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UC SHIP Dental Benefits

UC SHIP dental benefits are provided through a Delta Dental of California PPO plan.

Dental services are not available at the Student Health and Wellness Center, but you may elect to obtain services from any licensed dentist nationwide.

Dental services DO NOT require a referral from Student Health.

General Information - Dental

In-Network Services: PPO Contracted Providers

Deductible - $25 per person each plan year

Maximums* - $1,000 per person each plan year

Waiting Period - None

* - The maximum amount for in and out of network benefits are combined. No member will have more than $1,000 in benefits per plan year.

Benefits and Covered Services

In-Network Services: PPO Contracted Providers

Diagnostic & Preventive (Exams, cleanings, x-rays) - 100%

Basic Services (Fillings, sealants, posterior composites) - 80%

Endodontics (root canals) - 80%

Major Services (Crowns, inlays, onlays, cast restorations) - 70%

Prosthodontics (Bridges, dentures, implants) - 70%

How To Use The UC SHIP Dental Benefits

Option 1 - For your lowest out-of-pocket costs, you may visit a Delta Dental PPO dentist. These are Delta Dental dentists who have agreed to accept discounted fees for Delta Dental PPO enrollees

Option 2 - You may visit a dentist from the Delta Dental Premier dental list. These dentists represent a very broad, nationwide network, whose fees are determined by Delta Dental. Your out-of-pocket costs with a Premier dentist will usually be lower than with a non-Delta Dental dentist.

Option 3 - You may select any licensed dentist, even one who is not a PPO or Premier dentist. With this option, you will likely have higher out-of-pocket costs since these dentists have no fee restrictions.

Set Up An Online Account With Delta Dental

Get information about your plan anytime, anywhere by signing up for an Online Services account at deltadentalins.com/ucship. This free service, available once your coverage kicks in, lets you check benefits and eligibility information, find a network dentist and more.

Register with your student ID number (including all alphanumeric characters) or your medical ID number (beginning with the number “8” and no letters).

Get A Cost Estimate

Budget for dental expenses with the Cost Estimator. Go to deltadentalins.com/ucship, log in to Online Services and click on Cost Explorer by your name. You’ll get a cost estimate personalized to your benefits, including maximums and deductibles, and you can compare the cost of the same procedure at different dentists.

UC SHIP Dental Benefits Documents

Evidence of Coverage - a detailed description of your UC SHIP dental benefits.

Evidence of Coverage (pdf) - English

How To Find A Provider

Glossary of Insurance Terms

Copay
The flat fee you pay for covered services, usually due at the time you receive care. For example, you might pay a $15 copay to see a primary care doctor or specialist.
Co-insurance
The slice of a medical service you’re responsible for. For example, you might pay 20% of the cost for a particular service, and the insurance company or plan will pick up the tab for the remaining 80%.
Annual Deductible
The amount you have to pay toward medical costs before UC SHIP starts paying part of the bill.
Emergency
An illness, injury, symptom or condition so serious that a reasonable person would seek care right away to avoid severe harm or death.
Maximum Allowed Amount
The total reimbursement payable under your plan for covered services you receive from in-network and out-of-network providers. It is the claims administrator’s payment toward the services billed by your provider, combined with any deductible or coinsurance you may owe. If you receive services from an out-of-network provider, the provider will bill you the difference, if any, between their charges and the maximum allowed amount.
Maximum Out of Pocket
The maximum amount of money you’ll have to pay for health care in a year. After you meet the maximum, UC SHIP covers 100% of all eligible costs for the rest of the plan year.
In-Network
A group of healthcare providers and facilities—including doctors, hospitals, and labs—that contract with your healthcare plan to provide services at negotiated discount rates. You’ll usually pay less when you use a network healthcare provider. UC SHIP contracts with Anthem Blue Cross to provide access to its extensive network of hospitals and providers, including UC Family facilities and provider groups.
Out of Network
Health care professionals, hospitals, clinics, and labs that do not belong to the Anthem Blue Cross Prudent Buyer network. You’ll typically pay more and may need to file a claim for payment.
Customary and Reasonable
A Customary and Reasonable charge, as determined annually by Anthem Blue Cross, is a charge which falls within the common range of fees billed by a majority of physicians for a procedure in a given geographic region, or which is justified based on the complexity or the severity of treatment for a specific case. When a non-Anthem Blue Cross physician is used, the patient is responsible for payment of all charges in excess of the Anthem Blue Cross C&R payment.
Referral
Written authorization given by the student health center (SHC) to seek care outside of the SHC for medically necessary services.