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Dental Insurance Program 

Dental I and II Plans
Faculty and Professional & Scientific Employees
(Effective January 1, 2011)

You have two plans from which to choose: Dental Plans I and II.

Dental plans I and II both cover the same dental services such as routine exams, orthodontic care, and restorative care (such as crowns, fillings and root canals). They differ in the coinsurance amounts you pay, and in the way the maximum coverage is calculated.

How an Individual Uses Dental Services

Dental care is provided through Delta Dental of Iowa. Dental care may be obtained from almost any provider you wish. However, there are advantages to using participating providers who have contracts with Delta Dental of Iowa. A list of plan providers may be accessed via the web at: http://www.deltadentalia.com

Participating providers will accept payment arrangements and file claims for you with Delta Dental of Iowa. Payment is made directly to these providers.

Non-participating providers do not have contracts with Delta Dental of Iowa. They do not agree to accept payment arrangements and are not responsible for filing claims for you. Non-participating providers may charge more for dental care than participating providers. Payment is made to you and you are responsible for paying the provider.

How Much an Individual Pays for Dental Care Services

Although the two dental plans cover the same dental procedures, they differ in the coinsurance amounts you pay and in the way the maximum coverage is calculated.

Plan Benefit Period Cost
Dental I

No maximum annual benefit for Part A
$750, per person, benefit period maximum for Part B
$500, per person, benefit period maximum for part C

Dental II No maximum annual benefit for Part A
$1500, per person, combined benefit period maximum for parts B and C

 

The benefit period is the same as a calendar year.  It begins the day your coverage goes into effect and starts over each January 1. This is true for as long as you have coverage.

PART A Dental Benefits
(Preventive Maintenance Care)
Plan
Annual Deductible
(per Member)
Coinsurance:
Plan/Member
Maximum Annual Benefit
(per Member)
Dental I
None
100% / 0%
None
Dental II
None
100% / 0%
None

Part A Dental Benefits Include:

PART B Dental Benefits
(Restorative Care, Dental Prosthesis, and Surgical Care)
Plan Annual Deductible
(per Member)		 Coinsurance:
Plan/Member 		Maximum Annual Benefit
(per Member)
Dental I
None
50% /  50%
$750.00
Dental II
None
80% / 20%
$1500, per person,
combined benefit period maximum
for parts B and C

 

Part B Dental Benefits Include:

PART C Dental Benefits
(Orthodontic Care)
Plan Annual Deductible
(per Member)		 Coinsurance:
Plan/Member 		Maximum Annual Benefit
(per Member)
Dental I
$50.00
20% / 80%
$500.00
Dental II
$50.00
30% / 70%
$1500, per person,
combined benefit period maximum
for parts B and C

Part C Dental Benefits Include:

Who Can Be Covered for Dental Insurance

Coverage is available as:

  1. Employee only;
  2. Employee and Spouse or Domestic Partner;
  3. Employee and Children; or
  4. Employee and Family


    Dual University of Iowa employed spouses/partners and any children may not double insure each other or dependents under the plans where the University contributes towards the cost of the plans. This includes the health, dental, and AD&D insurance policies - an individual may only be included once under these policies.

Would you like more detailed information? 

You may download the full dental insurance booklet (pdf) from our web site.