Understanding Harvard Dental Insurance and Its Benefits

Harvard dental insurance is a comprehensive plan designed to provide financial protection against unexpected dental expenses.

This plan is available to Harvard University students, faculty, and staff, as well as their families.

With Harvard dental insurance, you can expect to pay a small monthly premium in exchange for a wide range of benefits.

Harvard dental insurance covers a variety of services, including routine cleanings, fillings, and extractions.

The plan also covers more complex procedures, such as crowns, bridges, and dentures.

In addition, Harvard dental insurance offers coverage for orthodontic treatment, including braces and Invisalign.

If you're a Harvard student, you have two options for dental coverage through BCBSMA's Dental Blue plan. You must take action to enroll or renew your coverage by September 30.

To participate, you'll need to submit a completed dental application and documentation to HUSHP Member Services, including a copy of your official insurance termination letter if you have other dental insurance coverage ending.

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You can choose from individual or family coverage, which includes eligible dependents like spouses and children under 26. This is a great option for those who want to ensure they have dental coverage, even if they're not automatically enrolled.

Don't forget to check your eligibility for Harvard's benefits programs, which require you to work at least 17.5 hours per week or earn a base annual rate of at least $15,000.

If you're a J-1 visa holder, be aware that Harvard's high deductible plan option doesn't meet the J-1 health insurance requirements, so you'll need to choose a different plan.

Harvard students and their qualified dependents can enroll in the Blue Cross Blue Shield of Massachusetts Dental Blue Plan for optional dental insurance.

You can receive convenient on-campus care through the Harvard University Health Services (HUHS) Dental Service or from any dentist who participates in the BCBSMA Dental Blue network.

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The Dental Center in the Longwood Medical Area houses the Teaching Practices, where treatment is delivered by pre-doctoral dental students and advanced graduate dental students.

You can save money on dental care by using dental clinics associated with dental schools, such as the one at Harvard.

Most dental insurance plans, including those offered through Harvard, do not cover preventative care or necessary dental work prior to arrival in the US.

Dental insurance may help you save money on unexpected dental care needs, most of which will not be covered by standard health insurance.

You can find private dentists via general internet searches, but be aware that costs at dental clinics associated with dental schools are usually less expensive than private dentists.

Harvard's medical and dental insurance plans offer individual coverage and/or family coverage, which include eligible dependents (spouses and children under the age of 26).

Harvard University faculty and staff are eligible for a wide range of benefits programs, including health insurance, if they're employed on a regular University payroll and work at least 17.5 hours per week or earn at least $15,000 per year.

To participate in most of Harvard's benefits, you'll need to take some action, but some cover you automatically once you become eligible.

Harvard's medical and dental insurance plans offer individual and family coverage, including eligible dependents like spouses and children under 26.

The "high deductible plan option" offered by Harvard doesn't meet the J-1 health insurance requirements, so J-1 visa holders should avoid selecting this plan.

Benefits Consultants in the Office of Human Resources handle all questions about medical insurance plan options and can be reached at 617-496-4001.

Additional reading: Benefits of Dental Insurance