Dental Insurance
IncredibleBank offers employees access to affordable dental care through Delta Dental. Under the Delta Dental plan, you may go to any licensed provider for your dental needs. Out of network charges will be paid according to the maximum in-network allowance.
- Eligibility: 1st of the month following 30 days of employment, must be a Full-Time employee with an FTE of .75/30 hours per week or more.
Dental Bi-Weekly Contributions
| Level of Coverage | Employee | Employee + Family |
|---|---|---|
| No Coverage | $0.00 | N/A |
| Delta Dental | $3.46 | $10.23 |
Dental Plan Summary
The chart below lists the coverage amounts and limits for the Delta Dental Premier plan offered.
| Summary | Benefit |
|---|---|
| Annual Deductible (Type I, II and III expenses) (Individual/Family) | $25/$75 ($0 deductible when using a PPO provider) |
| Annual Benefit Maximum | $2,000 (excludes preventive and orthodontic services) |
| Type I - Preventive Oral Evaluations and Cleanings (Twice Per Calendar Year) Fluoride Sealants (up to age 18) Evidence Based Integrated Care (more frequent cleanings for certain medical conditions) X-Rays | 100% covered |
| Type II - Basic Services Fillings Simple Extractions Endodontics (Root Canal) Surgical Extractions Periodontics | 80% covered, following deductible |
| Type III - Major Services Including Tooth-Colored Porcelain Crowns Bridgework Dentures Implants | 50% covered, following deductible |
| Orthodontic Lifetime Maximum (per dependent child to age 19) | 50% covered, after deductible ($2,000 max.) |
Deductible: The deductible applies when basic or major services are performed, and you don’t use a PPO provider. Preventative services are covered in full and are not subject to your deductible or annual maximum.
Dependents: Dependents are covered to age 26, regardless of student, marital, or job status.
Preventive: Cleanings and exams are covered twice per year vs. once every 6 months from your last date of service.
Evidence Based Integrated Care Plan: expanded benefits for persons with diseases/medical conditions with oral health implications. Includes increased frequency of cleanings and/or applications of topical fluoride. Some conditions that fall under this care are:
- High Risk Cardiac Conditions
- Periodontal Disease
- Suppressed Immune System
- Diabetes
- Pregnancy
- Cancer Therapy
- Kidney Failure or Dialysis
See SPD (Summary Plan Description) for full benefit details and limitations.
Click here for a Quick Dental Summary Guide.
Additional Information
To find a dentist provider: www.deltadentalwi.com
To check the status of a claim: www.deltadentalwi.com
To contact by phone: +1 (800) 236-3712
To submit claims by mail:
Delta Dental of WI
P.O. Box 828
Stevens Point, WI 54481-0828
Please contact the People Operations Department for assistance with this program.