Dental insurance can be provided through employer based group benefits or purchased individually.  The individual plan that we particularly like is through Delta Dental.  However, we are an “independent agent” allowing us to shop for you.

For a FREE CONSULTATION call 515-285-6766 or Debbie.Sears@searsinsurance.info

Is a Delta Dental plan the right fit for you?

If you’re an Iowa resident and can answer “YES” to any of the statements below, we’re confident you’ll find the right protection and assurance you want from our Preferred Choice or Preventive plan options.

• Employed or self-employed without dental coverage
• Unemployed without dental coverage
• College student or recent graduate not eligible under parent’s dental plan
• Retiree seeking transition or supplemental dental coverage

Benefit Summary

Monthly Premium	Preferred Choice	Preventative
Single	$36.00	$18.00
Two-Person	$72.00	$35.00
Family	$100.00	$64.00

Dentist Networks

You have the flexibility to choose any dentist you wish:

• PPO – Lowest out-of-pocket expenses and richer benefits.
• Premier – 90% of the dentists in Iowa and higher out-of-pocket costs than going to a PPO dentist.
• Out-of-Network (OON) – Highest out-of-pocket costs and reduced benefits.

	Preferred Choice PPO/Premier/OON	Preventive PPO/Premier/OON
Deductible The deductible is per person per calendar year and is based on the dentist you see either Delta Dental PPO, Delta Dental Premier or out-of-network. If you see a Premier dentist under the Preferred Choice plan, your deductible will be $150. Your deductible is waived for exams and teeth cleanings under the Preferred Choice plan, but your deductible will apply for all services under the Preventive plan.	$50/$150/$225	$50/$50/$150
Diagnostic and Preventive Services** Exams (2 per calendar year)** Cleanings (2 per calendar year)** Bitewing x-rays (once in 12 months) Other x-rays (full mouth every 5 years) Topical fluoride (once in 12 months through age 19) Space maintainers (through age 15) Sealants (through age 15)	100%/100%/50%	80%/70%/50%
**Deductible waived for exams and cleanings only on Preferred Choice plan.
Routine and Restorative Services* Fillings Tooth extractions Oral Surgery	50%/50%/30%	50%/50%/30% N/A N/A
*Extractions and oral surgery are not covered under the Preventive plan.
Endodontics and Periodontics (6-month waiting period) Root canal therapy Gum and bone disease	50%/50%/30%	N/A
Major Restorative Services (12-month waiting period) Crowns Dentures Bridges	50%/50%/30%	N/A
Annual Maximum Benefit Per Person Per Calendar Year	$1,000	Unlimited
Vision Discount Program
View brochure with details.	Included	Included

There is a 24-month waiting period to re-enroll if coverage is dropped. Subsequent rate changes will be reviewed annually with a January 1 effective date subject to 60-day notification. Applications must be received by the 20th of the month to be effective the 1st of the following month. Applications received after the 20th will be effective the first of the next month.

Important Information About Waiting Periods
There are no waiting periods for diagnostic and preventive services, fillings and extractions, and emergency treatment of dental pain. There is a 6-month waiting period for endodontics and periodontics and a 12-month waiting period for major restorative services. The waiting period is waived if you were covered under a Delta Dental of Iowa employer-sponsored group policy within 60 days of the start of your coverage under this policy. Waiting periods must be satisfied if there has been a lapse in coverage or for new members who are added to this policy.

Vision Plan

Avesis Vision Plan

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