Dental II Plan

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.

Dental II is a 3 tier provider network within Delta Dental.

Tier 1: PPO network
Tier 2: Regular Delta Dental network
Tier 3: Dentists who do not participate with Delta Dental

Participating providers will accept payment arrangements and file claims for you with Delta Dental of Iowa. Payment is made directly to these providers. A person using a PPO Delta Dental provider will see a reduced cost for care. Check the Delta Dental of Iowa website for a list of providers in the PPO and Regular network.

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.

The benefit period is the same as the calendar year.

How Much an Individual Pays for Dental Care Services

Diagnostic and Preventive Maintenance Care

Benefit Period Calendar Year
Annual Deductible (per member) None
Co-insurance: Plan/Member 100% / 0%
Maximum Annual Benefit (per member) Two per year (effective 01/01/2017)

Diagnostic and Preventive Maintenance Care Benefits include:

  • Routine examination
  • Teeth cleaning
  • Diagnostic services
  • Special preventive care for children
  • X-rays

Routine and Restorative Care

Provider Tier PPO Premier Non-participating
Annual Deductible (Per Member) None None None
Co-insurance: Plan/Member 100%/0% 80%/20% 80% / 20%
Maximum Annual Benefit (Per Member)* $2000, up to $4000 with annual carryover $2000, up to $4000 with annual carryover $2000, up to $4000 with annual carryover

Routine and Restorative Care includes:

  • Regular cavity fillings
  • Emergency treatment for relief of pain
  • Routine oral surgery
  • Anesthesia
  • Extractions

Dental Prosthetics, Endodontic Services, Periodontal Services, and High Cost Restorations

Provider Tier PPO Premier Non-participating
Annual Deductible (Per Member) None None None
Co-insurance: Plan/Member 90%/10% 80%/20% 80% / 20%
Maximum Annual Benefit (Per Member)* $2000, up to $4000 with annual carryover $2000, up to $4000 with annual carryover $2000, up to $4000 with annual carryover

Dental Prosthetics, Endodontic Services, Periodontal Services and High Cost Restorations include:

  • Bridges, partial and complete dentures
  • Crowns
  • Root Canals
  • Implants

Straighter Teeth (Orthodontic Care)

Benefit Period Calendar Year
Annual Deductible (per Member) $50
Coinsurance: Plan/Member 50% / 50%
Maximum Annual Benefit (per Member)* $2000, up to $4000 with annual carryover

Straighter Teeth Care Include:

  • Treatment necessary for the proper alignment of teeth
  • Orthodontic benefits are paid quarterly

*$2000 includes all covered services per member. Effective January 1, 2016, the annual benefit maximum for Dental II includes a carryover feature from one calendar year to the next.  If you do not use all of your $2000 maximum, have been covered the full year, and submitted at least one claim, what remains will carryover and be added to your annual maximum in the following year up to $4000.

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

Retirees only: If you leave coverage under the University health and/or dental insurance plans, you cannot return to purchasing the coverage at a later time.  If you drop coverage at the time of retirement, or if you maintain coverage for a period of time in retirement and then drop it, you cannot return to the university coverage.

Would you like more detailed information? 

PDF icon2015 Dental II booklet (pdf)