrs and 4 months old replaced. I discussed this with a representative at the Employee Benefits Fair and he said he would into it and didn't get back to me.\

 

It fell out again, so there was obvious problems with the base of the remaining tooth. So, since August, I have no cap and an exposed base. I can't get it replaced with an implant until April 12. Of course, Delta Dental has a ceiling on benefits so the implant will cost me about $3,000.  I have several other caps and I fear their falling out, too.

 

Perhaps, for we aging individuals, there needs to be the opportunity to purchase extra-ordinary insurance for these unusual events. Otherwise, the 6 month check-ups will have to be delayed for a year in favor of the one implant. I do have a health reimbursement fund with UMD.  Thank you for giving me the opportunity to let you know about this. I can cross this communication off my list and go on to the next item.

 

Dental generic – 2007 comments

 

1/7/2008 3:36 PM:

 

I did not receive benefits until January 1, 2008, even though I began work November 8. I think this is unfortunate, and so that is my only comment on the UPlan dental plan I have yet to be able to avail myself of.

 

 

1/7/2008 6:40 PM

In the past, I do not have the opportunity to use the dental benefit with the exception of going to have my teeth clean, maximum, twice a year.  Under such circumstances, the dental insurance is more than adequate.
 
However, last year, I needed an emergency root-canal, and a crown that went with the same procedure.  I needed to go back three months later for a consultation due to similar symptoms.  I ended up paying over a thousand dollars out of my pocket for such services.
 
I believe the maximum, $1500, deductible is set too low.  With the cost of dental care, we can easily exceed the maximum. I am willing to pay a little bit more in premium cost so as to increase the maximal deductible level.
 
 

On 1/7/2008 7:40 PM:

My main concern with our dental insurance is that there isn't sufficient coverage. It is much worse coverage relative to our health insurance.

 

Case in point, in the last 5 or so years, my husband has had about $25,000 of out-of-pocket expenses for dental work.  The cap on coverage was raised this year by a few hundred dollars.  That's a good step, but much more needs to be  done to call it "coverage".  The amount covered is about 2/3 the price of a single crown, for example.

 

On the positive side, I like that preventive care is covered. But once you get the twice yearly cleaning exams, it just about wipes out your coverage of the expensive work.

 

Expensive dental care is a limited-time item. It's not like indefinitely recurring high expenses associated with a chronic illness, for example.

 

Thanks for asking for feedback.

Second comment same person 1/7/2008 7:41 PM

That was exactly the issues I had. Crowns and root canals are expensive. It seems to me that if the U of M wants to be a world class public university, the U as an institution has to take better care of the employees. I have colleagues at other large public universities. We are somewhat close in close in salaries or benefits, however Minnesota lacks in many areas.

 

 

1/8/2008 9:17 AM:

We had an unfortunate experience this year: the dentist needed to cap more teeth than I had adequate benefits for. He said they were in danger of splitting and being even MORE expensive so we went ahead and did it, but if you need a lot of work done, the cap on annual spending gets to be a bit of a drag. I wish there were some way to have maybe a higher cap for noncosmetic work if it were needed. It was a pretty big bill for us.

 

You don't need to bother to send a sympathetic note explaining the reasons for the cap on spending, please. (It won't make me feel any happier. <smile>)

 

Thank you for gathering all the data. I'm sure it's going to be kind of a bummer hearing everyone's complaints.

 

1/8/2008 9:26 AM:

IÕm new to UMD and only started with the plan in the fall. We have not used it yet and as such, really canÕt say anything yet.

 

1/8/2008 11:57 AM:

Thanks for asking for input.

I wish there was a program with orthodontic coverage for adults. At the age of 52, I need braces to prevent further injury to my gums and TMJ. As I understand (with help from your office) there is no option for this type of coverage for us "old folks". I was told by my orthodontist that several policies provide this coverage in other places of employment.

 

 

1/8/2008 1:02 PM:

I don't know if my comments will be particularly helpful, as they are not referring to specific incidents with Delta Dental Premier, but are more general in nature.  Each year it seems that the premiums go up and cover a little bit less.  Things that used to be covered at 100% went down to 80%, and may now only be covered at 50%.  The terms, too, seem to be less user-friendly all the time.  Fewer visits per year are covered than used to be.  If a particular tooth is treated in some way, it seems that if it later needs further attention, it's not covered, because that tooth has already been worked on.  The yearly cap on coverage is also too low, considering the cost of many procedures these days.  (My husband is due for either a crown or an implant in the next month or so, and in one fell swoop his coverage is done for the year and still won't come close to covering the cost - we will pay a lot out of pocket on this one.)

 

I realize these things are probably not unique to Delta Dental Premier, but rather a reflection of the state of things in general and the way health care coverage is headed.  But I wanted to at least take the opportunity to express that as a U of M employee, we are getting less and less all the time while premiums continue to rise.  We are feeling the squeeze!

 

 

1/8/2008 2:08 PM: (Referred to OHR)
I noticed a changed on my new dental health card and still don't know why.
code DE978 --  was PE978
I did not complete any new forms for 2008.

 

 

1/10/2008 9:49 AM:

BAC Dental Comment
My 2008 plan is U Plan Health Partners Dental Choice.
I have switched back and forth between Delta Dental and HealthPartners over the years, according to cost and the all important issue of coverage for white resin fillings in ALL teeth.  This year I switched back to HP because they offered coverage for ALL teeth.  I've never had problems with Delta Dental - I switched this year because the Delta Dental and HP plans seemed identical, but the HP cost was lower.

Second comment from same person 1/22/2008 9:48 AM:

1.  I might add that my Boynton dentist uses ONLY white resin, so, I had no choice - I had to go with whatever plan covered white resin.  I was glad to see that the lower cost HP plan added white resin this year.

2. Also, it is vital that the employee Open Enrollment booklets spell out important issues such as white resin.  In the past, I've wasted a lot of timing calling companies to try to find out whether something as basic and vital as this issue is offered. We "mature" employees are facing replacement of old silver fillings!

