Dental Plan

Delta Dental Contact Information 

 

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

Eligibility

Employees, legislators, retirees, COBRA participants, and eligible spouses and/or domestic partners and children. For detailed information on who’s eligible for the State Plan, please refer to the Wrap Plan Document.

Virtual Dental Care

Access expert dental advice anytime with virtual dentistry, including photo assessments and live video visits for non-emergency oral health concerns. Learn more about Delta Dental's Virtual Dentistry service, including how to access care and what to expect.

Dental Networks

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

  • Preferred Provider (PPO Dentist): Have agreed to the lowest contracted fees. Your annual maximum dollars go further and you won't be balance billed.

  • Premier Dentist: Has agreed to reduced contracted fees (not as low as PPO). Still provides dental insurance benefits, 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 cause you to reach your annual maximum sooner and potentially be balance billed.

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 be responsible only for your deductible and coinsurance amounts, up to the maximum payable amount, when using a PPO and a Premier Dentist. An out-of-network dentist can bill you your deductible and coinsurance amounts, plus any amount over the Delta Dental allowance.

You are responsible for any amount over the $1800 maximum payable amount regardless of provider network status.

Online Resources

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, get a pre-treatment estimate, and more.

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 additional oral exam and one additional routine cleaning during pregnancy. 

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

 100%

*Subject to deductible

Deductible - Diagnostic & Preventive Benefits are not subject to the 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 and/or Major benefits, or Prosthodontics services.
    • For details including what is covered under Basic and Major benefits see the dental section of the Wrap Plan Document or call Delta Dental.

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

Programs and Publications

Resources to help you improve your oral health.

Discount Program

LifePerks: Save money on products and services that support your health and everyday life with LifePerks. It's a no-cost discount program available to State Plan members, offering savings on:
  • Oral health products and services
  • Nutrition, fitness equipment, and gym memberships
  • Childcare, groceries, home services, pet insurance, financial services, and auto services
  • Entertainment, movie theaters, theme parks, vacation planning, and travel