Dental Insurance

Insurance Plans

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.

 

For More Information

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

888-214-6230

 

Class I: Diagnostic & Preventative

Services Covered:

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

Yearly Deductible: None
Percentage Covered: 100% of allowable charges
Maximum Benefit: $1,000 per person each benefit year combined for classes I, II & III

Class II: Basic

Services Covered:

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

Yearly Deductible: $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.
Percentage Covered: 80% of allowable charges
Maximum Benefit: $1,000 per person each benefit year combined for classes I, II & III

Class III: Prosthetics

Services Covered:

  • Onlays
  • Crowns
  • Bridges
  • Dentures
  • Repair of prosthetic appliances

Yearly Deductible: $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.
Percentage Covered: 50% of allowable charges
Maximum Benefit: $1,000 per person each benefit year combined for classes I, II & III

Class IV: Orthodontia

Services Covered:

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

Yearly Deductible: None
Percentage Covered: 50% of allowable charges
Maximum Benefit: $1,000 per person each benefit year combined for classes I, II & III

 

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).

Fillings