Benefits Education - Dental Insurance

Dental Insurance
Oklahoma State University offers 4 dental plans: one plan through HealthChoice Dental, and three plans through Delta Dental.  All plans have the same core benefits which are divided into four different classes:

Class I: Diagnostic & Preventive coverage includes cleanings, x-rays, and routine oral exams
Class II: Basic Care coverage includes fillings, extractions, root canals, and periodontics
Class III: Major Care coverage includes dentures bridgework, crowns, and implants
Class IV: Orthodontics

The following information represents your out-of-pocket expenses utilizing in-network providers:

 

HealthChoice Dental

Delta PPO

Delta PPO Premier

Delta PPO-Choice

Deductible

$25/person, per year (applies to Class II & III)

$25/person, per year (applies to Class II & III)

$50/person, per year (applies to Class I, II & III)

$100/person, per year (applies to Class III only)

Class I

$0

$0

$0 after deductible

Copay examples:

-Routine cleaning-$5

-Periodic oral evaluation-$5

-Topical fluoride application (up to age 19)-$5

Class II

15% after deductible

15% after deductible

30% after deductible

Copay example:

-Amalgam – one surface, primary or permanent tooth -$12

Class III

40% after deductible

40% after deductible

50% after deductible

Copay examples:

-Crown – porcelain/ceramic substrate-$241

-Complete denture – maxillary-$320

Class IV

50%

-12-month waiting period applies

-No lifetime maximum

-Covered for members under age 19, and members age 19 & older with TMD

40%

-up to lifetime maximum of $2,000

-No deductible

-No waiting period

 

40%

-up to lifetime maximum of $2,000

-No deductible

-No waiting period

 

 

You pay amounts in excess of $50/month

-Lifetime maximum of $1,800

-No deductible

-No waiting period

For additional benefit information, please visit http://hr.okstate.edu/benefits/dental.  To find providers for your dental coverage, please visit the website for your respective dental provider: HealthChoice at https://gateway.sib.ok.gov/providersearch/ ; and Delta at http://www.deltadentalok.org/client/ok/ .

Slideshow Title: 
Benefits Education
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Dental Insurance
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Benefits Education