Innovative Dental Benefit Programs for Better Value
Everyone deserves good oral health – and the access to preventive care that dental benefits provide. That’s why Delta Dental of Illinois offers an extensive array of plan design features.
Delta Dental of Illinois offers dental benefit programs to Illinois-based groups with two or more eligible enrollees. Dental programs are offered on a national basis through the Delta Dental system of member companies. Delta Dental of Illinois offers insured, self-insured and voluntary dental benefit programs to Illinois employers/groups.
Delta Dental of Illinois offers its unique Delta Dental PPO plus Premier, the exclusive combination of Delta Dental PPO and Delta Dental Premier® networks. With nearly 80 percent of dentists in Illinois and the nation participating, Delta Dental Premier works with Delta Dental PPO to increase in-network usage to an average of 84 percent,
compared to an average of 25 to 40 percent with other dental carriers’ PPO-only programs.
DeltaCare is a dental HMO that offers maximum cost savings for employers and enrollees while assuring quality controls. The DeltaCare network has dentists practicing in over 31,000 locations nationwide.
Designed specifically for small businesses with groups of two to 49 benefit eligible employees, Delta Dental of Illinois’ suite of small-group products offers pooled rates to provide the best overall savings. These competitive products are easy to administer and provide wide-ranging coverage for diagnostic and preventive care, minor, major and orthodontic services. Each plan offers tremendous flexibility, including several options for deductibles, annual maximums and orthodontic maximums. All of our small- group plans include our Enhanced Benefits Program that offers evidence-based dentistry solutions for enrollees and coverage for posterior composites and implants. Small group plans have the option of adding DeltaVision® plans and/or any of the ancillary offerings (disability, life) available through TruAssure, Delta Dental of Illinois’ affiliate. Our To Go annual maximum carryover feature can be added to Delta Dental PPO and Delta Dental Premier Platinum, Silver and Gold options.
Delta Dental of Illinois' Product Features Offer More Choices
We offer several product features to complement our dental benefit programs.
Delta Dental of Illinois' Enhanced Benefits Program enhances coverage for individuals who have specific health conditions that can be positively affected by additional oral health care. These enhancements are based on scientific evidence that shows treating and preventing oral disease in these situations can improve overall health.
Those eligible for Delta Dental of Illinois' Enhanced Benefits Program include:
- People with periodontal (gum) disease.
- People with diabetes.
- Pregnant women.
- People with high-risk cardiac conditions.
- People with kidney failure or who are undergoing dialysis.
- People undergoing cancer-related chemotherapy and/or radiation.
- People with suppressed immune systems due to HIV positive status, organ transplant, and/or stem cell (bone marrow) transplant.
Our Enhanced Benefits Program includes additional cleanings and/or applications of topical fluoride. The program addresses the unique health challenges faced by people with conditions that put them at risk for oral health disease, and can also play an important role in the management of an individual's medical condition.
We offer a ToGo feature that gives enrollees the ability to carryover any qualified, unused portion of their annual maximum in a given year and apply it to their ToGo bank, increasing their total dollars for treatment.
We offer a dual choice monthly switch option to Delta Dental PPO and DeltaCare, which allows enrollees to switch between these two plans on a monthly basis - not just at open enrollment.
Through our subsidiary TruAssure, we offer life and disability plans.