 

 

1/14/2008 10:54 AM:

One comment I would like to make. It would be nice to have adult coverage for orthodontics. It is frustrating to be the buyer of insurance and not have any coverage for orthodontics for myself.

Are there any chances for changes in the future in this area?

 

1/16/2008 10:22 AM:

In response to the Benefit Advisory CommitteeÕs request for feedback regarding the UPlan dental coverage, I submit the following. The dental plan is good, but only covers one flouride treatment for children per year. Benefits should be enhanced for dependents under the age of 18, including orthodontics.  Also, there should be more assistance regarding adult orthodontics. Thank you for your interest in providing good coverage.

 

Health Partners Dental – 2007 comments

 

1/7/2008 3:06 PM:

I'm writing to share my feedback on my UPlan Dental benefits with HealthPartners Dental.

 

We have been very pleased overall with HealthPartners Dental.  We used the Riverside clinic and we were usually able to schedule an appointment when we wanted.  Only on occassion did we have trouble scheduling an appointment for when we wanted because this particular dental clinic would only schedule appointments 1 month in advance.

 

We were happy with the service we received from the hygenists and the dentists.  I have no complaints.

 

 

1/7/2008 3:08 PM:
I've had no reason to complain about the dental plan. I think they've 
done a good job so far.

 

 

1/7/2008 3:44 PM:

No problems with HealthPartners Dental which my wife and I have had for many, many years.  They check us over (thoroughly) every 6 months and take xrays once/year.  If any work is needed (I have had a few crowns over the past ten years) it is done very professionally and very well.  They are really nice people (Bloomington Clinic).

 

 

1/7/2008 3:46 PM:

I've been happy with my Dental plan overall. I haven't had very complicated dental problems, but they've handled my routine care in a very professional manner. I've had no trouble getting appointments.

 

 

1/7/2008 3:54 PM:

Love this plan - have had it for years and have seen the same DDS for 20+ years - the only time I pay anything is when I have extractions or periodontal work done.

 

 

1/7/2008 4:05 PM:

I have had no problems and am happy with HealthPartners Dental plan I have through u of m benefits.

 

 

1/7/2008 4:45 PM:

My wife and I receive our dental care using HealthPartners Dental.  We have both had a variety of different procedures during the years we have been part of this plan and have been very satisfied with our care in every respect.

 

 

1/7/2008 4:56 PM:

My spouse and I have been pleased with the dental plan under Health Partners. Once, when a gold cap came off one of my teeth I was able to get right in within 20 minutes and get it fixed.

 

 

1/7/2008 5:29 PM:

I Have HealthPartners Dental.

No issues.

Plan works, and my dentist is great.

 

 

1/7/2008 5:33 PM: 

I have had Health Partner Dental for 25 years and they continue to provide wonderful service.  My children and my late husband were also covered and we never had a complaint.  We were treated with respect & courtesy.  Dental work was done well.  I cannot foresee any reason to change

 

 

1/7/2008 5:36 PM: 

I have had a very good experience with Health Partners Dental and particularly with the oral hygenist that I have used.  Her name is Linda Webke at the Riverside Clinic.  I usually see Dr. Bauer at the Riverside Clinic.  I am able to make appointments in a timely fashion and receive very competent care.  But most importantly Linda Webke is a very skilled hygenist.
 

 

1/7/2008 6:43 PM:

My experience with my dental insurance during the past year has been very positive.  I especially appreciate the care taken when I inadvertently broke a front tooth completely off while suffering from numbness and blisters in my mouth, later diagnosed as caused by shingles (I did not know it was shingles at the time). The dentist took time to examine my mouth and evaluate the situation almost immediately before "replacing" the tooth asap (next morning). 

 
 

1/7/2008 7:06 PM:

I have only good things to say about HealthPartners Dental.  I started the dental program when it was Group Health and stayed with them when they became HealthPartners Dental.  In that 30+ years, I have received excellent service.  I also like the fact that some years ago they opened a branch clinic out in the Coon Rapids area where I live.

 

My only concern now is that I will be retiring soon and may be leaving the area, so I will have to check out the retiree group options to see what is available.  I will miss the excellent service that I have received from HealthPartners Dental. 

 
 

1/7/2008 7:46 PM: 

My experience has been positive with HealthPartners Dental.
The staff at the Riverside clinic do a good job on the regular cleanings, and this summer repaired a chipped tooth. All went well.
 
 

1/7/2008 8:18 PM:

Totally happy with HealthPartners.  I've never had any problems, service is great.

 

 

1/7/2008 11:26 PM:

I did not notice any differences or changes from the years past. I continue to be very happy with my dentist (whom I insist on seeing every time), the dental clinic, and the reception staff. I have not had serious problems and have not gone over the benefit limit, so it may be easy for me to be happy with the plan. At any rate, I think I receive an excellent care from my dentist at the Health partners.

 

 

1/8/2008 5:22 AM:

The staff are excellent, I and my family have had great care The major problem is that I had an old fixture that needed replacement and cost far exceeded the plan by ~$5000

 

 

1/8/2008 6:41 AM:

Everything is fine from my perspective.

 

 

1/8/2008 7:05 AM: 

Nothing specific.  Just that we have had HealthPartners Dental for many years and have been very pleased with our dental care. The dentist we currently have, Dr.Worley at the White Bear Lake clinic, is just outstanding.

 

 

1/8/2008 7:10 AM: 

I have had Health Partners Dental since 1977 and have been satisfied with it. For 2008, I chose Health Partners Dental Choice because they upped the limit to equal Health Partners Dental and the porcelain choice is better.
 
 

1/8/2008 7:15 AM: 

I am very happy with the services I receive from Health Partner's Dental.  I really like my dentist (Farad Gunnili) and my hygienist (Melissa).  Both are very proactive in my dental care and very nice people.  I also like the Como Clinic staff who are always very professional and nice.
 
 

1/8/2008 7:30 AM:

I have the best doctor and dental hygienist.  I really appreciate the plan.

 

 

1/8/2008 7:37 AM:

I will that the dental plan would pay as much for an implant as they do for a bridge.  That would be more fair for people who do no will to ruin two adjoining teeth with a bridge.

