Our Prevention Pays feature is now included in our fully insured dental plans with no additional premium cost. On average, the feature extends an additional $500 in coverage every year!
98% of dentists in South Dakota participate in our network, giving covered members nearly unlimited choice of providers.
No group's rates will increase more than 10% at any renewal, and our rate stability program lowers that increase cap every 5 continuous years they're with us.
Compared to other carriers, we have fewer exclusions and limitations, and we cover pre-existing dental conditions, orthodontic cases in progress, and tooth colored filings on more teeth.
Providers in our networks cannot bill patients for any charges that exceed our approved amount.
Claims are handled directly with dentists' offices, saving employers and covered members time and hassle.
Becoming an appointed agent for Delta Dental of South Dakota is easy. Contact our sales team today to get started!
No. However, in some plans there may be a waiting period before coverage begins for certain services.
No. Dentists in our networks have agreed to accept our payment (and any patient co-insurance or deductible if applicable) as full payment. If the employee visits a non-participating dentist, the difference may be billed to the member.
Members are free to go to any dentist. However, they may have higher out-of-pocket costs and would be subject to balance billing if they go to a non-participating dentist. Be comfortable knowing 98% of South Dakota dentists are members of our networks.
Our plans for members of the SD Retailers Association require as few as two employees for orthodontic coverage. Other plans generally require 10 or more employees for orthodontic coverage.
As part of the nation’s leading benefits provider, we cover employees located outside of South Dakota in the same way they’re covered within South Dakota. Payment is based upon the lesser of:
Delta Dental of South Dakota also offers national coverage designed specifically for multi-state employer groups. With national coverage, employers have the advantage of centralized, single-site administration and have access to the largest network of dentists nationwide.
We can do that! We’re happy to help you respond to your client's needs. Our wide selection of plans with flexible options allows us to meet the needs of employers that are large, or not so large; new or established; local or national. And we can design a custom plan that fits their budget and benefit needs.
No, but we appreciate your enthusiasm. We prefer to invoice the group for the first month's premium once all of the eligibility data has been received.
For groups over 50 employees, enrollment information may be submitted by electronic file. Otherwise, Delta Dental forms must be used unless other arrangements have been made in advance.
Commissions are paid quarterly.