Dental, Dependent Coverage FAQs
How am I reimbursed for my dental expenses?
To be reimbursed for dental expenses, you must submit a claim form or have your dentist submit a claim form to Metropolitan Life Insurance Company. Claims must be filed within 12 months of the date of service.
When will my coverage start?
Your dental coverage will start immediately after you have satisfied the waiting period.
How will claims be paid?
You can arrange to have benefits paid directly to your dentist, or you can have Metropolitan reimburse you. To have the benefits paid to your dentist, you will need to sign the assignment section of the claim form.
If you have elected to participate in the Health Care Flexible Spending Account (FSA), your reimbursable, out-of-pocket expenses under the NYU Dental Assistance Plan, will be automatically submitted to your FSA for reimbursement.
Do I need to enroll in the NYU Dental Plan?
Yes, you enroll online through the Benefits Resource Center. If you want to cover your dependents, you must enroll them in the Plan. You can also waive coverage.
What happens if I am not at work on the day my coverage is supposed to start?
If you are not actively at work on the day your coverage is scheduled to begin, your coverage will start when you have returned to work.
Can I cover my spouse?
Yes, you can cover:
- your legal spouse
- your domestic partner whom you registered with the Benefits Office
If you are divorced, you cannot cover your divorced spouse.
Can I cover my domestic partner?
You can cover your opposite sex or same sex domestic partner if you:
- agree to be jointly responsible for each other's common welfare and to share financial obligations
- live together in a long-term relationship of indefinite duration
- are not related by blood to a degree of closeness which would prohibit legal marriage in the state in which you legally reside
To apply for coverage for your domestic partner, register your domestic partner with the NYU Benefits Office.
Can I cover my child?
You can cover:
- your natural child
- your stepchild
- your registered domestic partner's child
- your legally adopted child (or child placed with you for legal adoption)
- a child for whom you have been appointed legal guardian by a court of competent jurisdiction
- a child for whom you have been given temporary or permanent custody under an order issued by a court of competent jurisdiction
- a child for whom you have been appointed legal guardian by a court of competent jurisdiction or for whom you have been given temporary or permanent custody under an order issued by a court of competent jurisdiction.
For your child to be covered, he or she must be under age 26 (coverage ends at the end of the month in which age 26 is attained).
A newborn natural child is eligible for coverage at birth.
If at any time your child isn't considered a dependent child under this plan, your child's coverage will stop. (See also, "Continuation of Coverage under COBRA".)
How long can I cover my dependent child?
Generally, you can't cover your child as a dependent once your child reaches age 26. You may be able to extend coverage for your dependent child if your child was found to be physically or mentally handicapped, mentally ill, or developmentally disabled before the age of 26 and continues to be fully dependent on you for support and unmarried.
When does my dependent cease to be eligible for coverage under an NYU medical plan?
- Once your child no longer meets the requirements to be your dependent, your child's coverage will stop (See also "Continuation of Coverage under COBRA")
- at the end of the month of your divorce or revocation of your domestic partnership
- at the end of the month in which the child reaches age 26
Can I cover my disabled child after they are over age 26?
You can cover your disabled child after age 26 if the child is unmarried and fully dependent upon you for support and found to be physically or mentally handicapped, mentally ill, or developmentally disabled before the age of age 26.
Note: In order to cover your disabled child past age 26, the child's disability has to begin before the date eligibility would otherwise end and you will need to provide proof of the disability.
Can I cover my married child who is still dependent on me?
You can cover a married child as long as he or she is under age 26.
What happens if my spouse also works for the University?
You can cover your spouse as a dependent under your plan, or your spouse can cover you as their dependent, or you and your spouse can elect separate employee coverage, if eligible. Neither you nor your spouse can be covered as both an employee and a dependent under the plan.