01 - UMCU
02 - Delta Dental

University of Michigan Credit Union Members!

Welcome to Michigan's largest dental benefits family!

Group #: 10342-0005

As a member of Delta Dental of Michigan, you have access to the nation's largest dental networks:
Delta Dental PPO and Delta Dental Premier.

Dental Benefit Highlights for University of Michigan Credit Union Members

As a member of Delta Dental of Michigan, you have access to the nation's largest dental networks: Delta Dental PPO and Delta Dental Premier.

  • It's easy to find a dentist! Four out of five dentists nationwide participate in our network.
  • You have superior access to care and fee savings because of our agreements with participating dentists.
  • Our dentists cannot balance bill you, which means more money in your pocket!
  • No troublesome paperwork! Network dentists will fill out and file your claims.
  • Pay only your copayments and/or deductibles when you receive care from network dentists – there are no hidden fees.
  • You can still visit nonparticipating dentists, but you may be billed the full amount at the time of service and then have to wait to be reimbursed.

Quality Dental Program

With our quick and accurate claims processing, we pay more than 90% of claims in 10 days or less. Delta Dental also offers world-class customer service from our BenchmarkPortal Certified Center of Excellence call center.

Online Access

Our online Consumer Toolkit lets you access your dental plan securely over the Internet. You can find a dentist, check benefits, select paperless notices, review claims and amounts used toward maximums, print ID cards, and more – all at your own convenience.

A Healthy Smile

Keep your smile healthy with dental benefits from Delta Dental. Your smile is a good indicator of your health. Did you know that your dentist can detect up to 120 different diseases, including diabetes and heart disease? Early detection is one of the best ways to prevent further complications.


If you have questions, please call our Customer Service team at (800) 524-0149 or look online at www.DeltaDentalMI.com.

Diagnostic & Preventive
Diagnostic and Preventive Services - exams, cleanings, fluoride, and space 100% maintainers 100% 100% 100%
Emergency Palliative Treatment - to temporarily relieve pain≈ 100% 100% 100%
Sealants - to prevent decay of permanent teeth 100% 100% 100%
Brush Biopsy - to detect oral cancer 100% 100% 100%
Radiographs - X-rays 100% 100% 100%
Basic Services
Minor Restorative Services - fillings and crown repair 80% 80% 80%
Endodontic Services - root canals 80% 80% 80%
Periodontic Services - to treat gum disease 80% 80% 80%
Oral Surgery Services - extractions and dental surgery 80% 80% 80%
Other Basic Services - misc. services 80% 80% 80%
Relines and Repairs - to prosthetic appliances 80% 80% 80%
Major Services
Major Restorative Services – crowns 50% 50% 50%
Prosthodontic Services - bridges, implants, dentures, and crowns over 50% implants 50% 50% 50%
Orthodontic Services - NO AGE LIMIT
Orthodontic Services - braces 50% 50% 50%

* When you receive services from a Nonparticipating Dentist, the percentages in this column indicate the portion of Delta Dental's Nonparticipating Dentist Fee that will be paid for those services. The Nonparticipating Dentist Fee may be less than what your dentist charges and you are responsible for that difference.

Maximum Payment – $1,000 per person total per calendar year on Diagnostic & Preventive, Basic Services, and Major Services. $1,000 per person total per lifetime on Orthodontics.

Deductible – $25 deductible per person total per calendar year limited to a maximum deductible of $75 per family per calendar year on all services except diagnostic and preventive services, emergency palliative treatment, sealants, brush biopsy, X-rays, and orthodontic services.

Waiting Period – Orthodontic services will not be covered until after a person is enrolled in the dental plan for 12 consecutive months. For the initial enrollment only, the waiting periods(s) can be waived for all services if the enrollee was covered for at least 12 months under the immediately preceding dental plan.

Note – This information is only intended to provide a brief description of your benefits. Please refer to your Certificate and summary for a complete description of benefits, exclusions, and limitations.



Member only



Member w/spouse or one dependent



Member w/two or more dependents


Dental Benefit Highlights

Download a PDF version of this information.

Sign Up

Find a Delta Dental Participating Dentist

04 - Adult Orthodontic Coverage Included

How Delta Dental Pays for Orthodontic Services

Proper tooth alignment is important not only for a beautiful smile but also for function. When teeth are aligned, it’s easier to chew and talk. And it’s also important to correct and guide tooth and jaw development as a child grows, in order to ensure a healthy and functioning smile for adulthood.

Orthodontic services, often referred to as “ortho,” are services, treatment, and procedures used to correct malposed or misaligned teeth. These services can include braces, retainers, and other orthodontic appliances. Your coverage level for orthodontic services depends on the plan chosen by your employer/ organization. Orthodontic services are usually payable for eligible people up to age 19 and limited to the lifetime maximum per person as specified in your Summary of Dental Plan Benefits.

Your Benefits, at Your Fingertips!

The Delta Dental Mobile App helps you get the most out of your dental benefits anytime, anywhere. Use the dentist search without logging in, or enter your username and password to securely access your personal benefit information or estimate your dental care costs.

» Coverage and claims information

See your plan type, benefit levels, deductibles, maximums, and more. Check the status of recent dental claims. Add your dependents to your account to be able to access the whole family’s coverage in one spot.

» Dental Care Cost Estimator

This easy-to-use tool provides estimated cost ranges on common dental care needs for dentists in your area. You can even select your dentist for tailored cost estimates.

» Dentist search

It’s easy to find a participating dentist near you! Search and compare dental offices to find one that suits your needs. Narrow the list with criteria like ‘language spoke’ and ‘specialty.’ After you choose a dentist, you can save the contact information and get directions.

» Mobile ID card

There’s no longer a need to carry a paper ID card. Simply show the dentist’s office your mobile ID card right on your screen. Easily save it to your device for quick access using Apple Passbook or Google Wallet.

Get Started


Delta Dental’s free app is optimized for iOS (Apple) and Android devices. To download our app on your device, visit the App Store (Apple) or Google Play (Android), and search for Delta Dental. Or, scan the QR code at right.

Log in for secure access

Delta Dental subscribers can log in using the username and password used to log in to www.deltadental.com. If you haven’t registered for an account yet, visit www.deltadentalmi.com/consumertoolkit and click Sign Up. If you’ve forgotten your username or password, visit www.deltadentalmi.com/consumertoolkit and click Log In. You must log in each time you access the secure portion of the app. No personal health information is ever stored on your device.

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