Dental Plan
Absolute Group offers dental insurance through Delta Dental. Delta Dental’s unique dual network gives you more choice from a broader selection of dentists by utilizing two networks – Delta Dental PPO and Delta Dental Premier®.
Included with the Dental plan at no cost is a Vision Discount program. See below.
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Delta Dental PPO provides you with the lowest out-of-pocket costs. That’s because dentists who participate in the PPO network have agreed to accept lower reimbursements for services. More than 40 percent of all dentists in Iowa and 45 percent of dentists nationally participate in the Delta Dental PPO network.
Delta Dental Premier is the largest dental network in the nation, with more than 90 percent of all dentists in Iowa1 and more than 80 percent of dentists nationally participating. Delta Dental Premier gives you a wider selection of dentists while keeping out-of-pocket costs economical.
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You are free to go to any dentist, but may save more money by going to a PPO or Premier network dentist. Plus, network dentists have agreed not to charge more than Delta Dental’s maximum allowed fees – and they won’t balance bill you the difference between the maximum allowed fees and their regular fees.
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To see if your dentist participates in the Delta Dental PPO or Premier network, visit their website at deltadentalia.com and select “Provider Search” or call customer service at 800-544-0718.
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| Delta Dental PPO | Delta Dental Premier/Non Par | |
|---|---|---|
| Individual Deductible | $25 | $50 |
| Family Deductible | $75 | $150 |
| Deductible applies to Check-ups and Teeth Cleaning? | No | No |
| Benefit Period Maximum | $750 | $750 |
| Eligible children to age | 26 | 26 |
| Full-time (unmarried) students eligible to age | 99 | 99 |
| Dental Cleaning | 0% | 0% |
| Oral Evaluations | 0% | 0% |
| Flouride Applications | 0% | 0% |
| X-Rays | 0% | 0% |
| Sealant Applications | 0% | 0% |
| Space Maintainers | 0% | 0% |
| Emergency Treatment | 10% | 20% |
| General Anesthesia/Sedation | 10% | 20% |
| Restoration of Decayed or Fractured Teeth | 10% | 20% |
| Limited Occlusal Adjustments | 10% | 20% |
| Routine Oral Surgery | 10% | 20% |
| Posterior Composites w/ Alternate Processing | 10% | 20% |
| Apicoectomy | 50% | 50% |
| Direct Pulp Cap | 50% | 50% |
| Pulpotomy | 50% | 50% |
| Retrograde Fillings | 50% | 50% |
| Root Canal Therapy | 50% | 50% |
| Conservative Gum/Bone Procedures (Non-surgical) | 50% | 50% |
| Complex Gum/Bone Procedures (Surgical | 50% | 50% |
| Peridontal Maintenance Therapy | 50% | 50% |
| Crowns | 50% | 50% |
| Inlays | 50% | 50% |
| Onlays | 50% | 50% |
| Post and Cores | 50% | 50% |
| Recementing Crowns/Inlays/Onlays | 50% | 50% |
| Orthodontics | Not Covered | Not Covered |
| CheckUps PlusTM | Included | Included |
| *** This dental plan includes CheckUps PlusTM which means Diagnostic and Preventive covered dental service costs do not apply towards the Covered Person’s deductible or benefit period maximum. Please refer to your dental benefits document for details. The percentage shown is the coinsurance amount that is the responsibility of the Covered Person. This is a general description of coverage. It is not a statement of your contract. Actual coverage is subject to terms and conditions specified in the benefits document itself and enrollment regulations in force when the benefits become effective. Certain exclusions and limitations apply. Please refer to your dental benefits document for details. | ||
| Vision Care Services | Member Cost |
|---|---|
| Exam and dilation as necessary | $5 off routine exam $5 off contact lens exam |
| Complete pair of glasses purchase: Frame, lenses and lens options must be purchased in the same transaction to receive full discount. Standard plastic lenses: Single Vision Bifocal Trifocal | - - - - $50 $70 $105 |
| Frames | 35% off retail price |
| Lens options: UV treatment Tint (solid and gradient) Standard plastic scratch coating Standard polycarbonate Standard progressive lens (Add-on to bifocal) Standard anti-reflective coating Other add-ons and services | - $15 $15 $15 $40 $65 $45 20% off retail price |
| Contact lens materials: (Discounted materials only) Disposable Conventional | - 0% off retail price 15% off retail price |
| Laser vision correction: Lasik or PRK | 15% off retail price or 5% off promotional price |
| Frequency: Examination Frame Lenses Contact lenses | - Unlimited Unlimited Unlimited Unlimited |
Vision Discounts
Absolute Group offers a vision discount plan through Delta. You can use your DeltaVision discount as often as you like all year long on nearly all your vision care purchases at participating providers. Click here for more details and information.