BJC offers two dental options, High and Low, administered by Delta Dental of Missouri.
Both options provide access to the Delta Dental Premier network, featuring 80 percent of dental care providers nationwide and access to the Delta Dental PPO (preferred provider organization) network, which includes nearly 50 percent of all dentists nationwide.
Both High and Low options cover in-network preventive services (two dental cleanings per year) with no deductible. Both options cover basic care and major care, with dental plan participants paying more for these services under the Low option. Orthodontia is covered only in the High option.
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 |
0%; no deductible |
0%; no deductible |
20%; no deductible |
0%; no deductible |
0%; no deductible |
40%; no deductible |
| Basic Care |
20% after deductible |
40% after deductible |
40% after deductible |
30% after deductible |
40% after deductible |
40% after deductible |
| Major Care |
40% after deductible |
60% after deductible |
60% after deductible |
50% after deductible |
60% after deductible |
60% after deductible |
| Orthodontia Benefit |
| Services |
40% after deductible |
60% after deductible |
60% after deductible |
No coverage |
No coverage |
No coverage |
| Lifetime Maximum |
$2,000 |
$1,500 |
$1,500 |
| Annual Maximum Benefit |
$2,000 |
$1,500 |
$1,500 |
$1,000 |
$750 |
$750 |
Employee Cost for Dental Coverage
The costs below 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 |
Find a Dentist
With the Delta Dental “Find a Provider” search tool you can search for a dentist in your area. You also can use the tool to determine if your current dentist is within Delta Dental's networks.
Dental plan participants who discover that their current dentist is not within Delta Dental’s Premier or PPO networks, might want to ask their non-participating dentist to contact Delta Dental or call 314.656.2716 to become a participating provider, since the cost of network dental services are significantly less than those received out of network.
Mobile App
The Delta Dental mobile app delivers fast access to dentist search, claims, coverage, cost estimates, ID card information and more. Instructions to download the mobile app
ID Cards / Contact Delta Dental
Delta Dental issues your dental ID card. If you do not have your ID card, you provider can call Delta Dental to verify your eligibility and benefits. For more information or to find a provider, go to the Delta Dental website or call toll-free 800.335.8266.