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	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 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.