Dental Plan

Dental Plan

Delta Dental is the State Plan’s Dental Plan third party administrator and processes dental claims for the State Plan. Dental coverage is an option benefit.

Employees, Legislators, Retirees, COBRA participants, and eligible spouse/domestic partners and child(ren). For detailed information on who’s eligible for the State Plan, please refer to the Wrap Plan Document.

By creating an account at deltadentalins.com/stateofmontana, you can manage your dental benefits easily, from wherever you are. With an online account, you can view and print your member ID card, find an in-network dentist, check your plan details and eligibility, browse claim history, and more. Click for instructions on setting up your account.

  • Deductible*
    • $50 per Enrollee per Calendar Year
    • $150 per Family per Calendar Year
  • Maximum Amount Plan Pays Per Member
    • $1,800 per Member per Calendar Year
    • $1,500 Lifetime for Implant Benefits
  • Waiting Periods
    • None for Basic, Major, or Prosthodontics services

*Diagnostic & Preventive Benefits are not subject to the deductible.

Deductibles and maximums will be based upon a Plan Year, which is January 1 through December 31.

To find an in-network dentist, go to deltadentalins.com/stateofmontana and login to your account.

You can visit any licensed dentist and receive coverage under the State Plan, but you will usually get the most value from your State Plan benefit when you choose a PPO or Premier Dentist. PPO and Premier Dentists agree to accept the Delta Dental Allowance. You will only be responsible for your deductible and coinsurance amounts up to the maximum payable amount when using a PPO and Premier Dentist. An Out-of Network Dentist can bill you your deductible and coinsurance amounts, plus any amount over the Delta Dental allowance. Keep in mind you are responsible for any amount over the $1800 maximum payable amount regardless of provider network status.

Preferred Provider (PPO Dentist)

Have agreed to the lowest contracted fees. Your annual maximum dollars go further and you won't be balanced billed.

Premier Dentist

Have agreed to reduced contracted fees (not as low as PPO). Still provides dental insurance benefit, although you may end up paying more out-of-pocket. You won't be balance billed.

Non-Network Dentist

There's no contracted fee agreement, so your dentist can charge any amount. You still receive State Plan benefits, but using a non-network dentist can result in you reaching your annual maximum sooner and potentially being balanced billed.

Benefits and Covered Services
Benefit Benefit Coverage

Diagnostic & Preventative Services (D&P)

Exams, Cleanings, X-Rays, Sealants

 100%

Basic Benefits*

Fillings, Posterior Composites

 80%

Endodontics* (Root Canals)

Covered under Basic Services

 80%

Periodontics* (Gum Treatment)

Covered under Basic Services

 80%

Oral Surgery*

Covered under Basic Services

 80%

Major Benefits*

Crowns, Inlays, Onlays, Cast Restorations

 50%

Prosthodontics*

Bridges, Dentures, Implants

 50%
Implant Maximums $1,500 Lifetime

Pregnancy

One (1) additional oral exam and one (1) additional routine cleaning during pregnancy. 

Written confirmation of the pregnancy must be provided by the Enrollee or her dentist when the claim is submitted.

 100%
*Subject to $50 individual / $150 family deductible

No cost discount program available to State Plan members. Sign up and get access to a wide variety of local and national offers and discounts to help you care for your whole body and maintain a healthy life at LifePerksML.lifemart.com.

Special offers include:
  • Oral health discounts
  • Access to whole body health deals on nutrition, fitness equipment, and gym memberships
  • Save big on childcare, groceries, home services, pet insurance, and financial and auto services
  • Keep the whole family entertained with discounted access to movie theaters, theme parks, vacation planning, and travel services

  • Eat Right For Your Teeth: Find the answers to frequently asked questions about nutrition and oral health.
  • Brush Smart: An oral wellness program that offers personalized solutions, oral care tips, and discounts on the products that help you improve your dental care routine. Sign up today for a 20% discount of Philips Sonicare products!
  • SmileWay: Resources to keep your teeth and body healthy with preventive care articles, quizzes, and more.
  • Grin!: Free dental e-newsletter sent four times a year.
  • Wellness Library: Get all the oral health tips you need to keep your teeth and body healthy with preventive care articles, quizzes and more.