SD Retailers Association plans
Plans exclusively for members of the South Dakota Retailers Association offer a variety of rate structures for as few as two enrolled employees.
SDRA Standard plan
54
.30 per month/single
per month/single
Preventive care:
100%
Other services:
50%
One-time deductible:
$50
Annual maximum benefit:
$1,200
Maximum Bonus Account
No
Lifetime orthodontic benefit:
$1,200
Employer contribution:
25% of single
Mimimum employees enrolled:
2
Some benefits require 1 year wait
SDRA Enhanced plan
59
.20 per month/single
per month/single
Preventive care:
100%
Other services:
50%
One-time deductible:
None
Annual maximum benefit:
$1,500
Maximum Bonus Account
Yes
Lifetime orthodontic benefit:
$1,500
Employer contribution:
50% of single
Minimum employees enrolled:
2
Some benefits require 1 year wait
SDRA Standard plans (2025)
Standard 2-rate [8010]
Standard 4-rate [8013]
Monthly Rate: Employee
$54.30
$54.30
Monthly rate: Employee + spouse
N/A
$108.30
Monthly rate: Employee + children
N/A
$111.00
Monthly Rate: Family
$135.90
$149.50
Preventive Care
Routine exams, cleanings, x-rays, and more!
100%
100%
Fillings & extractions
Cavity repair, temporary stainless steel crowns, extractions, oral surgery
50%
50%
Root canals & gum disease
Root canals, gum disease treatment, periodontal maintenance cleanings (one year wait for coverage)
50%
50%
Crowns & prosthetics
Crowns, bridges, dentures, implants (one year wait for coverage)
50%
50%
Braces & teeth alignment
Orthodontics (one year wait for coverage)
50%
50%
Lifetime orthodontic maximum
$1,200
$1,200
Deductible
One time per person, does not apply to braces
$50
$50
Annual maximum benefit
Per person per coverage year
$1,200
$1,200
Maximum Bonus Account
Rollover certain unused benefits for future use (limitations apply)
No
No
Minimum employees enrolled
2
10
Employee enrollment % required
50%
50%
Employer contribution
For single premium
25%
25%
Health through Oral Wellness
Added benefits for those at high risk of tooth decay or gum disease
Yes
Yes
Prevention Pays
Preventive care doesn't count against annual maximum benefit
Yes
Yes
Dependents
Depdendents covered to age 26.
Network: PPO Plus Premier
Includes 96% of dentists in South Dakota!
| Standard 2-rate [8010] | $54.30 |
| Standard 4-rate [8013] | $54.30 |
| Standard 2-rate [8010] | N/A |
| Standard 4-rate [8013] | $108.30 |
| Standard 2-rate [8010] | N/A |
| Standard 4-rate [8013] | $111.00 |
| Standard 2-rate [8010] | $135.90 |
| Standard 4-rate [8013] | $149.50 |
Routine exams, cleanings, x-rays, and more!
| Standard 2-rate [8010] | 100% |
| Standard 4-rate [8013] | 100% |
Cavity repair, temporary stainless steel crowns, extractions, oral surgery
| Standard 2-rate [8010] | 50% |
| Standard 4-rate [8013] | 50% |
Root canals, gum disease treatment, periodontal maintenance cleanings (one year wait for coverage)
| Standard 2-rate [8010] | 50% |
| Standard 4-rate [8013] | 50% |
Crowns, bridges, dentures, implants (one year wait for coverage)
| Standard 2-rate [8010] | 50% |
| Standard 4-rate [8013] | 50% |
Orthodontics (one year wait for coverage)
| Standard 2-rate [8010] | 50% |
| Standard 4-rate [8013] | 50% |
| Standard 2-rate [8010] | $1,200 |
| Standard 4-rate [8013] | $1,200 |
One time per person, does not apply to braces
| Standard 2-rate [8010] | $50 |
| Standard 4-rate [8013] | $50 |
Per person per coverage year
| Standard 2-rate [8010] | $1,200 |
| Standard 4-rate [8013] | $1,200 |
Rollover certain unused benefits for future use (limitations apply)
| Standard 2-rate [8010] | No |
| Standard 4-rate [8013] | No |
| Standard 2-rate [8010] | 2 |
| Standard 4-rate [8013] | 10 |
| Standard 2-rate [8010] | 50% |
| Standard 4-rate [8013] | 50% |
For single premium
| Standard 2-rate [8010] | 25% |
| Standard 4-rate [8013] | 25% |
Added benefits for those at high risk of tooth decay or gum disease
| Standard 2-rate [8010] | Yes |
| Standard 4-rate [8013] | Yes |
Preventive care doesn't count against annual maximum benefit
| Standard 2-rate [8010] | Yes |
| Standard 4-rate [8013] | Yes |
SDRA Enhanced plans (2025)
Enhanced 2-rate [8012]
Enhanced 4-rate [8015]
Monthly Rate: Employee
$59.20
$59.20
Monthly Rate: Employee + Spouse
N/A
$118.40
Monthly Rate: Employee + Children
N/A
$120.30
Monthly Rate: Family
$148.20
$162.30
Preventive care
Routine exams, cleanings, x-rays, and more!
