Overview

You have a choice between two dental plans. Both are designed to help you maintain healthy teeth and gums, which are important to your overall health.

Learn about the dental plans available to you through Delta Dental of Iowa. For complete cost and coverage details and to enroll, visit the Mercer Marketplace 365+ website. Learn how to access the site.

2020 dental plans

  • Basic Plus Plan
  • Enhanced Plan

Key features

  • Free in-network preventive and diagnostic care
  • Affordable coverage that helps you manage the cost of dental treatment
  • Extensive network of providers that have agreed to negotiated rates, which helps you save money
Find a network dentist

All Delta Dental PPO and Premier network providers are considered to be in-network (the PPO network is a subset of the broader Premier network). Although your plan pays the same benefits for either network of providers, if you use a PPO provider, the discounts for services will be greater. You can search for PPO and Premier providers by visiting the Delta Dental of Iowa website.

If you enroll in dental coverage, Delta Dental will mail you an ID card. You can also print your ID card on the Delta Dental of Iowa website at deltadentalia.com after you register.

Coverage details

Below is an overview of the coverage provided by the 2020 dental plans available to you. Please refer to the plan summaries on the Mercer Marketplace 365+ website for more information, including out-of-network coverage details.

New for 2020! If you are pregnant, have a high risk of a cardiac event, or have a medical condition, such as diabetes, cancer, gum disease or kidney failure, the Enhanced Dental Plan will provide access to additional dental cleanings. Click here for more information.

  Basic Plus Plan Enhanced Plan
In-network coverage
Individual/family deductible $50/$150 $50/$150
Individual annual maximum benefit* $1,000 $2,000
Services
  • Preventive – includes services such as oral evaluations, routine cleanings, X-rays, fluoride treatments and sealants
  • You pay $0; deductible does not apply
  • You pay $0; deductible does not apply
  • New! Enhanced preventive services – includes additional cleanings if you have gum disease or kidney failure or if you are pregnant, have a high risk of a cardiac event, or have a medical condition, such as diabetes or cancer.
  • Not covered
  • You pay $0; deductible does not apply
  • Basic – includes services such as basic restorations, some oral surgery, endodontics and periodontics
  • After meeting the deductible, you pay 30%, plan pays 70%
  • After meeting the deductible, you pay 20%, plan pays 80%
  • Major – includes services such as crowns, dentures, implants, general anesthesia/intravenous sedation and some oral surgery
  • After meeting the deductible, you pay 50%, plan pays 50%
  • After meeting the deductible, you pay 50%, plan pays 50%
  • Orthodontia coinsurance/lifetime maximum (only children up to age 26 are eligible for orthodontia benefits) – includes services such as straightening misaligned teeth and/or jaws with braces and/or surgery
  • Not covered
  • You pay 50%, plan pays 50%
    $1,500 lifetime maximum (for children up to age 26)
Out-of-network coverage: Visit the Mercer Marketplace 365+ website for coverage details. Learn how to access the site.

*Preventive and diagnostic services apply to the annual maximum benefit.

Use your dental benefits wisely

Here’s how to make the most of your dental benefits:

  • Choose a provider – Each time you need dental care, you have a choice of providers. Selecting a participating dentist in the Delta Dental of Iowa network will ensure you receive the highest benefits from your plan. To find a provider, go to Delta Dental of Iowa.
  • If your service will exceed $300, submit a request for a pretreatment estimate. You should always submit a request for a pretreatment estimate for procedures and services your dentist believes will exceed $300 (procedures such as crowns, inlays, bridges and periodontics). For more information about pretreatment estimates, call Delta Dental at 800-544-0718 or visit the Delta Dental of Iowa website at deltadentalia.com.
  • Check your claim status and other information at Delta Dental of Iowa. You can review Explanation of Benefits (EOB) statements, check if claims have been paid and more.