Dental insurance in Iowa

We discuss your options for dental insurance in Iowa.

6/1/202313 min read

dental insurance in iowa
dental insurance in iowa

Dental Insurance in Iowa

Understanding Dental Insurance in Iowa

Dental insurance plays a vital role in ensuring that individuals and families can access affordable dental care. In Iowa, there are several dental insurance providers offering a range of plans tailored to meet different needs and budgets. Let's explore the key aspects of dental insurance in Iowa:

1. Types of Dental Insurance Plans

a. Preferred Provider Organization (PPO) Plans

PPO plans offer a broad network of dentists from which you can choose. These plans provide flexibility in terms of selecting a dentist and often cover a portion of the treatment cost, depending on the specific plan. With a PPO plan, you can receive both preventive and restorative dental services.

b. Dental Health Maintenance Organization (DHMO) Plans

DHMO plans require you to choose a primary care dentist from a network of providers. These plans typically have lower premiums but may require you to obtain a referral from your primary dentist for specialized treatments. DHMO plans usually cover preventive care at little to no cost and offer discounted rates for other dental services.

c. Indemnity Plans

Indemnity plans, also known as traditional or fee-for-service plans, allow you to visit any dentist without restrictions. These plans offer the most flexibility in terms of provider choice but may have higher out-of-pocket costs. With an indemnity plan, you pay the dentist directly, and the insurance company reimburses you based on the coverage percentage outlined in your plan.

2. Coverage Details

a. Preventive Care

Preventive care is a cornerstone of maintaining good dental health. Most dental insurance plans cover preventive services, such as regular check-ups, cleanings, and X-rays, at little to no cost. These preventive measures help detect dental issues early on, preventing more extensive and costly treatments down the line.

b. Basic and Major Restorative Services

Basic restorative services include fillings, root canals, and extractions. Major restorative services encompass procedures like crowns, bridges, and dental implants. Coverage for these services varies depending on your dental insurance plan. Some plans may cover a higher percentage of the cost, while others may require you to pay a greater share.

c. Orthodontic Treatment

Orthodontic treatment, such as braces or aligners, is often considered an additional benefit and may not be included in all dental insurance plans. If you or a family member requires orthodontic care, it's essential to review the plan's orthodontic coverage and any associated waiting periods or limitations.

3. Cost Considerations

a. Monthly Premiums

When selecting a dental insurance plan, evaluating the monthly premiums is crucial. Premiums vary based on the plan type, coverage level, and the number of individuals covered. While lower premiums may seem attractive, it's essential to assess the overall value provided by the plan, considering coverage and anticipated dental needs.

b. Deductibles and Annual Maximums

Deductibles represent the amount you must pay out of pocket before your insurance coverage kicks in. Annual maximums refer to the maximum amount the insurance company will pay for dental services within a calendar year. Understanding these factors helps you gauge the potential costs you may incur under a specific plan.

c. Copayments and Coinsurance

Copayments are fixed amounts you pay for specific dental treatments or services. Coinsurance is a percentage of the treatment cost that you are responsible for. It's important to review the copayment and coinsurance details in your plan to understand how much you will need to contribute for different types of dental care.

4. Choosing the Right Dental Insurance Plan

a. Assess Your Dental Needs

Before selecting a dental insurance plan, evaluate your specific dental needs and those of your family members. Consider factors such as age, existing dental conditions, and the likelihood of needing orthodontic treatment. Understanding your needs will help you narrow down the available options and select the most suitable plan.

b. Network Coverage

If you have a preferred dentist, ensure that they are within the network of providers covered by the dental insurance plan you are considering. Additionally, check the network's size and availability in your area to ensure convenient access to quality dental care.

c. Review Plan Details and Exclusions

Thoroughly review the plan details, including coverage limits, waiting periods, and exclusions. Some plans may have waiting periods before certain services are covered, while others may exclude specific treatments altogether. Being aware of these details will prevent surprises and ensure you choose a plan that meets your requirements.

With a comprehensive range of budget-friendly options, our company offers dental plans designed to fit every need. Our dental insurance coverage in Iowa is tailored to ensure you receive high-quality dental care while keeping your out-of-pocket costs low.


  1. Complete Dental: Starting at a low premium of $45.99, our Complete Dental plan is a PPO type with coinsurance options of 100/80/50 for in-network and out-of-network. The individual deductible is $50, with no in-network deductible for preventive services and a family deductible of $150. The annual maximum increases from $1250 in the first year to $1500 from the second year onwards.

