Dental


BJC offers two dental options -- High and Low -- both administered by Delta Dental of Missouri.

Both options provide access to the Delta Dental Premier Network, which features more than 80 percent of dental care providers nationwide, as well as access to the Delta Dental PPO (preferred provider organization) Network, which includes nearly 50 percent of all dentists nationwide.

Both the High and Low options cover in-network preventive services (two dental cleanings per year) with no deductible. Both options also cover basic care and major care, with dental plan participants paying more for these services under the Low option. Orthodontia (braces) is covered only in the High option, so if you don’t anticipate orthodontia expenses in 2019, you might save yourself some money by electing the Low option during annual enrollment.

Dental Coverage Chart

    High     Low  
 

PPO Network

Premier Network

Non-Network

PPO Network

Premier Network

Non-Network

Annual Deductible
  • Per Individual

$50

$50

$50

$75

$75

$75

  • Per Family

$100

No limit

No limit

$150

No limit

No limit

Preventive Care

100%; no deductible

100%; no deductible

80%; no deductible

100%; no deductible

100%; no deductible

60%; no deductible

Basic Care

80% after deductible

60% after deductible

60% after deductible

70% after deductible

60% after deductible

60% after deductible

Major Care

60% after deductible

40% after deductible

40% after deductible

50% after deductible

40% after deductible

40% after deductible

Orthodontia Benefit
  • Services

60% after deductible

40% after deductible

40% after deductible

No coverage

No coverage

No coverage

  • Lifetime Maximum

$2,000

$1,500

$1,500

No coverage

No coverage

No coverage

Annual Maximum Benefit

$2,000

$1,500

$1,500

$1,000

$750

$750

Employee Costs for Dental Coverage

The costs listed below (which have increased for 2019) are pre-tax, per-pay-period deductions, based on 26 pay periods a year.

  Full-Time & Part-Time
HIGH  
Employee Only $4.57
Employee + Children $18.27
Employee + Spouse $16.94
Employee + Family $22.00
   
LOW  
Employee Only $2.91
Employee + Children $10.52
Employee + Spouse $10.61
Employee + Family $12.42

For more information, go to Delta Dental or call toll-free 800.335.8266