Current Provider: Delta Dental
- Group Number: 2224
- Customer Service: 800-335-8266
- Website: Deltadentalmo.com
- Delta Dental Benefits Summary (PDF)
Delta Dental, the nation’s leading dental insurance company with the largest network of dentists nationwide, administers the WashU dental plan. The Delta Dental plan is designed to give you greater choice in selecting dentists and help you save on out-of-pocket costs.
Enrollment Period
Eligible employees may enroll within 31 days after their date of hire, during the annual open enrollment (in November) and/or within 31 days (62 days for birth of baby) after a qualified family status change or life event.
Effective Date
Eligible rehires and new hires become eligible for coverage on their date of hire. Changes made to benefit coverage due to a life event or job change will also be effective as of the date of the event, provided the change is made within 31 days (62 days for birth, adoption and Medicaid coverage change) of the event. Changes made during the annual Open Enrollment period in November are effective January 1 of the subsequent year.
Dental Coverage
The following table summarizes your benefits under the Dental plan.
| Plan Features | Your PPO In Network Cost | Your Premier Network Cost | Your Out of Network Cost |
| Annual Calendar Year | |||
| Deductible (apples to Basic and Major Services) – Individual – Family | $50 $150 | $50 $150 | $50 $150 |
| Coinsurance – Preventative Care – Basic Services – Major Services – Orthodontia | 0% 20% 50% 50% | 10% 40% 50% 50% | 10%* 40%* 50%* 50%* |
| Benefit Plan Maximums | Calendar year benefit maximum per person(excludes orthodontia): $2,000 Orthodontia lifetime maximum (employees; covered dependents up to age 26): $1,500 | Calendar year benefit maximum per person(excludes orthodontia): $2,000 Orthodontia lifetime maximum (employees; covered dependents up to age 26): $1,500 | Calendar year benefit maximum per person(excludes orthodontia): $2,000 Orthodontia lifetime maximum (employees; covered dependents up to age 26): $1,500 |
Finding a Delta Dental Provider
You have a choice in selecting dentists from the Delta Dental PPO and Delta Premier networks. You will want to receive services from Delta Dental PPO providers to ensure the lowest out-of-pocket costs. The Delta Dental Premier network dentists discount their services, though not to the same extent as Delta Dental PPO. You may also use an out-of-network dentist, but you will be responsible for paying any amounts above Delta Dental’s maximum allowed amount. To find a Delta Dental PPO or Premier network dentist, go to Deltadentalmo.com, point to “Find a Provider” at the top of the page and then click on “Find a Dentist” and enter the requested information to find a provider. You can also find a dentist using the Delta Dental mobile app.
Cost Estimates
Delta Dental offers an optional pre-treatment estimate that allows you to find out whether a proposed dental treatment is covered, the amount the plan may pay, and the difference you may be responsible for paying. Simply ask your dentist to submit a request to Delta Dental in advance of receiving proposed dental care. Delta Dental reviews the request and sends a pre-treatment estimate to your dentist. Pre-treatment estimates may be most beneficial if:
- Your dentist is recommending extensive high-cost treatment.
- You need information on benefit coverage and plan limitations.
- You are discussing different care options available and their costs with your dentist.
- You would like an estimate of how much you have to pay.
To get estimated cost ranges on common dental care needs, you can use Delta Dental’s Dental Care Cost Estimator. To use the estimator, visit deltadentalmo.com/members/costestimator. Sign in to your account, enter your zip code, treatment type, and dentist name, and then click submit to view your cost estimation. You can also use the cost estimator on the Delta Dental mobile app.
2024 Monthly Premiums – Dental Coverage
| Full Time Rates <$50,000 Postdoctoral Appointees* Clinical Fellows* whose appointments began before Jan. 2, 2024, or whose base salary/stipend <$50,0000 | Full Time Rates >$50,000 but <$175,000 Part Time Rates Clinical fellows whose appointments began on or after Jan. 2, 2024, and who base salary/stipend >$50,000 | Full Time Rates >$175,000 | |
|---|---|---|---|
| Individual | $4.00 | $8.25 | $10.00 |
| Individual + Child/ren | $11.00 | $17.50 | $22.00 |
| Individual + Spouse/ Partner | $11.00 | $17.50 | $22.00 |
| Family | $21.00 | $33.00 | $38.00 |
*Stipend-paid Clinical Fellows and Postdoctoral Scholars pay the full monthly premium of the dental plan and receive a stipend health allowance (SHA) which will equate to the above referenced premium.
ID Cards
Delta Dental will mail ID cards to your home address in Workday after you enroll in dental coverage. If you need another card, you can order or print an ID card by logging in to Deltadentalmo.com. You can also view and share your ID card from the Delta Dental mobile app.