  2. Dental Savings Plus: This discount plan is available for as low as $5.99. It does not have a coinsurance, individual deductible or family deductible. It also offers no waiting periods, ensuring immediate access to dental care.

  3. Preventive Plus: This PPO-type plan has a coinsurance of 100/50/0 for in-network services and 70/30/0 for out-of-network. The individual and family deductibles are $50 and $150, respectively. The annual maximum includes only covered services and is set at $1,000.

  4. Preventive Plus for Veterans: Our special plan for veterans offers the same benefits as the Preventive Plus plan, with an individual deductible of $50 and a family deductible of $150.

  5. Loyalty Plus Premium: Available for as low as $31.99, this PPO-type plan offers 100-100-100% coinsurance options, with an individual deductible of $150 and a family lifetime deductible of $450. The annual maximum includes covered and discounted services.

Complete Dental Plan

Starting at a low premium of $45.99, the Complete Dental plan is popular for individuals and families seeking comprehensive coverage. This plan falls under the preferred provider organization (PPO) type, offering Iowa's wide network of dentists. With coinsurance options of 100/80/50 for both in-network and out-of-network services, you can choose your preferred dentist.

For in-network services, the individual deductible is $50, while there is no deductible for preventive services. The family deductible is $150, providing coverage for the entire family. It's important to note that preventive services such as routine check-ups, cleanings, and X-rays often have no deductible or copayment.

The annual maximum benefit for the Complete Dental plan increases from $1,250 in the first year to $1,500 from the second year onwards. This means that once you reach the maximum benefit amount, you will be responsible for the full cost of any additional dental treatments until the next policy year.

Dental Savings Plus

For those seeking a more budget-friendly option, the Dental Savings Plus plan is available for as low as $5.99. This plan functions as a discount plan rather than traditional insurance. It does not have coinsurance, or individual or family deductibles, making it a straightforward and affordable choice.

The Dental Savings Plus plan offers immediate access to dental care with no waiting periods. This means you can start utilizing the plan's discounted rates for dental services as soon as you enroll. While this plan doesn't provide coverage for specific percentages of costs like traditional insurance, it can significantly reduce out-of-pocket expenses for dental treatments.

Preventive Plus Plan

The Preventive Plus plan is another PPO-type plan designed to prioritize preventive care. With coinsurance options of 100/50/0 for in-network services and 70/30/0 for out-of-network services, this plan encourages individuals to maintain good oral health through regular check-ups and preventive treatments.

The individual and family deductibles for the Preventive Plus plan are $50 and $150, respectively. This means that once these deductibles are met, the plan will begin covering the specified percentage of costs for eligible services.

The annual maximum benefit for the Preventive Plus plan is $1,000. It's important to understand that this maximum includes only covered services. Any treatments or procedures that fall outside the covered services list will not contribute to reaching the annual maximum.

Preventive Plus for Veterans

In recognition of the service and sacrifices veterans make, there is a special dental insurance plan tailored specifically for them. The Preventive Plus for Veterans plan offers the same benefits as the standard Preventive Plus plan, including the coinsurance options of 100/50/0 for in-network services and 70/30/0 for out-of-network services.

For veterans enrolling in this plan, the individual deductible remains at $50, while the family deductible is $150. This ensures that veterans and their families can receive essential dental care with predictable out-of-pocket costs.

Loyalty Plus Premium Plan

If you value comprehensive coverage and high coinsurance options, the Loyalty Plus Premium plan may be ideal. With premiums starting as low as $31.99, this PPO-type plan offers coinsurance options of 100-100-100%, meaning the plan covers the full cost of preventive, basic, and major services.

The individual deductible for the Loyalty Plus Premium plan is $150, while the family deductible is a lifetime deductible of $450. This means that once the family reaches a total of $450 in deductible payments, the deductible will no longer apply to any family member.

Similar to other plans, the Loyalty Plus Premium plan also has an annual maximum benefit. However, what sets this plan apart is that it includes both covered and discounted services towards the annual maximum. This means that even if you receive treatments at discounted rates, they will contribute to reaching the annual maximum.

Limitations and Exclusions

As with any insurance plan, it's essential to be aware of the limitations and exclusions that may apply. While the specific details may vary between plans, some common limitations and exclusions include the following:

  • Cosmetic dentistry procedures like teeth whitening and veneers may not be covered.

  • Pre-existing dental conditions may have limited or no coverage.