100%
100%
Fillings & extractions
Cavity repair, temporary stainless steel crowns, extractions, oral surgery
50%
50%
Root canals & gum disease
Root canals, gum disease treatment, periodontal maintenance cleanings (one year wait for coverage)
50%
50%
Crowns & prosthetics
Crowns, bridges, dentures, implants (one year wait for coverage)
50%
50%
Braces & teeth alignment
Orthodontics (one year wait for coverage)
50%
50%
Lifetime orthodontic maximum
$1,500
$1,500
Deductible
One time per person, does not apply to braces
None
None
Annual maximum benefit
Per person per coverage year
$1,500
$1,500
Maximum Bonus Account
Rollover certain unused benefits for future use (limitations apply)
Yes
Yes
Minimum employees enrolled
2
10
Employee enrollment % required
75%
75%
Employer contribution
For single premium
50%
50%
Health through Oral Wellness
Added benefits for those at high risk of tooth decay or gum disease
Yes
Yes
Prevention Pays
Preventive care doesn't count against annual maximum benefit
Yes
Yes
Dependents
Depdendents covered to age 26.
Network: PPO Plus Premier
Includes 96% of dentists in South Dakota!
| Enhanced 2-rate [8012] | $59.20 |
| Enhanced 4-rate [8015] | $59.20 |
| Enhanced 2-rate [8012] | N/A |
| Enhanced 4-rate [8015] | $118.40 |
| Enhanced 2-rate [8012] | N/A |
| Enhanced 4-rate [8015] | $120.30 |
| Enhanced 2-rate [8012] | $148.20 |
| Enhanced 4-rate [8015] | $162.30 |
Routine exams, cleanings, x-rays, and more!
| Enhanced 2-rate [8012] | 100% |
| Enhanced 4-rate [8015] | 100% |
Cavity repair, temporary stainless steel crowns, extractions, oral surgery
| Enhanced 2-rate [8012] | 50% |
| Enhanced 4-rate [8015] | 50% |
Root canals, gum disease treatment, periodontal maintenance cleanings (one year wait for coverage)
| Enhanced 2-rate [8012] | 50% |
| Enhanced 4-rate [8015] | 50% |
Crowns, bridges, dentures, implants (one year wait for coverage)
| Enhanced 2-rate [8012] | 50% |
| Enhanced 4-rate [8015] | 50% |
Orthodontics (one year wait for coverage)
| Enhanced 2-rate [8012] | 50% |
| Enhanced 4-rate [8015] | 50% |
| Enhanced 2-rate [8012] | $1,500 |
| Enhanced 4-rate [8015] | $1,500 |
One time per person, does not apply to braces
| Enhanced 2-rate [8012] | None |
| Enhanced 4-rate [8015] | None |
Per person per coverage year
| Enhanced 2-rate [8012] | $1,500 |
| Enhanced 4-rate [8015] | $1,500 |
Rollover certain unused benefits for future use (limitations apply)
| Enhanced 2-rate [8012] | Yes |
| Enhanced 4-rate [8015] | Yes |
| Enhanced 2-rate [8012] | 2 |
| Enhanced 4-rate [8015] | 10 |
| Enhanced 2-rate [8012] | 75% |
| Enhanced 4-rate [8015] | 75% |
For single premium
| Enhanced 2-rate [8012] | 50% |
| Enhanced 4-rate [8015] | 50% |
Added benefits for those at high risk of tooth decay or gum disease
| Enhanced 2-rate [8012] | Yes |
| Enhanced 4-rate [8015] | Yes |
Preventive care doesn't count against annual maximum benefit
| Enhanced 2-rate [8012] | Yes |
| Enhanced 4-rate [8015] | Yes |
Health through Oral Wellness
Included at no additional cost, this unique patient-centered program encourages better health and lower plan costs.
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Prevention Pays
Covering preventive care beyond the annual maximum benefit encourages regular dental visits to protect your smile and keep it healthy.
Maximum Bonus Account
Enhanced SD Retailers Association Plans [8012 & 8015] include this feature that banks unused benefits to future years. Limitations apply.
PPO Plus Premier
All SD Retailers Association plans are Delta Dental PPO Plus Premier plans. Enrolled members get broad choice of dentists in two networks.
Plan documents
Download plan summaries, enrollment forms, and other files at our Document Library.