 

 

1/8/2008 7:58 AM:

My family and I have had excellent work done at the Healthpartner dental at Como facility. 

 
 

1/8/2008 8:21 AM:

I have been extremely satisfied with HealthPartners Dental.  The dentists and technicians at the Woodbury Clinic have been very professional and caring.

 

Speaking as a family member, my wife and two girls feel the same.

 

Both kids have/had braces and the UniversityÕs coverage has been excellent.  Swapping stories with my neighbors proves that we are very lucky to have such a generous program.

 

Thank You U of MN!!

 

 

1/8/2008 8:36 AM: 

My feedback is all positive on my experiences with HealthPartners Dental. I've had this plan for myself and my family for many years, have recommended it to co-workers.
 
P.S. you should try using Survey Monkey for this type of data collection. We use it frequently for University related surveys.

 

 

1/8/2008 8:42 AM:

I am pleased with my dental plan - I haven't had any problems and I hope it doesn't change.

 

 

1/8/2008 8:44 AM:

I've had HP dental coverage forever, and really like it.  I only had one "bad" dentist at Como Clinic,many years ago, so simply switched to the West Clinic.  By bad I mean that he didn't see something that it took a specialist to see, so he probably wasn't bad at all - it just seemed so at the time since it required an extra appointment for me.

I plan to stay with HP as long as possible.  I like having everything (medical & dental & pharmacy, as well as many specialists) in the same building -- for myself & my family.  Saves money, time, energy - all of which are very important to me.

 

 

1/8/2008 8:57 AM:

I wish HealthPartners (HP) would allow members to choose a dental clinic to go to from all dental clinics, not just HP clinics. Their clinics are not as handy to go to as other clinics in my neighborhood. By forcing members to choose only HP dental clinics, they are limiting a patientÕs choice of specific care, dentistry staff/dentists, costs, and locations. It makes getting a timely second opinion next to impossible.

 

I also wish the maximum benefit per year was higher. There are certain common dental procedures, such as crowns, that exhaust an entire yearÕs maximum in one visit!

 

In general, I wish HP would be more consistent with letting patients know which procedures require a payment at the clinic (dental and medical) and which will be billed. These kinds of surprises are annoying to deal with.

 

Thanks for the opportunity to submit comments.

 

 

1/8/2008 9:10 AM:

Have been very satisfied with my HealthPartners Dental plan for many years.

 

 

1/8/2008 9:45 AM: 

This is not a very user friendly survey instrument--cutting and pasting the reply name; subject line.  Most surveys permit you to press a link which automatically brings you to the recipient.  Then you answer some questions or to put free-standing comments on the form.  The only reason that I'm taking the extra steps to fill out the form is that I appreciate dental coverage and I like Health Partners.

 

 

1/8/2008 10:23 AM:

I have only very positive comments regarding HealthPartners Dental Plan.

 

I have been able to make appointments at convenient times.

 

The staff is always knowledgeable, responsive and pleasant.

 

When I needed to see a specialist, I was referred quickly to a high quality specialist (in fact, a University of Minnesota faculty member) who has done an excellent job treating my problem for the past 6 months.

 

Although my children are now grown, we have always been extremely pleased with HealthPartners Dental.  They were HealthPartners Dental patients their entire lives.

 

I know we have other dental plan options, but my husband and I are very happy with the care we have received.

 

 

1/8/2008 10:35 AM:

Perfectly adequate.  No complaints.

 

 

1/8/2008 11:22 AM:

I'm very happy with healthpartners dental for myself.  The only problem I've had (actually for my daughter) was a referral to an oral surgery appointment recently.  We've made the appointment in Oct for Jan 2, 2008.  When we arrived at 8:00 am for this surgery, the place did not have us on their schedule but they did have my daughter's dental records.  We waited to see if another scheduled patience would show up (but didn't) and we were lucky enough to squeeze in on the same date but one hour later then our original appointment.  This was the only time my daughter could have this surgery because she lives in Mankato (going to school).  I was very upset that they lost our appointment and I would not of reschedule with this same oral surgery place.

 

As I said earlier I am very happy with healthpartners dental (Como).  The staff are efficient and professional.

 

 

1/8/2008 11:39 AM: 

Thanks for asking for our comments on our dental coverage via U of M benefits.  My husband, <name removed>, asked me to respond to you.  I believe that he and I had the basic Health Partners Dental in 2007.
 
I have had nothing but positive comments on our experiences.  I had to have a wisdom tooth removed in April and the specialty dental practice that I was referred to by Health Partners was top notch.
 
In October I broke a tooth and was going to leave town for an extended vacation within just a day over two weeks time.  Health Partners Como arranged to get me in for evaluation the next day and within two weeks I had a new crown.  The crown was placed and I have been extremely pleased with it.
 
My husband has had a more routine dental year - hygiene appointments only.  I know he has been pleased with the dental professionals at Health Partners Como.
 
Please let me know if you need additional info from us.  I do not have my id card handy but if you need it let me know.

 

 

1/8/2008 12:21 PM:

We were reasonably satisfied with the above dental plan.  My only disappointment was that there maximum allowable was realtively low.  I note that they have increased the amount for 2008.

 

 

1/8/2008 12:31 PM:

I have only had routine visits (e.g., teeth cleaning & x-rays), but am very satisfied with the experience and quality of care I received.

 

 

1/8/2008 1:53 PM:

I am extremely satisfied with Health Partners Dental. I have seen the same dentist for several years and he is thorough and informative. I am pleased with the dental technicians I have seen and their work. I am able to schedule appointments when I wish and almost never have to wait for my appointments when I arrive. I appreciate receiving a feed-back survey after every visit. The location is convenient for me.

 

 

1/8/2008 2:25 PM:

I've had HealthPartners Dental coverage for the past 5 years and I have had no problems with it.  Over this period I have had a variety of procedures and billings and all has gone smoothly.

 

Very happy with HealthPartners Dental.

