Health and Dental Care Programs

 

Ivy Tech’s dental plan options offer you two ways to receive your benefits. You may choose PPO coverage that utilizes the Delta Dental PPO and Premier Networks of providers or elect coverage through a dental health maintenance organization (DHMO), administered by Humana/CompBenefits, if available in your region. The Dental PPO Plan allows you to utilize in-network and/or out-of-network providers and still receive coverage, while the Humana/CompBenefits DHMO Plan only covers dental care services performed by in-network providers.

Dental PPO Plan

The Dental PPO Plan offers you and your covered family members dental benefits without requiring payment of a deductible for preventive procedures. You may use in- or out-of-network dental care providers for treatment. For preventive work, such as exams and cleanings, this plan will pay 100% of the cost for in-network providers, and 100% of usual, reasonable, and customary (UCR) costs for out-of-network providers. For basic services, such as fillings or root canals, and for major dental work, such as dentures, the plan will pay 80% of the cost for in-network providers, after the $50/person or $150/family deductible has been met. The calendar year maximum benefit for all services other than orthodontia is $1,500 per person. The Dental PPO Plan also offers orthodontia benefits for dependent children up to age 19 of 50% of cost, with an individual lifetime maximum benefit of $1,000. The orthodontia benefit applies to both in- and out-of-network providers.

You can search for providers in the Delta Dental Premier and Delta Dental PPO networks by name or location by clicking on the following link: Delta Dental Provider Search.   If you choose a dentist who does not participate in Delta Dental’s PPO or Premier Networks, you will be responsible for a larger deductible, a greater copyament and any difference between Delta Dental's allowed fee.

Humana/CompBenefits DHMO Plan

The Humana/CompBenefits Dental Health Maintenance (DHMO) Plan does not require a deductible. This plan covers 100% of charges for any preventive work or basic repairs after your $5 co-pay, and 50% to 75% of major dental work. There is no annual maximum benefit under the Humana/CompBenefits DHMO plan. When you are covered by this plan and you visit the dentist, you pay only your portion of the bill. There are no claim forms to fill out and no waiting for reimbursement. This plan also offers an orthodontia benefit for dependent children to age 19 and for adults that includes evaluation, treatment, and retention with a specific schedule of benefits for each stage of the process, with an individual lifetime maximum benefit of $1,650 for children and $1,850 for adults. The orthodontia benefit applies to in-network providers only.

This plan does not cover any portion of fees for services performed by out-of-network dentists. So, if you choose a dentist who does not participate in the Humana/CompBenefits DHMO Network, you will be responsible for 100% of the cost of services performed by that out-of-network dentist.

The Humana/CompBenefits DHMO Network is relatively small in Indiana.  A few Ivy Tech regions have a sufficient number of DHMO in-network dentists from which to choose.  However, many areas of Indiana have few, if any, DHMO in-network providers available within a reasonable distance from work or home.  You can search for in-network providers by name or location to assist you in choosing between the two dental plans by clicking on the following link: Humana/CompBenefits DHMO Provider Search.

Please see the plan summary for each plan to determine specific benefits. All plan summaries can be found on the College’s benefits website, Ivy Tech Employee Benefits or by contacting your regional Human Resources department.

 

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