Dental Insurance

Employees who are eligible to enroll in dental insurance include 1) full-time employees and 2) part-time employees* who are non-probationary (administrators and support staff) or Associate Continuing Contract (faculty).

Full-time employees can enroll their eligible dependents onto the dental coverage. Eligible dependents include their legal spouse and children (biological, step, legally adopted, by virtue of legal guardianship, eligible because of a court order). Dependent children are eligible to remain covered through the end of the calendar year in which they turned 25 as long as they meet all of the below criteria:

*Excludes part-time athletic coaches, Specialized Professional Services (SPS) employees, and student employees.

Explore the two ADN dental plan options below:

PDF FileBenefits at a Glance - Basic Plan

PDF FileBenefits at a Glance - Premium Plan

The following rates are for the 2024 Plan Year.  

FULL-TIME EMPLOYEE PREMIUM

PART-TIME EMPLOYEE PREMIUM

The following rates are for the 2025 Plan Year.  

FULL-TIME EMPLOYEE PREMIUM

PART-TIME EMPLOYEE PREMIUM

PDF FileADN Dental Insurance Policy Certificate

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  ADN Member ID Card

  Upon initial enrollment, ADN will mail your physical member cards to your home address on file with Human Resources.

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  ADN Account Portal

  You can view your Explanation of Benefits (EOB) statements for submitted claims and request additional ID cards by creating an account through the ADN website.

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  Finding In-Network Providers

  Locate in-network providers through the ADN Provider Search. Enrollees can find in-network providers in the following two PPO networks:

  • ADN Dental Network
  • DenteMax Network

  PPO providers have agreed to offer discounts on all services. By using PPO providers, you will be able to reduce your out-of-pocket expenses for dental services.

  Please be aware that even if a dental office "accepts" ADN that does not necessarily mean that they are a Participating Provider with one of the two PPO networks offered. Please be specific when asking your dental office whether they are "Participating" with the ADN or DenteMax PPO networks.

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  Out-of-Network Coverage

  Utilizing an in-network provider will offer the best discounts on services, but ADN does provide out-of-network coverage to enrollees as well. If you receive applicable services from an out-of-network provider, the provider can submit an out-of-network claim. If the provider refuses to submit the claim for you, which is unlikely, you would need to submit an itemized bill showing the following information to receive ADN discounts:

  • Provider’s TIN
  • Provider’s address
  • Provider’s phone number
  • Date(s) of service
  • CDT procedure code(s)
  • Tooth number(s), if applicable
  • Charge for service
  • Proof of payment

  This can be mailed to ADN Administrators (PO Box 610, Southfield, MI 48037) or emailed to memberservices@adndental.com.

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  Predetermination of Benefits

  ADN strongly recommends predetermination of benefits prior to any treatment when proposed procedures exceed $250. This process allows ADN to review the dentist's treatment plan and determine allowable benefits before any costs are incurred. The treating dentist should submit a claim form indicating their proposed treatment plan and include all necessary documentation such as pre- and/or post-operative x-rays, study models, photographs, charts, laboratory reports, and written documentation of need. The plan administrator will review all pertinent information and make a determination of benefits based on the information submitted. A written predetermination will be sent to the treating dentist and patient to inform them of the benefits determined.

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  Options If You Lose Job-Based Insurance

  If an employee loses their job-based insurance, there are different options to continue or find new insurance:

  Sign up for LCC COBRA continuation coverage

  Buy a new plan through the Marketplace