When a plan is self-insured the employee and employer premiums are put into an account. When a claim occurs, money from that account is used to pay that claim. If claim costs increase, then premiums must increase to cover the additional costs.
Dental premiums are withheld from your pay as a pre-tax deduction, which reduces your taxable income and the amount of taxes you pay at the time of payroll. This is a default selection by the university.
If you would like to opt-out of the pre-tax premium option, please complete the After-Tax Premium Option form and submit to the Human Resource Services Office.
UNI Dental Plan
Plan Information Effective: January 1, 2018, through December 31, 2020.
Dental insurance helps you cover the costs of routine dental check-ups, treatment, and care of dental disease and accidents to teeth. Delta Dental offers a large network of providers, with a broad range of dentists, which helps to keep your out-of-pocket costs down.
A list of participating providers may be found at deltadentalia.com. You may also ask providers whether they have a participating agreement with Delta Dental or contact Delta Dental at (800) 544-0718 to ask about specific providers.
Your dental plan includes Delta Dental of Iowa’s Enhanced Benefits Program, which offers additional dental services to members with certain conditions. This program is available to employees and their family members who are enrolled in the UNI Dental Plan.
To Go Program
Delta Dental's To Go Program allows you to carry over any unused annual benefit from one year to the next. This program offers more flexibility and helps you plan for more extensive and costly dental treatments for yourself, or your covered family members, in subsequent years. This program does not cost anything and is automatic for anyone enrolled.
Delta Dental Offers Vision Discounts
University of Northern Iowa employees enrolled in Delta Dental of Iowa are automatically eligible for a vision discount program through EyeMed Vision Care at no extra cost.
Dental Insurance Coverage - What To Do When Traveling Internationally
The UNI Dental Plan offers coverage for covered services while out of the country. In case of a dental issue while traveling:
Schedule and proceed with the service needed. Cost of service is determined by the provider. The co-insurance is the same is an out-of-network service, or a charge that would be charged in the Premier network.
Wherever conflicts occur between the contents of this site and the contracts, rules, regulations, or laws governing the administration of the various programs, the terms set forth in the various program contracts, rules, regulations, or laws shall prevail. Space does not permit listing all limitations and exclusions that apply to each plan. Before using your benefits, review the plan's coverage manual. Benefits provided can be changed at any time without the consent of participants.