 

 

1/8/2008 3:33 PM:

I am very satisfied with the quality of care my family and I have received at the Arden Hills dental clinic and the services covered by the HP dental plan.

 

 

1/8/2008 5:35 PM:

I receive very good care from Healthpartners. And compared to some years past, I can get an appointment for a cleaning within about 4 weeks. Of course, I wished the maximum benefit were higher in 2007--one regular cleaning and one root canal with a crown quickly put me over the limit. But I'm not complaining. It is still a very good deal and I am grateful we have such a good plan

 

 

1/8/2008 6:29 PM: 

 The only problem I've ever really had is that when you use up all your alloted amount for someting like a crown I wasn't able to get my yearly cleaning.  Lucky for me my teeth aren't too bad but that doesn't seem quite fair.
 
 

1/7/2008 8:04 PM: 

Currently I have Health Partners Dental, having switched during my first Open Enrollment.  The reason I chose Health Partners is because I need to have an implant for a missing baby tooth (congenitally missing tooth).  These are baby teeth that do not have adult teeth underneath.  Delta Dental will not cover implants for congenitally missing teeth, which I find extremely disappointing, especially since it's not even my fault that the adult tooth isn't there!
 
Part of the reason I disliked Health Partners was because you had to pick a primary clinic, but I don't think you have to anymore.  As I was searching for a dentist/oral surgeon for my implant, it was annoying to have to constantly call Health Partners to change my dental clinic.
 
In general, all dental plans will only cover one set of full x-rays or one panoramic x-ray every three years.  I had to have both done for my implant, so I had to cover the cost of the panoramic x-ray.  I think
you should be allowed both every three years.
 
That said, I'm incredibly happy that our dental plan covers implants 50%.  Most dental plans do not, and if ours didn't cover implants, I would be out nearly $3000.  I do wish the yearly cap was higher, 
though.  $1500 doesn't cover much if you're undergoing any type of procedure other than regular cleanings.  I'm either going to have to pay out-of-pocket for any other procedure this year, including having my wisdom teeth removed, because my implant will cost the entire yearly cap.
 
 

1/7/2008 9:06 PM:

I've been a HP Dental subscriber for 25 years and have been completely satisfied with my care over the period. Access is good, results are excellent.

 

 

1/8/2008 7:26 AM: 

I've been very happy with my dental plan:  HealthPartners Dental.  Had it for years, no complaints.

 

 

1/8/2008 8:07 AM:

Hello, Thanks for asking for input.  I have Health Partners Dental.  I use the HP Riverside location and Dr. Bauer is my dentist.  I donÕt know which year it changed  but some year in the past there was a limit on the amount of dental work that I could have done each year.  That was the year that I had some dental problems and actually had to get some of it done by December and wait until after the first of the year—with temporary work in my mouth—to finish it after January of the next year.  Dr. Bauer said he was frustrated also. According to him, for a very few dollars more per policy U of M employees could have had the higher $ amount but the U refused to do this.  If the U doesnÕt want to pay, why not ask the employee if they would like the higher coverage of work per year and let us pay the difference?? DoesnÕt make sense not to do this.

second email – same person 1/14/2008 7:28 AM:

Thanks for all you work on our behalf.  I am very sure dental limits are a big problem for many especially since dental work is very expensive.  I would like to see the limit raised or an offer to employees for them to pay an additional fee for higher coverage. Thanks much.

 

 

1/8/2008 8:08 AM:

I would like to comment on the Health Partners Dental Plan - the only complaint was that it did not cover as much as I would have hoped.  The older I get, the more dental work I need which is usually costlier than 20 years ago when I needed less work.

 

I think the U has a wonderful system and compared to my 3 kids, I have the best Dental coverage of all of us!

 

I also think the Employee Benefits department is doing a great job - Keep up the Good work!

 

 

1/8/2008 8:16 AM:

Health Partners, Excellent Dental plan, very helpful and great people and good work.

 

 

1/8/2008 8:41 AM:

My name is <name and emplid removed>.  I have been with HealthPartners Dental for at least 15 years.  My children grew up with the care of the dentists and my husband and I as we have gotten older with the dental problems that that intails have been extremely happy with HealthPartners Dental.  We have been at the Riverside Dental since the clinic opened and find the dentists helpful and thorough.  I have to say that we have Dr. Gabay as our dentist and she is fantistic.  The dental hygenists are efficient and caring particularly with my mouth since I have TMJ.  At one period I had Dental Dental and would not recommend them to anyone.  If you need more information please let me know.

 

 

1/8/2008 8:45 AM: (referred to OHR)

My family is enrolled in Health Partners Dental.  I visit the Health Partners Bloomington Dental Clinic and my wife and children use Park Dental at the Park Nicollet Minnetonka.  I have been at HP Bloomington for over 25 years and have excellent care and a very fair plan for sharing costs for crowns etc.

 

My family has had excellent care as well but we did have an issue in August 2007 where my 15 year old daughter had 2 porcelain veneers applied to her peg lateral teeth.  This was considered cosmetic and was not covered by the plan.  I read the language in the plan and it does say cosmetic dentistry is not covered but this situation was 2 adult teeth that were malformed and never emerged more than 2 sharp points.  The teeth did not function as they were before Dr. Bristol applied the veneers.  I think Dr. Bristol wrote a letter to Health Partners saying the tooth repairs were neccessary but the claim was not allowed.

 

I understand this could go either way but maybe there needs to be a way to evaluate these borderline cases.

 

 

1/8/2008 9:14 AM:

I am covered by Health Partners Dental and am very satisfied with it.  BUT, my dentist has started offering oral cancer screening, which Health Partners (and  perhaps other dental plans) do not cover.  I think this is just as valuable as pap smears and other annual screenings.  I would urge addition of that to the U's dental plans.

 

1/8/2008 9:26 AM:

I have HealthPartners Dental and I am very happy with the plan. I have had no isssues with claims and I like the clinic I visit and the dentists I have seen.

 

 

1/8/2008 9:28 AM:

Being relatively new to the university (2nd year), I'd say I'm disappointed in the dental plans (mine is healthpartners). The coverage levels are quite a bit lower than the plans I had when working at other universities. Thanks.

 

1/8/2008 9:51 AM: 

I've always carried HealthPartners dental and the care is excellent. But rising costs for services you begin to need as you get older, crown, bridge, periodontic work, maxes you out with the year's allowance in one or two visits. This makes a greater burden on folks who are older.

 

1/8/2008 10:22 AM:

I have been a member of Health Partners Dental for 17 years, and continue to have very positive experiences with them.  Besides the fact that my dentist there, Dr. Farhad Gunili, is the gentlest, most conscientious and respectful health provider I have EVER encountered, my administrative experiences with the plan have been great -- easily scheduled appointments, phone & card reminders, clear billing information, minimal waiting, etc.  I hope the U continues to have them be a dental carrier for faculty and staff.

 

1/8/2008 10:28 AM:

I go to the Arden Hills Dental Clinic,its great. Reception staff is great, helpful, efficient, they always call with reminder appointments and always remind me that I need to take my meds prior to the appointment.

 

They are great when scheduling my daughter and myself at the same time or right after each other. I see Dr. Bender, I would recommend her to anyone. She is very professional, makes the appointment very comfortable. Her hygienists are very nice and efficient.

 

I have no complaints about the Arden Hills Dental Clinic, I would recommend them to anyone.

 

Thanks for asking for feedback.

 

1/8/2008 10:30 AM: 

I had no problems with my dental coverage. I go to the Boynton Dental clinic and only had routine check-ups. No major dental work. Everything went smoothly with the dental insurance. I have never had any problems with the dental insurance I have had through the U of M.

 

1/8/2008 10:30 AM:
My experience (and that of my wife) via HealthPartners Dental at the Arden Hills  HP clinic has been exceptionally positive. They have provided excellent preventive dentistry and responded well to two emergencies. I could not be happier with their care or the simplicity of the administration of our dental benefit.

 

1/8/2008 10:53 AM:

I have Healthparners Dental and the service is excellent.

 

1/8/2008 11:02 AM:

I am completely satisfied with Health Partners Dental program. I am able to schedule within a reasonable time, I do not have to wait past my appt. time when I arrive. The workers are friendly and professional and I have had the same dentist for the entire time I have used Health Partners. I go to the Como clinic.

 

1/8/2008 12:17 PM: (referred to OHR)

Yes, I thought I was choosing the same dental coverage as I'd had last year when I chose HealthPartners Dental.  I did not see the short article about the changes until a day after the deadline, or I would have changed my choice to HealthPartners Dental Choice, because of the coverage of amalgam fillings, which apparently is better in HP Dental Choice.  The headline on the short article had not really caught my attention. I was disappointed and angry about missing the opportunity to get HP Dental Choice.

 

1/8/2008 12:23 PM:

I and my husband are very happy with the dental care I receive from Health partners

 

 

1/8/2008 12:55 PM:

I am very satisfied with Health Partners dental plan.

 

 

1/8/2008 2:00 PM:

I have Health-Partners Dental and have had it for my husband and I for almost 30 yrs. I have no complaints.only good to say.

Over the years we have had good Drs. who have been given good care.

I had a problem this year which resulted in a referral to the U of mn dental clinics...which didn't get accepted immediately, but with the proper letters written resulted in the referral for 2 visits. I will need more (which I have to follow up on) but so far so good.

 

 

1/8/2008 4:34 PM: 

I have the employee and family coverage under HealthPartners, and we have all been quite satisfied with the care we have received there.

 

 

1/8/2008 8:00 PM: (referred to OHR)

To whom it may concern:

 We have had HealthPartners Medical and Dental coverage for approximately 15 years and in general have been very pleased with the service we have received.  My husband, <name removed>, who is on the faculty at the U, gets his care at Boynton Health Service on campus and I get mine at the West Clinic of HealthPartners.

 

The only problem we had this past year with the dental plan is that my husband needed quite a bit of dental care related to a previous bicycle accident (which occurred in October 2006).  He used up his allowable dental coverage for 2007, but found out that treatment for a tooth infection could be covered by his MEDICAL plan if it was due to a delayed reaction to an accident.  This caused a great deal of confusion in the payment of the dental bills and we received many bills (in error) that indicated we were obligated to pay for the care.  Each time, we would have to protest the bill, explain the coverage, and wait for a revised bill to be sent to us.  The whole process caused us a great deal of hassles and was time-consuming and frustrating.

 

The dental care itself that Andrew received was excellent, but the billing process could have been much improved.

Hope this information is helfpul for the future.

 

 

1/9/2008 8:08 AM:

I have health partners dental.

I don't feel like I spend enough time with the dentist.  The hygienist does the cleaning and when she is done the dentist confers with her about any issues that require his attention.  If in her estimation there aren't issues I really don't have the opportunity to talk with him.

 

 

1/9/2008 8:46 AM:

I just have one suggestion.  As I have gotten older, I have been experiencing more problems (crowns and root canals) than when I was younger.  The current dental benefit does not go much beyond a single crown or root canal per year.  I currently need two crowns with a third possible.  I would like to see the benefit increased somewhat so that a person could have their work done without having to pay out of pocket if more than one crown or root canal is required.  Personally, I would be willing to pay a higher premium to increase this benefit by another $500-$1000.  Otherwise, my HP dental coverage and experience with HP has been good.

 

 

1/9/2008 8:56 AM:

Very satisfied at the Bloomington Clinic - actually the dental care is some of the best care I get through Health Partners.  This is high praise, as my father is a retired dentist & my brother currently has a dental practice in Duluth.  I used to get all of my dental care through my family, but found it much more timely & convenient to utilize HP.  I also worked in dad's office as a teen, so I have some understanding of the inner workings of a dental office - they get high marks from me.

 

 

1/9/2008 9:35 AM:

I don't have any comment!  I have HP dental, use Boynton, and am perfectly satisfied.

