MSCI Inc. offers two dental plan options through Delta Dental so you can choose the level of coverage that’s right for you and your family. Both plans cover the same range of dental services and offer access to the same dental networks. The difference is your payroll contribution amount for coverage and your out-of-pocket costs when you need dental care.
2024 dental plans
- Option 1 has lower monthly employee payroll contributions and higher out-of-pocket costs.
- Option 2 has higher monthly employee payroll contributions and lower out-of-pocket costs.
Key features of both plans
Affordable coverage
that helps you manage the cost of dental treatment.
In-network and out-of-network benefits
for maximum flexibility.
Free preventive and diagnostic care,
such as cleanings and X-rays.
Wide network of providers
that have agreed to negotiated rates, which helps you save money.
Save money with a network dentist
Using dentists in the Delta Dental PPO Network or the Delta Dental Premier Network lowers your out-of-pocket costs. Out-of-network, you have more flexibility to choose your dentist, but you will pay more of the cost of care. Delta Dental PPO dentists generally offer the lowest contracted rates and greatest cost savings. Delta Dental Premier dentists are your next best bet, with discounted rates that help you save. Visit the Delta Dental website to find network providers.
| Option 1 In-Network* |
Option 1 Out-of-Network** |
Option 2 In-Network* |
Option 2 Out-of-Network** |
|
|---|---|---|---|---|
| Annual deductible | $75 individual $225 family |
$100 individual $300 family |
$75 individual $225 family |
$100 individual $300 family |
| Preventive services (4 cleanings) | Play pays 100% You pay nothing |
Play pays 100% You pay nothing |
Play pays 100% You pay nothing |
Play pays 100% You pay nothing |
| Basic services (subject to deductible) | Plan pays 70% You pay 30% |
Plan pays 60% You pay 40% |
Plan pays 90% You pay 10% |
Plan pays 80% You pay 20% |
| Major services (subject to deductible) | Plan pays 50% You pay 50% |
Plan pays 50% You pay 50% |
Plan pays 60% You pay 40% |
Plan pays 50% You pay 50% |
| Annual maximum benefit | $1,500 | $1,500 | $3,000 | $3,000 |
| Orthodontia services | Plan pays 50%*** You pay 50% |
Plan pays 50%*** You pay 50% |
Plan pays 50%*** You pay 50% |
Plan pays 50%*** You pay 50% |
| Orthodontia lifetime maximum benefit | $1,500 | $1,500 | $2,500 | $2,500 |
* In-network benefits apply to Delta Dental PPO Network and Delta Dental Premier Network. Delta Dental PPO dentists generally offer the lowest rates.
** Out-of-network benefits are payable up to plan limits.
*** Up to the orthodontia lifetime maximum benefit.
2024 dental plan monthly employee payroll contributions
| Coverage tier | Option 1 | Option 2 |
|---|---|---|
| Employee Only | $12.84 | $24.28 |
| Employee + Spouse/Domestic Partner | $28.30 | $53.42 |
| Employee + Child(ren) | $32.30 | $59.84 |
| Employee + Family | $53.70 | $98.52 |
Use Your Dental Benefits Wisely
Here’s how to make the most of your dental benefits:
Choose a provider.
Using a participating dentist in the Delta Dental network will ensure you receive the highest benefits from your plan. To find a provider, go to the Delta Dental website.
If your service will exceed $300, submit for a pretreatment estimate.
You should always submit a request for a pretreatment estimate for procedures and services your dentist believes will exceed $300 (procedures such as crowns, inlays, bridges, and periodontics). For more information, call 800-932-0783 or visit the Delta Dental website.
Check your claim status and other information on the Delta Dental website.
You can review Explanation of Benefits (EOB) statements, check if claims have been paid, and more.