How to use the student dental insurance plan
Dental care under this plan can be obtained from any provider; however, there are advantages to using participating providers with contracts with Delta Dental of Iowa, the dental insurance plan administrator. A list of plan providers can be found on the Delta Dental of Iowa website.
3-tier Provider Network within Delta Dental
- Tier 1: Preferred Provider Organization (PPO) network
- Tier 2: Premier Delta Dental network
- Tier 3: Dentists who do not participate with Delta Dental
Participating providers will accept payment arrangements and file claims for you. Payment is made directly to these providers.
Nonparticipating providers have not agreed to accept Delta Dental’s payment arrangements. You are responsible for any difference between your dentist’s covered charges and the Delta allowance. These dentists are not responsible for filing your claims. Claims are settled directly with you, and you are responsible for paying your provider.
Covering Dependents
Students may also purchase coverage for their spouse, domestic partner, and dependent child(ren). Dependents are advised to use Delta Dental of Iowa participating providers to receive the greatest benefits from the Student Dental plan.
If a student acquires eligible dependents while insured by this plan, they may only be added within 30 days (60 days for birth or adoption) after becoming eligible.
Eligible dependents are:
- Spouse or Domestic Partner
- Students wishing to insure a domestic partner must complete the Student Domestic Partner Affidavit and submit it to the University Benefits Office for processing.
- Dependent children up to the end of the calendar year after turning 26. Also including;
- adopted children
- stepchildren
- foster children
Children over 26 may continue to be covered if they are full-time students or disabled.