Dental Insurance - Delta Dental

Dental insurance rates change on the fiscal year calendar every 3 years, with new rates implemented in the first June paycheck for a July 1st coverage effective date. Please know that dental insurance premiums are paid one month in advance. For example, premium charges in the month of June are applied to coverage costs in the following month of July. The Town does not contribute towards the premium cost of the plan (Dental Insurance is 100% employee-funded), but employees receive a group discount on the premiums, which are deducted on a pre-tax basis.

New Employee Premium "Make-Up"

Upon enrollment, the employee’s premium contributions will be calculated for the remaining months of the fiscal year. If this calculation indicates that the employee’s payroll deductions will not fully satisfy the required premium obligation, a “make-up” premium will be applied to the employee’s initial pay period(s) to ensure the full premium obligation is met. 

This will appear on paystubs as "Dental MU" and is calculated based on a pro-rated monthly premium charge amount.

• FY26 Dental Insurance Rates (PDF)
• Dental Enrollment/Change Form (PDF)

Plan Options

Delta Dental Premier Voluntary Basic Plan

• Table Plan
• Flat rate coverage
• No deductible
• $1,500 calendar year max per person
• Delta Dental Premier Voluntary Basic Schedule of Benefits (PDF)

Delta Dental PPO Plus Premier Voluntary Enhanced Plan

• Percentage-based/cost share plan after deductible
• $1,500 calendar year max per person
• Delta Dental PPO Plus Premier Voluntary Enhanced Plan Schedule of Benefits (PDF)

Additional Dental Insurance Plan Information

Dental Plan Comparison (PDF)