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

  • No coverage

$2,000

$1,500

$1,500

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 pretax, 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 + Famil;y

$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

4901 Forest Park Avenue
St. Louis, Missouri 63108
314.286.2000
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