Human Resources
Dental Insurance
The dental insurance plan offers comprehensive coverage, including orthodontia, that meets your individual and family needs.
Eligibility
You are eligible for dental insurance if you are a permanent or probationary employee and work 20 hours or more a week. You should contact your personnel assistant to verify your eligibility for coverage.
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Coverage
Dental insurance offers two levels of coverage:
- Single
- Family
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Eligible Dependents
Dependents eligible for dental insurance coverage are:
- Your spouse (A husband or wife as the result of a marriage that is legally recognized in Iowa. This does not include a spouse from whom you are legally separated or divorced.)
- Your domestic partner (same sex or opposite sex)
- Your dependent children
- Your natural child
- A child placed with you for adoption or a legally adopted child
- A child for whom you have legal guardianship
- A stepchild
- A foster child
You may be required to provide documentation that a dependent is eligible as defined above.
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Dependent Child Coverage
- Your dependent child may be covered for health insurance through the end of the year in which they turn age 26.
The dependent child under age 27 can be:
- A student or non-student
- Live in Iowa or outside Iowa
- Be unmarried or married (a dependent's spouse is not eligible for coverage)
- Your dependent child who is an unmarried, full-time student in an accredited institution of postsecondary education may be covered regardless of age.
- Your unmarried dependent child who is totally and permanently disabled, physically or mentally, may be covered regardless of age. (The disability must have existed before the dependent child turned age 27 or while a full-time student.)
Over Age 26 Full-Time Student Verification
You must provide documentation that your unmarried full-time student over the age of 26 is a full-time student.
Your personnel assistant will give you a Certification of Full-Time Student Status form. In addition to verifying that your dependent adult child is unmarried, you must provide a copy of your dependent’s most current semester/quarter transcript or class schedule to confirm their full-time student status.
Failure to return the verification form will mean that your dependent child will not be covered under the state’s dental insurance plan.
Potential Tax Consequences of Covering Your Unmarried Full-Time Student Over Age 26
Domestic partner or same-sex spouse enrolled in your dental coverage may qualify as Internal Revenue Code dependent provided certain qualifying conditions are met. There are no tax consequences for enrolling your dependent child up to the age 26 in dental coverage. However, for your unmarried full-time student over the age of 26, there may be tax consequences.
More information about potential tax consequences in enrolling your unmarried full-time student over the age of 26, domestic partner or same-sex spouse can be found at the Tax Treatment of Non-Qualified Dependents website.
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Enrollment
You may enroll in a dental care plan during the first 30 days of your employment. You may add dependents during your initial enrollment or as a result of a qualifying event.
If you do not elect dental coverage during the first 30 days of your employment, you may not be eligible to join the plan later.
When spouses are both employed by the state, they must enroll under the same family coverage. Employees cannot be covered as both an employee and a dependent under the State’s dental and welfare benefit plans. For additional information, review the DAS Duplicate Coverage website.
To enroll in the dental plan, please see your personnel assistant.
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Qualified Life Event
When you enroll in dental insurance, your elections remain in effect to the end of the calendar year.You cannot add eligible family members until the next designated open dental enrollment opportunity unless you experience a qualified life event and the benefit change you request is consistent with the event.
If your spouse's termination of employment was due to plant closing, layoff or discharge, you can change from single to family coverage and add your eligible family member(s) that lost coverage as a result of the involuntary loss of coverage. You must complete an Involuntary Loss of Coverage form which has been signed and dated by the previous employer. A voluntarily resignation or retirement is not considered an involuntary loss of coverage for dental care coverage purposes.
For additional information on qualified life events, review the DAS Qualified Life Events website.
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Dental Benefit Summary
Dental coverage is provided by Delta Dental of Iowa. The plan provides comprehensive coverage for you and your eligible family members.
Summary of the Dental Insurance Plan
Delta Dental payment is based upon the dentist's usual, customary and reasonable fee.
For detail information about the dental plan, refer to the Delta Dental Benefits Certificate.
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Monthly Premiums
When you and your spouse are both employed by the State of Iowa, you may want to take advantage of the double spouse family credit. The double spouse family credit provides family dental insurance coverage with no employee share towards the monthly premium for a full-time employee. Contact your personnel assistant if you have any questions or need an enrollment form.
Medicaid and Children's Health Insurance Program (CHIP) Notice
If you are eligible for health coverage but are unable to afford the premiums, you may be eligible for assistance paying your health insurance premiums. More information is available from this notice by the U.S. Departments of Labor and Health and Human Services.
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COBRA
COBRA Continuation Coverage Rights
The federal Consolidated Omnibus Budget Reconciliation Act (COBRA) provides for continuation of dental benefits coverage after your coverage with the state ends. More information about COBRA is available at the DAS COBRA website.
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Vision Care Discount Program
Delta Dental subscribers have access to a vision care discount program at no additional cost to them through an association with EyeMed Vision Care. For more information on the EyeMed Discount Program through Delta Dental of Iowa, go to http://www.deltadentalia.com/provider-search/vision/ or call 1-866-246-9041.
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For More Information
If you would like more information about Delta Dental please contact:
Delta Dental of IowaP.O. Box 9000
Johnston, IA 50131-9000
800-544-0718
www.deltadentalia.com
Delta Dental makes every effort to ensure that subscribers receive the best possible dental care and superior customer service. To accomplish these goals, Delta Dental would like you to take a few minutes to complete an online survey and share your opinions.
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Site updated 12/05/2012