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State Dental Plan
Insurance Education Part #3
Features•Self-insured plan•Free to choose dentist - no network
•No pre-existing condition
BlueCross BlueShield of SC administers claims
State Dental Plan
BlueCross BlueShield of SC administers claims
State Dental Plan
(cont.)
•Enrollment Within 31 days for new hires or Special eligibility situation Otherwise, every two years at open enrollment
•$1,000 annual maximum benefit
BlueCross BlueShield of SC administers claims
State Dental Plan
(cont.)
•State Dental Plan ID cards (not personalized) Benefits administrators order from BCBS
Subscribers request cards from benefits administrator
* $25 deductible for Classes 2 and 3
Class 1• Preventive
services• 100% of fee
schedule
Class 2*
• Basic services
• 80% of fee schedule
Class 4• Orthodontics (only
children under age 19; $1,000 lifetime maximum)
Classes of Coverage
Class 3*
• Prosthedontics• 50% of fee
schedule
State Dental Plan
•Employee only•Employee/spouse•Employee/children•Full family
$ 0.00$ 7.64$13.72$21.34
Monthly Premiums
BlueCross BlueShield of SC administers claims
State Dental Plan
Dental Plu$
Insurance Education Part #3
Features•Must be enrolled in State Dental Plan (SDP)
•Must have same level of coverage as in SDP
•May enroll in or cancel coverage only during the open enrollment period (every two years)
BlueCross BlueShield of SC administers claims
Dental Plus
• No additional deductibles, coinsurance or claims to file
Higher allowance for same services covered under SDP, except orthodontics
Combined annual maximum benefit for SDP and Dental Plus for services in Class 1, 2 and 3 $2,000 per covered person
(cont.)
BlueCross BlueShield of SC administers claims
Dental Plus
•Subscribers/providers file claims to Blue Cross Blue Shield of SC
•BCBS processes claim under SDP first, then under
•Dental Plus•Personalized ID cards for Dental Plus subscribers are in employee’s name
(cont.)
BlueCross BlueShield of SC administers claims
Dental Plus
• Order Dental Plus ID cards by visiting: www.southcarolinablues.com Go to “My Insurance Manager” Register to place order
(cont.)
BlueCross BlueShield of SC administers claims
Dental Plus
Employees pay entire premium Pay premiums with pretax money under MoneyPlu$
Participating dentists list on BCBS Web site:
www.southcarolinablues.com
(cont.)
BlueCross BlueShield of SC administers claims
Dental Plus
Pay Dental Plus premiums in addition to State Dental Plan premiums
• Employee only $20.60• Employee/spouse $39.00• Employee/children $42.56• Full family $60.96
Monthly Premiums
Insurance Education Part #3
Dental Plus
