Medical & Dental Insurances

Health Plans

The Institute offers a variety of comprehensive options to meet your health care needs.

• Harvard Pilgrim Health Plan HMO
  View Harvard Pilgrim HMO 2008.pdf
• Harvard Pilgrim Health Plan PPO
  View Harvard Pilgrim PPO 2008.pdf
• Harvard Pilgrim Health Plan Best Buy
  View Harvard Pilgrim Best Buy 2008.pdf
• Tufts Health Plan HMO
  View Tufts Health Plan HMO 2008.pdf
  

There are no pre-existing exclusions under these plans and prescription drug coverage is included. To determine eligibility, see the Benefit Eligibility Chart .pdf). See the Health Rate Contribution Chart .pdf). to view the monthly cost for your health plan.

Dental Plans

Again, the Institute provides a choice of options for your dental needs. Coverage is provided by Delta Dental Plan of Massachusetts.

Delta Premier

Delta Premier network of over 5,000 dentists.

Type I	Type II	Type III
Preventive	Basic Restorative	Major Restorative
Deductible: None	Calendar Year Deductible: $100 per Individual; $200 per Family Maximum	Calendar Year Deductible: $100 per Individual; $200 per Family Maximum
Covered at 100%	Covered at 80%	Covered at 50%

Calendar Year Maximum $1,000 per person per calendar year.
Dependents covered to age 19.
Full-time Students covered to age 23
Spousal Equivalent Rider

Orthodontia

Covered at 50% of Maximum Plan Allowance charges to Age 19. $1,000 separate lifetime maximum.

DeltaCare

DeltaCare works much like a dental HMO, in which you and your family receive all your care from a network of participating dentists. You must select a Primary Care Dentist from the DeltaCare directory. You will be responsible for co-payments listed on the DeltaCare co-payment schedule. Most preventive and diagnostic services are covered at 100%. Please note there is a $1,000 calendar year maximum on certain specialty services (oral surgery, endodontic services, and periodontic services).