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Delta Dental Employee Carve-Out Rules

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Delta Dental will allow Employee class carve-outs, effective February 24, 2009, without the requirement of having the remaining employees covered under the DeltaCare USA program.  Employee class carve-outs can comprise of management/non-management, union/non-union and hourly/salaried.  If you encounter combinations other than these, please contact your B&P Sales Representative.

The Delta Dental caveats of carve-outs:

• The carve-out assumes that the remaining employees will have no coverage.  If they do have coverage, then the following approval process applies:

• If coverage is with Delta Dental’s PPO or PPO Plus Premier, then the carve-out is not allowed since a group cannot have multiple fee-for-service plans in place
• If coverage is with DeltaCare USA (Delta Dental’s prepaid program), then the carve-out is allowed. 
• If coverage is with another carrier, then the carve-out is not allowed.

• Level 2 rating still applies for all employee class carve-out groups, regardless of the nature of their industry.
• All other program requirements, i.e. minimum enrollment, contributions, etc., will continue to apply as well. 

 
If you have any questions, please do not hesitate to contact your B&P Sales Representative.