Fully Insured
A fully insured financial arrangement may be preferable if the group is risk averse or if budgeting or cash flow is an issue. In this funding arrangement Delta Dental of Iowa assumes the risk and holds the claims reserve. The group has no liability upon termination of the contract. Additionally, the monthly cost is predictable based on the enrollment, therefore it is easy to budget for the dental expense.

Employers can choose plans based on the Delta Dental Premier (managed fee-for-service) or Delta Dental PPO (preferred provider option) networks. For information on employer contribution, employee participation and enrollment requirements, go to the Delta Dental of Iowa Group Administration Handbook. 

For a rate quote please contact your local agent or Delta Dental at 877-423-3582 ext. 15567 or you can email Delta Dental at marketing@deltadentalia.com.  

Delta Dental Premier
This plan provides traditional fee-for-service benefits. Delta Dental Premier offers the flexibility to include custom-designed benefits which allow each group to tailor its dental coverage to its own needs and budget. Employees may see any dentist they wish, although they enjoy the best possible benefits of their plan when they see a Delta Dental Premier dentist. About 90% of Iowa dentists are Delta Dental Premier dentists.

Delta Dental PPO
This is Delta Dental's preferred provider option. In most cases, the enrollee will receive a richer benefit and have lower out-of-pocket expenses when going to a Delta Dental PPO dentist.  The enrollee has the flexibility to choose a larger network of dentists by going to a Delta Dental Premier or a non-participating dentist. More than 30% of the dentists in Iowa participate in the Delta Dental PPO network. 

For a complete list of participating Delta Dental Premier and PPO dentists, click here. 

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