 

 

1/9/2008 12:03 PM: (referred to OHR)

My comments are mostly general in that I feel the coverage by my dental plan, and all others seemed comparable, to be quite poor. Besides for the preventative office visits for teeth cleaning, which are fully covered, other common dental procedures bridges, root canals, fillings, implants are not fully covered and can be quite expensive out of pocket. I had an implant performed, which was deemed cosmetic, I would consider having functional teeth to be essential, and the out of pocket cost was nearly 50% - several thousand dollars. I had asked for an itemized list of expenses and the level of coverage for each before and after the procedure and they did not match. Upon inquiring about this, I was told coverage levels change all the time, thus making it difficult to truly determine a final cost prior to a procedure. In short, the dental coverage is far inferior to the medical coverage plans provided by the U.

 

 

1/9/2008 1:54 PM: 

I have never had any problems with my dental plan.  It has worked very well for me.  Thank you for the great benefit.

 

 

1/9/2008 6:20 PM: (referred to OHR)

I have had Health Partners dental since I started working at the U. I have satisfied with them all this time. There was a glitch in scheduling where they didn't schedule me for a visit for over a year but we worked that out. So I am happy with them and wish to continue with them.

 

 

1/10/2008 8:57 AM:

Responding to your request for input on UofM dental plans.

 

I have U of M Health Partners Dental plan and have been enrolled in their plan all my years (~28 yrs) of work at the University.  I have been very pleased with the preventative care and all the dental work they have provided for me.  I have gone to the same clinic (Como) over the years and the staff and doctors make me feel as if they know me personally.  Health Partners Dental is at the top of my list for excellent care.

 

 

1/10/2008 10:27 AM:

My comments will be brief:  I am very happy with my Health Partners Dental plan.  But, as I have found, satisfaction depends considerably on the quality of the individual clinic.

 

I moved from the downtown St Paul clinic off Wabasha a year ago, to the Como clinic and, in my opinion, the Como clinic has a much better staff -- including receptionists -- and is much better at accommodating patients. My current clinic (Como), dentist, and technicians are all excellent and I feel I have had wonderful care.

 

 

On 1/10/2008 11:32 AM:

Hi Nancy: I appreciate the canvassing U employees for comments re: dental & health plans.

I would rate HP Dental as good in most respects after being with them for 28 yrs. However, the extra charge for "white" fillings is not in keeping with current best practices. Mercury has been known to be a great hazard for health for a long, long time and there is no excuse that a first-rate dental plan should not provide full coverage for non-amalgam fillings.

 

 

1/11/2008 10:46 AM:

I have a serious gripe about Health Partners Dental.  It's not about our 'plan' per se; it is about their Dental clinics and their scheduling.

 

I have been using their Riverside Dental Clinic since graduate school - over 20 years now.  I love my dentist there.  However, all Health Partner Dental Clinics have the same policy for checkups.  When you go to one, you fill out a postcard that is sent to your home as a reminder to schedule your next checkup.

 

I have checkups and cleanings done twice a year, usually in June and December.  By the time I get the card, it is about one month before my due date.  When I call, there are no appointments available for cleanings and checkups with my dentist.  I often remember to call early and they do not allow you to schedule appointments too far in advance.  They say their scheduling system only opens up appointments about 6 weeks in advance.  So, I am constantly missing the due dates for my cleanings and checkups.

 

This past year, I screamed at them because they wanted to book me into January, which means my second cleaning would be charged to the new calendar year.

 

The problem is not their software.  The problem is their business practice of only not allowing cleanings and checkups to be scheduled in advance.  When I go to one checkup, I want to be able to schedule my next checkup 6 months away.  Other dentists do this, why can't they do it.

 

I have complained to Member Services, and they offer no solution.

 

Maybe the Benefits Advisory Committee, or whoever negotiates plan details with our providers can force this issue.  I love my dentist, by Health Partners Dental provides lousy customer service!!

Let me know if you need more details.

 

 

1/11/2008 11:24 AM:

My husband and I have had this plan for many years and have been very satisfied.  The dentists and hygienists are skilled, helpful, pleasant and respectful, and have given us good advice on preventive care.  Have not had major work done, but we are confident that they would do a good job with everything. Our only complaint has been with getting appts (they used to open up the calendar a set # of weeks in advance, and 1 day at a time), but I think that is better now.

 

 

1/11/2008 3:40 PM:

I have had Health Partners (Group Health) Dental plan for all of the 35 years IÕve worked at the U. IÕve always been very satisfied with everything theyÕve done. 2007 was the first year that I used up my allotment, and I had to put off going for my annual check up until after the first of the year. The last few years it seems that I have to pay more for co-payments, but I donÕt think itÕs unreasonable, considering what IÕd have to pay if I didnÕt have coverage. IÕve carried my kids and husband on my policy as well, and have been satisfied with their care as well.

 

I go to the Como Health Partners.

 

I hope this is what you wanted. If not, please feel free to contact me for more info.

 

 

1/12/2008 1:59 PM:

I had HP dental in 2007 and again I have chosen it for 2008.  So far, I have had no difficulties but there has been no real test since my care has only been routine and my clinic is in the P-W bldg on TC campus.

 

 

1/14/2008 8:51 AM:

I use HealthPartners dental plan and this works well for me.  I have not had any problems.

 

 

1/14/2008 10:32 AM:

I did not see specific questions for me to address in this evaluation???

 

I am very pleased with this dental plan.  I use Health Partners Como Dental and they have been just terrific in the overall quality of care and helpfulness of scheduling staff.

 

 

1/15/2008 11:28 AM:

I am writing regarding the dental plan.

 

I have had the Health Partners plan for several years and am happy with it. However, I do not go to Health Partners clinics for dental work, I go to and love, love love my dentist who takes HP, but is a Park Dental office. I have been to HP dental clinics and do not feel like they are up to snuff, and one does not always get the dentist they want to seeÉthis is a huge issue for me. I need a doctor I know and trust to work on my teeth.

 

Most years the coverage is just fine however this year I will be using up my limit due to old fillings that have broken and need to be crowned. I broke these teeth in 2007 but have had to wait to get  the rest of the work completed in 2008 due to the dollar limits available.

