| Dental coverage helps you and your family with the costs of
maintaining good dental health and treating dental disease or
injury.
You have a choice of two plans.
• St. Louis Dental/Dental Source, a Dental Maintenance
Organization (DMO) Plan
This plan works like a dental HMO. When you enroll with St.
Louis Dental you must choose a Primary Care Dentist (PCD) for
you and your family. If you do not submit a valid PCD when
you enroll, St. Louis Dental will send a new member notification
package and request that you select a PCD. You must use a network
provider to receive benefits. There are no out-of-network benefits.
For a list of St. Louis Dental Services providers visit St.
Louis Dental Services Provider Search.
• Guardian Dental, a Preferred Provider Organization (PPO)
Plan. This plan is funded by the district and administered
by Guardian Insurance Company.
Guardian Dental Insurance offers you the option to visit any
dentist or specialist you choose or a DentalGuard Preferred
network dentist, any time you need care. If you do visit a
network provider, you'll receive the highest level of benefits
and save on out-of-pocket costs. After you pay the applicable
annual deductible, the indemnity plan pays a percentage of
dental expenses up to an annual maximum. You can search for
Guardian Dental Insurance providers at Guardian
Dental Provider Search. When prompted, select the correct
coverage option under PPO Networks -- the DentalGuard Preferred.
Your personal enrollment worksheet lists the options available
to you, along with each option's cost
per pay period. For more information on these two plans,
see the dental
plan comparison chart. You do not need an ID card to access
benefits in either plan. Simply confirm that your provider
is part of the appropriate network when scheduling your appointment. |
