Dental Insurance

Open Enrollment is happening NOW!

Dental insurance open enrollment is changing. The coverage dates, the deductible, and the Out-of-Pocket maximums will reset on July 1, 2023 with a new plan offered through Delta Dental that will run through June 30, 2024. We will still offer two coverage tiers:

DHMO called Delta Care USA which is $18.39 per month
PPO called Delta Dental PPO plus Premier which is $54.04 per month

You can click on the plan titles above to view the Benefit Summaries for each plan. The PPO Certificate of Coverage can be found here.

About the Voluntary Dental Plan

Weill Cornell Medicine (WCM) provides students and their dependents the opportunity to obtain dental coverage while they are a degree-seeking student. To participate, students must meet one of the following criteria below:

Enroll within 30 days of their program start date
Enroll during the open enrollment period each year (information emailed 1st week of May).
Change of existing coverage

Enrollment will not be activated until payment arrangements have been finalized.

Information for Enrollment

There are three periods in which students can enroll in the plan, they are outlined below with the instructions to apply for enrollment.

When you start- you can enroll within 30 days of your program start date.
- New Student Open Enrollment: Dental & Vision Coverage Form - this form is only available to eligible students in the first 30 days of their program.
During the annual open enrollment period (May 1 - May 14 each year) you can fill out the open enrollment form- instructions to be emailed during each enrollment period to your WCM email address.
If you experience a change to your existing coverage- if you lose coverage during the year, you will be able to enroll in the WCM plans.*
- Coverage Change Request - This form is only available to students eligible to enroll in insurance. There is no date restriction but the form is subject to approval based on the supporting documentation.
- The form must be submitted with all supporting documentation within 30 days of your qualifying life event. Please understand that no exceptions outside of the required deadline will be made.

*Coverage change means that you have a change in your situation such as marriage/partnership, birth of a child, or loss of health coverage.

To access the forms above, login to your LEARN account and select the following:

Financial Aid & Billing tab from the top navigation bar
Scroll to the bottom of the page and select the link for ‘Insurance Forms’
Select the desired form from the options there

If you do not see the form you desire, you may not be eligible for the service the form may not yet be available. You can contact Student Accounting at student-accounting@med.edu with any questions.

Delta Dental Monthly Rates

Coverage level	DeltaCare USA	Delta Dental PPO plus Premier
Student Only	$18.39	$54.04
Student + Spouse	$36.25	$105.04
Student + Children	$38.82	$124.37
Family	$56.68	$175.37

Coverage Termination/ Graduation

If you are graduating or separating from WCM, you (and your dependents) are no longer eligible for coverage. Any active coverage automatically ends on the last day of month in which your student status is terminated.

If your coverage is terminated prior to the period that payment has been made for, the Student Accounting office will prorate the applicable charges and reimburse you for any amounts paid out of pocket for any credit left on your account. As addresses are subject to change, we strongly recommend that you sign up for direct deposit to ensure you receive the credited amount directly to your bank account. Direct Deposit instructions can be found here.

Dependent Enrollment

Information:

If you are participating or will participate in the plan, you have the option to enroll your dependents under your plan during the open enrollment periods outlined above in the Vision Insurance Information section. The required documents for enrollment are outlined below.

Lawful spouse/domestic partners:
- Domestic students – the relationship must be documented by a domestic partner certificate, civil union certificate, or marriage license
- International students – the relationship must be documented by a copy of the dependent's visa (showing arrival date into the United States) and either a marriage license or a form documenting household register
Unmarried children:
- Includes biological children, stepchildren, and foster children up to age 26, who are not self-supporting, and who reside with you (or for whom you are court-ordered to provide insurance)
- A birth certificate for each child must be provided

To Enroll your Dependents:

If you wish to enroll yourself and/or your dependents in coverage, there are three forms you can fill out based on circumstances:

New Student Open Enrollment: Dental & Vision Coverage - this form is only available to eligible students in the first 30 days of their program.
Coverage Change Request -this form is only available to students eligible to enroll in insurance. There is no date restriction but the form is subject to approval based on the supporting documentation.
During the annual open enrollment period (November 1 - November 30 each year) you can fill out the open enrollment form- instructions to be emailed during each enrollment period to your WCM email address.