Morningside Graduate School of Biomedical Sciences
at UMass Chan Medical School
2025-2026 Policy Year
Delta Dental - Total Choice PPO Plan
IMPORTANT: effective 9/1/2025 Delta Dental of MA will no longer offer the DeltaCare Plan.
The 2025-2026 Total Choice PPO Plan enrollment form will be available in late July 2025.
Dear Morningside Graduate School of Biomedical Sciences Students,
We are pleased to offer Morningside Graduate School of Biomedical Science students and their dependents the option to enroll in the Total Choice PPO Dental Plan. Enrollment in this plan is VOLUNTARY; it is not required insurance.
As with any insurance plan, please make sure that you have read the Plan Highlights & Benefit Information before enrolling in the dental plan. The benefits listed on the Total Choice PPO flyer are subject to change. Please be sure to review benefits prior to purchasing the plan and obtaining services.
The enrollment deadline for coverage effective September 1, 2025 through August 31, 2026 is August 15, 2025.
The total cost for coverage is as follows:
|
|
Premium
|
Admin Fee*
|
Total Cost
|
|---|---|---|---|
|
Student Only:
|
$182.88
|
$57.12
|
$240.00
|
|
Student & 1 Dependent:
|
$834.36
|
$113.64
|
$948.00
|
|
Student & 2 or more Dependents:
|
$1,479.12
|
$169.88
|
$1,649.00
|
*an administrative fee is included for system processing, platform management and credit card processing.
PARTICIPATING PROVIDERS: The Total Choice PPO Plan does not require enrollees to select a primary care dentist. This plan utilizes the Massachusetts Total Choice PPO network which is a Massachusetts network only. You will receive the greatest out-of-pocket savings when visiting a Massachusetts Total Choice PPO in-network provider. Be sure when looking up providers to select "Total Choice PPO " as your plan. Do not assume that because a dentist accepts "Delta Dental" that he/she accepts all Delta Dental plans. This plan is a Total Choice PPO plan. Note: All services outside of Massachusetts are considered out-of-network.
BENEFIT PERIOD: The Total Choice PPO Plan runs on a benefit period of 9/1-8/31. The $1,000 plan year maximum and deductible will renew every September regardless of the coverage period you have enrolled in.
WAITING PERIOD: There is a 3 month waiting period on Type 2 (Basic Restorative) and Type 3 (Major Restorative) services. Students currently enrolled in the Total Choice Plan who are re-enrolling for the new policy year have already satisfied their 3-month waiting period.
IMPORTANT: Please review the Plan Highlights & Benefit Information BEFORE enrolling.
Should you have any questions regarding the enrollment process, please contact University Health Plans via email at info@univhealthplans.com or at 800-437-6448.
