IMA’s two dental plans, through Delta Dental of Kansas, provide regular preventive dental care and offer coverage to fix problems early.
Note: You may visit any dentist of your choice, but you’ll receive the highest coverage when you visit in-network providers. If you visit an out-of-network provider, you will not benefit from discounted rates and will pay more for services. To find an in-network provider near you, visit deltadentalks.com or download their mobile app.
| Plan Features | Traditional High Dental | Preventive Low Dental |
|---|---|---|
| In-Network | In-Network | |
| Network Access | Delta Dental PPO (provides the greatest discounts for you and the plan) or Delta Dental Premier | |
| Annual Deductible (waived for Preventive Services) Individual/Family | $50 / $150 | $50 / $150 |
| Annual Maximum per Person | Plan pays up to $2,000 | Plan pays up to $1,000 |
| You pay: | You pay: | |
| Diagnostic & Preventive Services* (e.g., x-rays, cleanings, exams) |
Covered in full | Covered in full |
| Basic & Restorative Services (e.g., fillings, extractions, root canals) |
20% after deductible | 50% after deductible |
| Major Services (e.g., dentures, crowns, bridges) |
50% after deductible | Not covered |
| Orthodontia (adults & dependent children) |
50% after deductible | Not covered |
| Orthodontia Lifetime Maximum | Plan pays up to $2,000 | Not covered |
*For out-of-network services, members pay applicable coinsurance plus any amount that exceeds the maximum plan allowance.
The Right Start 4 Kids (RS4K) program makes dental care affordable for children age 18 and under enrolled on the plan. Here’s what you need to know:
