Dental Plans for College Students

The world of college student dental plans is a dense one. A number of companies offer what at first seem to be reliable and inexpensive dental plans for students, which upon closer inspection offer virtually no coverage, or stipulate that policy holders must be members of a larger insurance group or policy before signing up for a dental plan. A few companies and a number of schools provide reliable dental insurance for students.

Associated Insurance Plans

• Associated Insurance Plans provides dental and vision insurance plans for students attending certain colleges and universities (see Resources). At the elite and premier levels, AIP plans cover initial and periodic exams, cleanings and sealants for three years. At the select level, these costs are covered at 75 percent in the first year, 85 percent in the second year and 100 percent in the third year. X-rays, fillings, surgery, extractions, periodontics, endodontics, crowns, bridges and dentures are all partially covered, with a maximum coverage of $2,000 annually.

  Associated Insurance Plans International

  28085 Ashley Circle, Suite 201

  Libertyville, IL 60048

  800-452-5772

  aipinternational.com

United Health One

• United Health One provides relatively inexpensive dental plans that, though not specifically designed for college students, help students keep insurance costs low while providing relatively extensive coverage. The online insurance resource eHealth Insurance quotes a United Health One plan for young men and women of college age in 2010 at $20.96 per month. The plan covers office visits, teeth cleanings and X-rays in full. United Health One covers 50 percent of oral surgery, crowns, periodontics and dentures, though it requires a 12-month waiting period for procedures.

  United Health One

  7440 Woodland Drive

  Indianapolis, IN 46278

  317-715-7111

  goldenrule.com

Stu-Dent Plan

• The New York University College of Dentistry offers the Stu-Dent dental plan to NYU students. The plan covers oral examinations, X-rays, preventive care such as prophylaxis and sealants, and restorative treatment such as amalgams and composites. Dental services not covered by the plan are offered at discounts to policyholders. In 2010, the Stu-Dent plan costs $225 for the first 12 months and $185 for subsequent years. Dental work is provided by graduating dentists and dental hygienists at the school, overseen by licensed faculty. Other schools with dental plans include Bates College, the graduate school at the University of Illinois and De Anza College of California.

  New York University College of Dentistry

  NYU Stu-Dent Plan

  NYU Dental Faculty Practice

  726 Broadway, Suite 350

  New York, NY 10211

  212-443-1313

  nyu.edu