 

 

1/15/2008 2:42 PM:

I have had HealthPartners Dental for about 28 years.  I have had no problems with my dentists there. In fact--they have been great!

 

 

1/16/2008 11:53 AM:

I am completely happy with my coverage under Health Partners Dental. Love my dentist, love the hygienists. Takes a while to get an appointment, but who wants to see the dentist tomorrow anyway?

 

 

1/17/2008 6:43 AM: (referred to OHR)

Thank you for taking these comments. My general impression is this - if you do not need much dental work - Health Partners is fine. If you have a year where you need a lot of work, Health Partners is not a good option. If you don't care who you see, HP is fine. If you would like to see the person you choose based on recommendations on your own research and from people other than the insurance , HP does not offer you much. So, HP is solid if you are someone who needs 2 cleanings a year and maybe has one cavity. Otherwise, I would not recommend it to anyone and did switch.

 

I think what surprised me most about this was that having worked at another university before the difference in coverage is notable here. The lack of choice and amount covered is quite different. Of course this is only a sample of 2!

 

 

I required a lot of dental work this year and ended having to pay a lot of out of pocket expenses. I also saw two in network dentists on the plan who missed work needed to be done and one who did a very poor job placing a crown requiring more work to be done. At that point, I wanted to see someone who came recommended, every recommendation I received from friends and colleagues was out of network......In the end, since I was over my limit of reimbursable expenses, I went out of network.

Thanks,

 

 

1/17/2008 9:08 AM: (referred to OHR)

I have been very satisfied with my dental plan for the past year.  The only issue I had was that I was unaware that coverage doesn't extend to the end of the month when a dependent becomes ineligible.  Example: my son graduated from college last May and his coverage stopped on the last day of school.  I thought he would be covered until the end of May (like medical), so made an appointment for him the last week of May. Unfortunately, by the time I became aware of the drop in coverage, it was too late.  My fault, really, but maybe the information could be more up-front.

 

 

1/17/2008 5:25 PM:

My opinion regarding dental plans.

 

I have had Health Partners Dental for almost 28 years at Riverside Health Partners.  They have the best dental hygiene program, quality physicians, and quality materials!  My husband accidently got signed up with Park Nicollet Clinic Dental where he received a crown.  He said the crown cost more AND was not nearly the quality as his crowns from Health Partners Dental Clinic in Spring Lake Park.

 

Please do not eliminate Health Partners Dental coverage at Health Partners Dental Clinics!

 

 

1/18/2008 7:10 AM:(referred to OHR)

I have been satisfied with the care I receive at HP dental. Staff are pleasant and professional and the fillings I have had have been fine. The work done for my dependents has been good too.

 

I used the Uplan option of having care at Boynton and that has been a HUGE MISTAKE not only has the care been of poor quality they also were very careless to the point of  possible fraud in their services. Poor quality work and advice is my experience with them.

My son went in and needed several fillings. They offered him porcelain or amalgam. He asked the desk and the dentist if the porcelain was more expensive and covered by his insurance. They assured him that porcelain was covered by all insurance providers and that was all he put in. They are not covered and his six fillings cost me $612.00, there would have been a 128.00 copyay at HP. One of his fillings was also too high and it took 3 trips and finally it needed to be taken out and replaced before he could bite on that side of his mouth.

 

My daughter saw a Boynton dentist and she told her she needed all her fillings replaced. My daughter went to HP dental clinic for a second opinion and was told that was completely unnecessary and would probably create problems where there were none. Since her teeth are not and have not bothered her, I think the HP dentist is right. I feel they were offering unnecessary care to get billings. Sincerely,

 

 

1/18/2008 7:10 AM:

I have been very satisfied with the care I receive at HP Riverside dental clinic and my dentist Dr Bauer.  I do have two areas of concern:

 

  1. I've taken to writing a reminder on my calendar to call because by the time the postcard arrives and I schedule an appointment more than six months have elapsed since my last appointment.
  2. Medical and Dental computer records should be integrated.  I get asked for a list of my current medications which are available in my medical records but the dental clinic does not have access.

 

Health Partners Dental Choice – 2007 comments

 

1/7/2008 4:11 PM:

I am extremely satisfied with my dental plan, Health Partners Dental Choice.

 

The dentist I have been going to for 24 years accepts this plan so I never had to switch dentists!

 

I've been fortunate to only need basic dental care--mostly my 6-month cleanings and routine x-rays so it's been a very rare occasion when I ever see a bill from my dentist. Just about everything I need done is covered by my plan without any additional out of pocket costs.

 

 

1/7/2008 4:25 PM:

 

I want to say that I am very pleased with the network and quality of care. Do question why coverage addresses silver fillings and not tooth covered ones, as I am told by my dentist that less/more shallow drilling is required for tooth covered, thereby saving more of the tooth and less use of numbing. Overall great. Thanks for asking.

Second email, clarification of previous 1/7/2008 9:29 PM:

The filling is tooth colored and is used to fill a cavity, once drilled out. It is probably a composite I'm guessing. Hope this helps,

 

 

1/7/2008 4:26 PM:

I have Health Partners Dental Choice. My only concern is the limit of $1,500 per year for coverage. I have needed a fair amount of restorative care and the limit can be gone with several months to go. This past year (2007) I ran out of coverage in October. That meant I could not go for my semi-annual check-up and cleaning. This year, I will need some additional restorative care and prevention will need to be compromised.

 

 

1/7/2008 4:38 PM: 

My dentist no longer accepts any Delta plans and I switched to HealthPartners.  The plan covers only a portion of the cost as my dentist is not a partner with them.  The insurance reimbursement has been prompt but the coverage never provides for half or less than the full amount.
 
I am lucky to have healthy teeth and am thankful I did not need more dental work than I had. Thanks for processing the feedback. 

 

 

1/7/2008 6:02 PM:

It is encouraging to see this solicitation of comments.  Overall, I have been very satisfied with my coverage through HealthPartners Dental Choice.  My dentist is wonderful and very accommodating when immediate needs arise.  My only shocker has been the cost of a root canal and crown this past year.  Because I need to see the dentist twice a year due to meds that I take, I had already accumulated about 500 in expenses.  While signing the agreement for the actual root canal, about 1100, I was informed that it did not include the crown.  Needless to say, an additional 900 for the crown threw a loop in the budget.

