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Dental Insurance

The Medial Center offers two Dental Plans:

State Dental Plan

The State Dental Plan, administered by BlueCross BlueShield of SC, is available to all benefits eligible-employees at no cost. Coverage may be purchased for employees' spouses and/or child(ren). Dental services are divided into four classes as defined below.  Different deductibles and coverages apply to the services grouped within each class, as is shown in the chart below.

smileFor More Information

State Dental Plan Guide
Blue Cross Blue Shield
Dental Claim Form (PDF)

888-214-6230

 

Class

Services Covered

Yearly Deductible

% Covered

Maximum Benefit

I
Diagnostic &
Preventative

 Diagnostic & preventative procedures
 Cleaning & scaling of teeth
 Fluoride treatment
 Space maintainers (child)
 Emergency pain relief
 X-rays

None

100%
of allowable charges

$1000 per person each benefit year combined for classes I, II & III

II Basic

 Fillings
 Simple Extractions
 Oral surgery
 Surgical extractions
 Preparation of mouth for dentures

$25 per person
If you have services in Classes II and III, you still pay only one deductible.
Limited to three per family per year

80%
of allowable charges

$1000 per person each benefit year combined for Classes I, II & III

III Prosthetics

 Onlays
 Crowns
 Bridges
 Dentures
 Repair of prosthetic appliances

$25 per person
If you have services in Classes II and III, you still pay only one deductible.
Limited to three per family per year

50%
of allowable charges

$1000 per person each benefit year combined for Classes I, II & III

IV Orthodontia

Limited to covered children under age 19:
 Correction of malocclusion
 Consisting of:diagnosis (including models and radiographs)
 Active treatment (including necessary appliances)

None

50%
of allowable charges

$1000 per lifetime for each covered child
 

Dental Plus

Dental Plus is a supplemental plan to provide a higher level of dental coverage for dental services not covered under the State Dental Plan described above. Employees are responsible for the entire premium for this coverage, with no contribution from the state.  However, premiums are pre-tax deductions.

Dental Plus is not an offset program that pays what the State Dental Plan does not. Instead, it covers the same procedures and services (except orthodontia) at the same percentage rate of coverage as the State Dental Plan. The difference is a higher dollar amount allowance for charges (at the 90th percentile for SC). 

 

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View Your Benefit Choices Online

Go to  MyRecords to see an overview of your selected benefit plans. The MyRecords site is available to both Medical Center and University employees.