Dental Insurance

Dental Care Plan Major Features

Luther College offers a “self-funded” (self-insured) dental care program. Premium payments for this benefit can be pre-taxed through the Flexible Benefits Plan.

The monthly costs are $37 per month for single coverage and $80 per month for family coverage.

There is an annual $30 per person deductible (maximum of $90/family/year). The annual benefit limit is $1,000 per person.

The dental care plan pays for covered services based on the number of years enrolled in the plan: 70 percent for the 1st year; 80 percent for the 2nd year; 90 percent for the 3rd year; and 100 percent for the 4th year and beyond. Crowns, bridges, and dentures are covered at 50 percent of approved charges starting the second year you are on the plan.

Spouses who are both Luther employees are eligible to enroll in two single plans.