A strong dental benefit plan is designed to encourage preventive care, help maintain your oral health and give you peace of mind that your basic dental needs are covered. Routine dental care can help reduce the risk of more complex oral health issues and decrease your long-term costs. According to the American Hygienists Association, every $1 spent on preventive care can save you almost $8 in long-term costs.

The Minnesota State Bar Association recognizes the importance of dental care, and that is why they are now offering dental coverage to members. Marsh U.S. Consumer and Delta Dental of Minnesota have come together to help offer an affordable dental plan to members and their families. It's also available as a high-value, low-cost fringe benefit to employees (and their families) of MSBA member firms where the firm is four or fewer employees.

Features of the plans include:

• A choice of two plan options
  • Both provide 100% * coverage for preventive care with no waiting periods (exams, cleanings and fluoride treatments)
• Solid coverage for basic and major services such as fillings, sealants, crowns, extractions, dentures, etc.
• Freedom to see any dentist, with the greatest savings from network dentists
• An orthodontics program available as an option for covered dependent children (age 8-18)
• International emergency treatment automatically included

*Coverage at non-network dentists is subject our Maximum Amount Payable (MAP), which is the maximum amount Delta Dental will pay for a given procedure. The following example illustrates how this works

Network vs. non-network coverage on Plan B

In-network filling and sealant -- We pay 80%. You pay 20% of the MAP. Any covered charge over our MAP is waived by the dentist for the Delta Dental member.
Out-of-network filling and sealant -- We pay 80% of our MAP. You pay 20% of our MAP, plus any amount the dentist charges in excess of our MAP.

Employee Coverage
The plan is available to MSBA members (and their families) and to employees/families of MSBA member firms where the firm is four or fewer employees including the MSBA member. Firms with five or more members are eligible to purchase Delta Dental's group products.

Advantages of seeing a network dentist include no paperwork and lower out-of-pocket costs.
That's because our network dentists agree to accept our Maximum Amount Payable (MAP) as payment in full.

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