Dental Insurance-Delta Dental

Open Enrollment for Dental benefits is held from November 1 through November 30, 2009. Employees may make changes to their dental benefits through Banner Self-Service during the Open Enrollment period. Employees may choose a different plan option (flex, basic plus or basic), or may add/delete dependent(s). These elections will become effective on January 1, 2010.

For the 2010 Plan Year, there will not be any changes to the plan options. To view the Summary Plan Description, click here. However, there is a 4.8% increase to the plan premium as shown below.

New Delta Dental cards will only be issued to new enrollees. You may order additional cards or replacement cards by calling Delta Dental at 314-656-3001 or by going online at www.deltadentalmo.com.

Saint Louis University offers three plans with Delta Dental. Option 1, Flex Option, (9142-1000) provides the highest level of benefits as well as coverage in the PPO network, and out of the PPO network. The Flex option also includes adult and child orthodontia. Option 2, Basic Plus, (9143-5000) provides a lower level of benefits, and requires that you see a Delta PPO dentist to receive these benefits. The Basic Plus option offers orthodontia for children. The Basic plan, Option 3, (9143-1000) offers a lower level of benefits than Option 2, and does not include orthodontia. For the Basic plan, you must use a Delta PPO dentists to receive benefits.

Click here to see the 2010 schedule of benefits for each plan.

Dental Plan Rates Effective January 1, 2010

Biweekly	Option 1 Flex Option	Option 2 Basic Plus Option	Option 3 Basic Option
Employee Only	$13.38	$8.73	$6.18
Two Person	$26.18	$16.57	$12.11
Family	$44.82	$28.19	$21.66
Monthly	Option 1 Flex Option	Option 2 Basic Plus Option	Option 3 Basic Option
Employee Only	$28.98	$18.92	$13.40
Two Person	$56.73	$35.91	$26.24
Family	$97.11	$61.08	$46.94

Delta Dental's Frequently Asked Questions provide helpful information as well.

Please note that not all services are in the same categories for all Plan Options. For example, bitewing and periapical x-rays as required are in coverage Section A. Preventative Services for the Flex Option, and coverage Section B. Basic Services for the Basic and Basic Plus Options. These levels of coverage have different percentages of coverage associated with each category.

To seach for a dentist in the PPO network, visit www.deltadentalmo.com, and click "Subscribers" and "Dentist Search." Please note, if you have Option 2 or Option 3, you will only receive dental benefits when you visit a Delta PPO network dentist.

Click here for an Enrollment/Change form.