Health
Dental
Dental coverage for preventive care, basic and major services, and orthodontia.
You’re eligible to enroll in dental coverage if you’re a full-time employee, or a part-time employee working at least 30 hours per week.
You have two plans to choose from through Delta Dental:
- Basic Dental — dental only
- Enhanced Plan — dental plus orthodontia
Understanding your dental plan options
This page reflects in-network coverage only. For out-of-network details, see the plan documents. [LINK]
How the plans differ
- The Basic Dental Plan has lower monthly premiums, higher deductibles, a lower annual benefit maximum, and doesn’t cover orthodontia.
- The Enhanced Plan has higher monthly premiums, lower deductibles, a higher annual benefit maximum, and includes coverage for orthodontia.
What you will pay for care (in-network)
The deductible is the amount you pay before the plan starts to pay. The annual benefit maximum is the most the plan will pay for covered expenses each plan year. These reset annually on January 1.
- Preventive services from in-network providers are generally covered at no cost. You pay a small deductible and coinsurance for basic and major services.
- You will pay the least with a Delta Dental PPO network dentist. Premier network dentists cost a bit more but still cap what you pay.
- Out-of-network dentists have no agreement with Delta Dental, so you will usually pay the most and owe the difference between their fee and what the plan allows.
Basic Dental
| Deductible, services | PPO network | Premier Network |
|---|---|---|
| Deductible, individual | $50 | $50 |
| Deductible, family | $150 | $150 |
| Annual benefit max (per person) | $1,000 | $1,000 |
| Preventive (exams, cleanings, X-rays, fluoride) | 0% | 0% |
| Basic (fillings, sealants, extractions, emergency exams) | 10% | 20% |
| Major (crowns, dentures, bridgework, oral surgery, endo, perio) | 40% | 50% |
| Orthodontia | not covered | not covered |
Enhanced Plan
| Deductibles, services | PPO network | Premier Network |
|---|---|---|
| Deductible, individual | $25 | $25 |
| Deductible, family | $75 | $75 |
| Annual benefit max (per person) | $2,000 | $1,500 |
| Preventive | 0% | 0% |
| Basic | 10% | 20% |
| Major | 40% | 50% |
| Orthodontia (adults and children) | 50% up to $2,500, no deductible | 50% up to $2,500, no deductible |
Cost for coverage
You pay monthly premiums for vision coverage through payroll deductions. The amount you pay in premiums depends on which plans you choose and who you cover.
How to enroll
You can enroll in vision coverage in ADP [NEED LINK] within 30 days of your hire date or qualifying life event.
Coverage starts the first of the month after your hire date.
Using your dental plan
Search the Delta Dental network and select Delta Dental PPO as the plan network to find in-network dentists.
Contact:
Delta Dental of Missouri
Dental insurance
800-335-8266
Resources:
Benefits Questions?
Contact your HR Team:
ADP Portal
Secure access to your benefits information.