  • Orthodontic treatments like braces or Invisalign may have specific waiting periods or coverage limitations.

  • Experimental or investigational treatments are typically not covered.

  • Services received outside the United States may not be covered.

  • Certain services may require prior authorization from the insurance provider.

It's important to thoroughly review the plan documents and policy details to understand the specific limitations and exclusions that apply to your chosen dental insurance plan.

Best Dental Insurance Plans in Iowa

If you're searching for the best dental insurance plans in Iowa, you're in the right place. We've carefully reviewed and compared various dental insurance providers to help you make an informed decision. Below, you'll find detailed information on the top dental insurance options available in Iowa.

Delta Dental of Iowa

Delta Dental of Iowa is a trusted provider offering three exceptional PPO plans for individuals and families. Let's explore the coverage details:

Preventive Prime Plan

The Delta Dental Preventive Prime plan focuses on preventive care. It provides 80% coverage for services such as check-ups, teeth cleaning, and x-rays. Additionally, routine and restorative services, including tooth-colored fillings and cavity repair, are covered by 50%. Out-of-network dentists are also covered, although at a slightly lower coverage percentage. The deductible for this plan is only $50 per person per year.

Preferred Prime Plan

For enhanced coverage, consider the Preferred Prime plan. This plan fully covers preventive services and offers 50% coverage for tooth extractions, cavity repair, and routine oral surgery. Back teeth fillings are covered at 40%. Major services like root canals, crowns, bridges, and dentures receive 50% coverage, but note that there may be a waiting period of 6–12 months for these services. The annual maximum benefit for this dental insurance plan is $1,000.

Platinum Prime Plan

The Platinum Prime plan offers coverage similar to the Preferred Prime plan, with the added advantage of 80% coverage for cavity repair and tooth extractions. This plan has a low deductible of only $25 per person per year and an annual maximum benefit of $2,000.

Guardian Direct Iowa

Guardian Direct offers four individual dental insurance plans in Iowa, each with its own unique features. Here are the details:

Guardian Direct Advantage Starter Plan

The Guardian Direct Advantage Starter plan provides full coverage for preventive services, including exams, cleanings, and x-rays, regardless of whether you visit an in-network or out-of-network dentist. Fillings and extractions receive 50% coverage, and there is no waiting period for these services.

Guardian Direct Advantage Core Plan

The Advantage Core plan covers preventive services at 80%. Additionally, it offers 50% coverage for crowns, root canals, dentures, deep cleanings, and implants, but there is a 12-month waiting period for these services.

Guardian Direct Advantage Achiever Plan

Similar to the Advantage Core plan, the Achiever plan provides coverage for preventive services at 80%. Fillings and extractions are covered at 70% with a 6-month waiting period. This plan also includes 50% coverage for braces and other orthodontic treatments, making it a smart choice for individuals or families considering orthodontic care in the future.

Guardian Direct Advantage Diamond Plan

The Advantage Diamond plan is similar to the Achiever plan, but with the distinction of covering fillings and extractions at 80%. Additionally, it is the only plan that offers 50% coverage for teeth whitening after a 6-month waiting period. If you anticipate needing teeth whitening in the coming years, this plan could be an excellent fit for you.

Learn More About Dental Insurance

Understanding different types of insurance can be vital in making informed decisions about your health. We provide resources and information to help you learn more about dental insurance, its benefits, and how it can protect your oral health.

In conclusion, our comprehensive dental plans in Iowa are designed to give you peace of mind. From preventive care to major procedures, our plans ensure that you have access to quality dental care without burdening your finances. Make an informed decision and choose a plan that best fits your needs today.

FAQ: Dental Insurance in Iowa

1. What is dental insurance?

Dental insurance is a type of insurance coverage that helps individuals pay for dental care and treatments, such as preventive services, restorative procedures, and oral surgeries.

2. Why is dental insurance important in Iowa? Dental insurance is important in Iowa because it helps individuals manage the costs associated with dental care, making it more affordable and accessible for residents.

3. How does dental insurance work? With dental insurance, policyholders pay a monthly premium to the insurance provider. In return, the insurance company helps cover a portion of the costs for dental services, as outlined in the policy.

4. Is dental insurance mandatory in Iowa? No, dental insurance is not mandatory in Iowa. However, it is highly recommended to have dental insurance to offset the expenses of dental treatments.

