Human Resources
Dental Insurance
The dental insurance plan offers comprehensive coverage, including orthodontia, that meets your individual and family needs.
EligibilityEnrollment
Qualified Life Events
Delta Dental Benefit Summary
Monthly Premiums
COBRA
For More Information
Eligibility
You are eligible for dental insurance if you are a permanent or probationary employee and work 20 hours or more a week. You should contact your Personnel Assistant to verify your eligibility.
You may elect to apply for either single or family coverage. Dependents eligible for family coverage are:
- Your spouse
- Your domestic partner
- Your dependents. Dependents are:
- Unmarried children under age 19.
- Unmarried children that are full-time students regardless of their age.
The age restriction is waived if your dependent is totally and permanently disabled prior to age 19 and continuously covered on a Delta Dental contract.
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Enrollment
You may enroll in the dental plan during the first 30 days of your employment. You may only add dependents during your initial enrollment or as a result of a qualifying event.
If you do not elect dental coverage during the first 30 days of your employment, you may not be eligible to join the plan later.
To enroll in the dental plan, please see your Personnel Assistant.
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Qualified Life Event
When you enroll in dental insurance, your election remains in effect to the end of the calendar year. You cannot add eligible family members until the next designated OPEN dental enrollment opportunity unless you experience a qualified life event and the benefit change you request is consistent with the event.
If you experience a qualified life event, you can request changes by notifying your Personnel Assistant within 30 days after the date of the event (60 days for birth and adoption.) If you do not notify your Personnel Assistant within the required timeframe following the event, you will not be able to change your benefits until the next designated OPEN dental enrollment opportunity.
For additional information on qualified life events, review the DAS-HRE Qualified Life Events Web site.
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Dental Benefit Summary
Dental coverage is provided by Delta Dental of Iowa. The plan provides comprehensive coverage for you and your eligible family members.
Delta Premier |
Deductible |
Coinsurance |
Maximum per Calendar Year |
Lifetime Maximum |
| Benefit Categories | None |
-- |
$1,500 |
-- |
| Check Ups and Teeth Cleaning | -- |
0% |
Yes |
-- |
| Cavity Repair and Tooth Extractions | -- |
20% |
Yes |
-- |
| Roots Canals | -- |
50% |
Yes |
-- |
| Gum and Bone Diseases | -- |
50% |
Yes |
-- |
| High Cost Restorations | -- |
50% |
Yes |
-- |
| Bridges and Dentures | -- |
50% |
Yes |
-- |
| Orthodontics * |
-- |
50% |
NA |
$1,500 |
*Orthodontic coverage is only available for unmarried dependents under age 19.
Delta Dental payment is based upon the dentist's usual, customary and reasonable fee.
For detail information about the dental plan, refer to the State of Iowa Delta Dental Benefits Certificate.
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Monthly Premiums
When you and your spouse are both employed by the State of Iowa, you may want to take advantage of the double spouse family credit. The double spouse family credit provides family dental insurance coverage with little or no premium. Contact your Personnel Assistant if you have any questions or need an enrollment form.
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COBRA
COBRA Continuation Coverage Rights
COBRA Rates
2008 Monthly Dental Insurance COBRA Rates
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For More Information:
If you would like more information about Delta Dental please contact:
DELTA DENTAL PLAN OF IOWA
2401 SE Tones Drive, Suite 13
Ankeny, IA 50021
800-544-0718
515-261-5573 FAX
www.deltadentalia.com
For questions regarding your particular plan please contact your Personnel Assistant.
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Updated: 05/14/2008