 

The new 1500 coverage would have been greatly appreciated.  I wish that I had been more proactive about the cost of the root canal.  There were a few choices, but pain does not permit a great deal of latitude in the selection process.  While I recognize the overhead costs, training, and delicacy of these procedures, it is a lot of money.

 

Again, I was thrilled to see the new 1500 coverage, but I am wondering if we are keeping pace with costs.

 

 

1/7/2008 3:33 PM:

IÕve liked my dental plan in general. The care seems to be fine. What frustrated me last year was that I used up my allowance on several expensive dental visits (broken teeth and crowns), and then discovered that I couldnÕt get a regular check up without paying for it. IÕd like the check-ups to be ÒfreeÓ. Ideally weÕd get 2 a year, but last year I would have been very happy to have one guaranteed. IÕm guessing this is a problem with all plans and not just HP Dental Choice.

 

 

1/7/2008 10:34 PM:

Hello, I have health partners dental choice,I wish we were able to purchase additional dental coverage. With 1 root canal and crown being done this month,my plan is left only with about $60. Not enough for cleaning or anything else.I tried to buy additional coverage from health partners individual plans but they said I could'nt have two plans with them.It would be great if the u could work with them to allow this.fell free to contact me if you have any ?s or comments. I know other people who would also like to purchase more coverage,

 

 

1/8/2008 7:10 AM: 

I have had Health Partners Dental since 1977 and have been satisfied with it. For 2008, I chose Health Partners Dental Choice because they upped the limit to equal Health Partners Dental and the porcelain choice is better.

 

 

1/8/2008 7:56 AM: 

My dentist is out of network for any plan but I switched to Health Partners because Delta didn't pay much.  At that time I wondered why I bothered to carry dental coverage.  I am happy with Health Partners Choice but more importantly to me is that I love my dentist so I would have dental work done whether or not I had coverage. 

 

 

1/8/2008 8:00 AM:

I am very satisfied with my dental plan.

 

 

1/8/2008 9:23 AM:

I am satisfied with my dental insurance.  I like the dental practice that I use and am glad it is included in my coverage.  I think the price of the insurance is extremely reasonable.  I hope good dental coverate at modest cost will not be compromised at the U in the future!

 

 

1/8/2008 9:41 AM: 

I have the HealthPartners Dental Choice Plan and have been very happy with their services.  My husband and I both go the clinic on Como and have been very satisfied with the entire group there.  Very friendly and informative about our benefits!!

 

 

1/8/2008 10:05 AM:

I have HealthPartners Dental Choice, and I have had no problems with them at all.  I like our dentists and staff.

 

 

1/8/2008 10:38 AM:

Both my wife and my self are very satisfied with our dental plan.

 

 

1/8/2008 2:46 PM:

My experiences with Health Partners have been good.  My dentist has his own practice but accepts HP insurance.  There haven't been any billings problems or refused payments from HP, knock on wood.

 

 

1/8/2008 6:18 PM:

I have dental coverage via HealthPartners and my experience with them has been excellent. This is true across the board -- routine hygiene, restorative dentistry, prosthodontics, periodontics and oral surgery.

 

 

1/9/2008 9:57 AM:

I wish to express my high degree of satisfaction for the dental care that I receive from U Plan Health Partners Choice.  Dr. Goumili was particularly gentle and also helpful providing options.

 

 

1/9/2008 10:09 AM:

I am replying to the e-mail yesterday about dental coverage comments.  The coverage that we have with HealthPartners Dental Choice has been working out very well for us.  No complaints to report.  We feel that we have a great benefit with this plan.  Good luck with the survey.  Thanks.

 

 

1/9/2008 1:10 PM:

Hello--I am enrolled in the HealthPartners dental plan and am able to go to the dentist I've been seeing for years. I have only had good experiences and I think the coverage plan is excellent.

 

 

1/9/2008 2:56 PM:

Just writing to tell you that I have had a great experience with HealthPartners Dental-Riverside. My hygienist, Jennifer, is a real pro, and I spend almost no time in the waiting room!

 

 

1/9/2008 5:34 PM: 

All of the experiences that both my partner and I have had with our dental plan have been uniformly positive.

 

 

1/9/2008 9:47 PM: 

I have Health Partners Dental Insurance. I have, in general had a good experience with my dental insurance. I understand that any increase in coverage will necessitate an increase in premium. However, as the cost of care has increased over time, the coverage is no longer adequate. As an example, the cost of one root canal and crown (an unfortunately common occurrence for someone in my generation) exceeds the coverage limit ($1500) by a significant amount. If this occurred in January, I would be in the position of having no further insurance benefit for the remainder of the year. Perhaps the benefit committee could investigate the possibility of an increased maximum benefit. Thanks.

 

(Same person as above, this email was 4 minutes later.)

Additionally, the $1500 cap on coverage seems awfully low-- my daughters & I have been fortunate to have good teeth (and hopefully pretty good dental hygiene) so that we have not had "major" dental costs. I can imagine that there are many others not so fortunate who have had to pay considerable out-of-pocket for their dental care with such a low max.

 

 

1/10/2008 12:43 PM:

I have no problems with Health Partners Dental Choice, but then I only have the two cleanings done.  I have been lucky in not having to have any additional work done

 

 

1/14/2008 1:50 PM:

Re HP Dental Choice

In general I am happy with the services provided (I use HP Riverside Clinic).

 

However, there are a couple of issues:

1. Opening hours are not convenient for patients working regular business hours. There are no evening hours and as of yet I have been unable to make appointments for Saturday clinic hours that supposedly exist. Having to take 2+ hours out of my workday to attend to a preventive dental visit is annoying and a bad use of my sick time.

 

2. In addition, the clinic seems to have high turnover for both hygienists and dentists. In combination with the scheduling issues this leads to a lack of continuity of care, as I am seeing different providers almost everytime I visit.

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