5. What types of dental insurance plans are available in Iowa? Various types of dental insurance plans are available in Iowa, including preferred provider organization (PPO) plans, dental health maintenance organization (DHMO) plans, and discount dental plans.

6. What is a PPO dental insurance plan? A PPO dental insurance plan offers a network of dentists who have agreed to provide services at reduced rates to plan members. Policyholders have the flexibility to choose any dentist, whether they are in-network or out-of-network.

7. What is a DHMO dental insurance plan? A DHMO dental insurance plan requires policyholders to choose a primary dentist from a network of providers. This primary dentist manages all dental care and referrals to specialists. Referrals are necessary to see specialists in this plan.

8. What is a discount dental plan? A discount dental plan is not insurance but a membership program offering discounted rates on dental services. Members pay an annual or monthly fee and receive reduced rates when visiting participating dentists.

9. How do I find dental insurance plans in Iowa? You can find dental insurance plans in Iowa by researching and comparing different insurance providers online, consulting with insurance agents, or contacting the Iowa Insurance Division for recommendations.

10. Does dental insurance cover preventive care? Most dental insurance plans cover preventive care, including routine check-ups, cleanings, and X-rays. These services are usually covered at a high percentage or in full.

11. What types of dental services are typically covered by insurance? In addition to preventive care, dental insurance plans usually cover basic restorative procedures such as fillings, root canals, and extractions. Some plans may also cover orthodontic treatments, dentures, and dental implants.

12. Does dental insurance cover cosmetic dentistry? Cosmetic dentistry procedures, such as teeth whitening and veneers, are often considered elective and may not be covered by dental insurance. However, coverage may vary depending on the plan and specific circumstances.

13. Are pre-existing conditions covered by dental insurance? Most dental insurance plans do not cover pre-existing conditions. Reviewing the policy details to understand the coverage limitations related to pre-existing dental conditions is important.

14. Can I purchase dental insurance as an individual in Iowa? Yes, individuals can purchase dental insurance plans in Iowa. Many insurance companies offer individual plans, allowing individuals to obtain coverage for themselves and their dependents.

15. Can I get dental insurance through my employer in Iowa? Yes, many employers in Iowa offer dental insurance as part of their employee benefits package. You can inquire with your employer about the dental insurance options available to you.

16. How much does dental insurance cost in Iowa? The cost of dental insurance in Iowa varies depending on factors such as the type of plan, coverage levels, deductibles, and the insurance provider. It's recommended to obtain quotes from multiple insurers to compare costs.

17. Does dental insurance have waiting periods? Some dental insurance plans may have waiting periods before certain services are covered. Waiting periods typically apply to major procedures and orthodontic treatments. Review the policy details to understand any waiting periods.

18. Can I use my dental insurance immediately after enrollment? Dental insurance coverage often begins immediately after enrollment for preventive services. However, waiting periods may apply to other procedures. It's important to review the policy terms to understand the specifics.

19. Can I visit any dentist with dental insurance? The ability to visit any dentist depends on the type of dental insurance plan. PPO plans generally allow you to visit both in-network and out-of-network dentists, while DHMO plans require you to choose a primary dentist within the network.

20. How do I file a dental insurance claim in Iowa? To file a dental insurance claim in Iowa, you typically need to submit a claim form provided by your insurance company. This form should include details about the treatment received and any associated expenses. It's advisable to follow the specific instructions provided by your insurer.

21. Does dental insurance cover orthodontic treatment? Some dental insurance plans offer coverage for orthodontic treatment, such as braces or Invisalign. However, coverage for orthodontics may be subject to waiting periods or limitations. Review the policy details for specific coverage information.

22. Can I change my dental insurance plan in Iowa? In many cases, you can change your dental insurance plan during the open enrollment period or when experiencing a qualifying life event, such as marriage, divorce, or child birth. Contact your insurance provider or employer for more information.

23. Can I get dental insurance if I have Medicaid in Iowa? Iowa's Medicaid program, called Iowa Health and Wellness Plan, includes limited dental benefits for adults. You can inquire with the Iowa Medicaid program or visit their website for more information on dental coverage options.

24. What should I consider when choosing a dental insurance plan in Iowa? When choosing a dental insurance plan in Iowa, consider factors such as the cost of premiums, coverage levels, network of dentists, waiting periods, and the specific dental needs of you and your family.

25. Where can I get more information about dental insurance in Iowa? For more information about dental insurance in Iowa, you can contact the Iowa Insurance Division, visit the official website of the Iowa Medicaid program, or consult with insurance providers directly.