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Comparison of Delta Dental Premier (Basic) and Delta Dental PPO

Coverage under Delta Dental Premier Basic Delta Dental PPO
Employees and Dependents In-Network Delta Dental PPO dentists (1) Out-of-Network (non- Delta Dental PPO dentists)
Who's covered? (primary enrollee, spouse and eligible children) Employees Dependents Employees, Retirees and Dependents Employees, Retirees and Dependents
Deductible (per person annually) $50 $50 $25 $75
Family Deductible (annually) $150 $150 $100 $200
Maximum (per person annually) $2,000 $1,000 $2,000 $1,000
Diagnostic and Preventive (no deductive) 100% of Delta Dental dentist's fees 100% of Delta Dental dentist's fees 100% of Delta Dental dentist's fees 80% of Delta Dental approved fee (2)
Basic Benefits: (extractions, root canals, periodontic treatment, sealants) 90% of Delta Dental dentist's fee 90% of Delta Dental dentist's fee 90% of Delta Dental PPO approved fee 80% of Delta Dental approved fee
Crowns and cast restorations 80% of Delta Dental dentist's fee 50% of Delta Dental dentist's fee 80% of Delta Dental PPO approved fee 50% Delta Dental approved fee
Prosthodontic bridges, dentures 50% of Delta Dental dentist's fee 50% of Delta Dental dentist's fee 60% of Delta Dental PPO approved fee 50% Delta Dental approved fee
Orthodontic 50% of Delta Dental dentist's fee 50% of Delta Dental dentist's fee 50% of Delta Dental PPO approved fee 50% Delta Dental approved fee
Orthodontic Maximum $1,000 lifetime maximum $1,000 lifetime maximum

$1,000 lifetime maximum per adult

$1,500 per child

$1,000 lifetime maximum per adult

$1,500 per child

Implant Benefits Not covered Not covered 50% of Delta Dental PPO approved fee $2,500 lifetime maximum 50% of Delta Dental approved fee $2,500 lifetime maximum
Other Coverage Third cleaning per year for high-risk patients (3) Third cleaning per year for high-risk patients (3)

2005 Monthly Out-of-Pocket Payroll Deductions (4)

Delta Dental Premier (Basic) Delta Dental PPO
EE only $11.36 EE only $9.19
EE and 1 dependent $20.00 EE and 1 dependent $19.54
EE and 2+ dependents $29.00 EE and 2+ dependents $29.49

Notes:

(1)* In California, Delta Dental endodontists, oral surgeons and periodontists are not Delta Dental PPO dentists, but you receive in-network benefits when visiting one of these specialists. You must visit a Delta Dental PPO prosthodontist or Delta Dental PPO orthodontist in order to receive the maximum in-network benefits under the program.

(2) When visiting a non-Delta Dental PPO dentist, you pay the difference between the dentist's fee and the Delta Dental -approved fee plus the copayment.

(3) High-risk patients are defined as patients with compromising systemic diseases or medical conditions such as, but not limited to:

  • Diabetes, AIDS, organ transplant, endocarditis
  • Pregnant women
  • Cancer chemotherapy patients

The need for the third cleaning will depend on the severity of the disease that the patient has. The Delta Dental dentist who is performing the treatment will determine the necessity of the third cleaning and submit proof to Delta Dental.

(4) For employees in Consolidated Benefits (CoBen), the monthly out-of-pocket premium may vary depending on their other CoBen elections.


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