Product Descriptions – Minnesota

In the following products, a minimum of 5 employees must enroll regardless of the group’s size or options selected

Preventive, Comprehensive Standard, Comprehensive Enhanced (5-99 Eligible Employees)

  • Groups with 20% or more of eligible employees residing outside Minnesota are subject to underwriting review.
  • Employee-only plans are available for groups of 5+.
  • Standard coordination of benefits for small group pooled products.
  • If coverage is waived, a qualifying event must occur to gain coverage unless the group qualifies for an open enrollment.
  • Dental offices/clinics are not eligible.
  • Only full-time employees are eligible for a dental plan. Full-time employment is defined as a minimum of 20 hours per week, subject to the employer’s practice. Seasonal or temporary employees are not eligible.
  • Groups of any size may request domestic partners coverage (same-sex and/or opposite sex).
  • The employer may only select one product for all employees.

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Plan I, Plan II, Plan III, Plan IV (5-99 Eligible Employees)

  • One-time enrollment.
  • 100% of all eligible employees and 100% of eligible dependents not covered by another dental plan must enroll.

  • Annual open enrollment if 10 or more employees enroll.
  • Enrollment must consist of at least 80% of all eligible employees and 80% of eligible dependents not covered by another dental plan with a minimum of 10 employees enrolled.

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Millennium Choice – Standard, Enhanced (5-199 Eligible Employees)

  • One-time enrollment.
  • 100% of all eligible employees and 100% of eligible dependents not covered by another dental plan must enroll.

  • Annual open enrollment if 10 or more employees enroll.
  • Enrollment must consist of at least 80% of all eligible employees and 80% of eligible dependents not covered by another dental.

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Dental Flex (5+ Eligible Employees)

  • Annual open enrollment.
  • A minimum of 5 employees must enroll.
  • For new groups not covered by an existing dental plan, the published waiting periods apply. For groups that have had at least 12 consecutive months of employer- paid comparable basic and major coverage, all waiting periods are waived. For new groups with at least 12 consecutive months of comparable voluntary basic and major coverage: If 90% of the enrolling group is covered under the previous dental plan, all waiting periods are waived.

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Discover (Non-Network Program) 5+ Eligible Employees

  • One-time enrollment
  • A minimum of 5 employees must enroll.

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Orthodontic Discount Program


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Underwriting Guidelines and Participation Requirements