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To fit your specific needs, your benefit package provides you with three options in medical plans. The plan with the lowest deductible has the highest payroll deduction. The plan with the highest deductible has the lowest payroll deduction. And the other plan falls in between in costs. All plans cover the same services, just with different copayments and deductibles that apply.
It’s up to you to take advantage of everything your health plan offers. To choose the plan that is right for you ask yourself the questions that will help you assess your needs. Think about the ways you use healthcare, the medical needs you can foresee, and how you can balance cost and coverage.
With Delta Dental of Missouri, you can receive care from any dentist. However, Delta Dental has contracts with a large network of dentists who have agreed not to charge more than a specified amount for particular services. If you use one of these network dentists, you won’t have to worry about being charged for additional amounts above the allowable amount covered by the plan.
Your Company offers you vision coverage through Vision Service Plan or VSP. No member cards are needed with the VSP plan. You may receive care from any vision care provider. However, VSP has an extensive nationwide network of doctors who provide eye care and eye wear. When you receive care through these vision care providers, you simply pay the appropriate co-payment. If you visit an out-of-network provider, be aware that your out-of-network benefits do not guarantee full payment.
Premium Assistance Under Medicaid and the Children’s Health Insurance program (CHIP)
Healthcare Reform and You
Annual Legal Notices and Guidelines
HIPAA Notice of Privacy Practices
New Health Insurance Marketplace Coverage Options
Domestic Partner Affidavit Form
Domestic Partner Dissolution Form
BCBST Personal Representative Form
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Every reasonable effort has been made for the information provided to be accurate. It is intended to provide an overview of the coverage’s offered. It is in no way a guarantee or offer of coverage. Each carrier has the ability to underwrite based on its contract. Each carrier’s contract, underwriting,|and policies will supersede the information on this page. Please be aware that each carrier may have exclusions or limitations and you must consult your summary plan description and/or policies for details.
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