Dental Insurance
Plan Details
Plan Details
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Features of the plans include:
Employee Coverage
The plan is available to MSBA members (and their families) and to employees/families of MSBA member firms where the firm is four or fewer employees including the MSBA member. Firms with five or more members are eligible to purchase Delta Dental's group products.
Advantages of seeing a network dentist include no paperwork and lower out-of-pocket costs.
That's because our network dentists agree to accept our Maximum Amount Payable (MAP) as payment in full.
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- A choice of two plan options
- Both provide 100% * coverage for preventive care with no waiting periods (exams, cleanings and fluoride treatments)
- Solid coverage for basic and major services such as fillings, sealants, crowns, extractions, dentures, etc.
- Freedom to see any dentist, with the greatest savings from network dentists
- An orthodontics program available as an option for covered dependent children (age 8-18)
- International emergency treatment automatically included
| Plan A * | Plan B * | |
| Service -Diagnostic/Preventive Routine exams, X-rays and cleanings, fluoride treatments |
COINSURANCE | |
| 100% No waiting period |
100% No waiting period |
|
| - Basic Fillings and sealants, extractions, non-surgical periodontal care |
50% 6-month waiting period |
80% No waiting period |
| -Major Crowns, bridges, dentures, root canals |
50% 12-month waiting period |
50% 3-month waiting period |
| Annual Deductible Diagnostic and preventive services are not subject to the deductible |
$75 per person | $50 per person |
| Annual Maximum | $750 per person | $1500 per person |
| Optional – Orthodontics (Available for covered dependent children only, age 8-18) |
50% to lifetime max. of $1,000 12-month waiting period |
50% to lifetime max. of $1,000 12-month waiting period |
*Coverage at non-network dentists is subject our Maximum Amount Payable (MAP), which is the maximum amount Delta Dental will pay for a given procedure. The following example illustrates how this works
Network vs. non-network coverage on Plan B
In-network filling and sealant -- We pay 80%. You pay 20% of the MAP.
Any covered charge over our MAP is waived by the dentist for the Delta Dental
member.
Out-of-network filling and sealant -- We pay 80% of our MAP. You pay
20% of our MAP, plus any amount the dentist charges in excess of our MAP.
| Premiums | Plan A | Plan B | ||||
| Without orthodontia | Monthly | Quarterly | Annual | Monthly | Quarterly | Annual |
| MSBA member | $30.17 | $90.51 | $362.04 | $39.14 | $117.42 | $469.68 |
| MSBA member + spouse | $61.57 | $184.71 | $738.84 | $80.42 | $241.26 | $965.04 |
| MSBA member + children | $57.51 | $172.53 | $690.12 | $73.14 | $219.42 | $877.68 |
| Family | $87.40 | $262.20 | $1048.80 | $111.17 | $333.51 | $1334.04 |
| With orthodontia | ||||||
| MSBA member + children | $66.26 | $198.78 | $795.12 | $81.89 | $245.67 | $982.68 |
| Family | $96.15 | $288.45 | $1153.80 | $119.92 | $359.76 | $1439.04 |
Employee Coverage
The plan is available to MSBA members (and their families) and to employees/families of MSBA member firms where the firm is four or fewer employees including the MSBA member. Firms with five or more members are eligible to purchase Delta Dental's group products.
Advantages of seeing a network dentist include no paperwork and lower out-of-pocket costs.
That's because our network dentists agree to accept our Maximum Amount Payable (MAP) as payment in full.
Dentist Search