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Iowa Bankers Insurance
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PO Box 6210
Johnston, IA 50131
Toll-Free: 800-532-1423
Fax: 515-286-4214

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Dental Insurance

Dental Insurance

The Iowa Bankers Benefit Plan (IBBP) offers dental insurance through Delta Dental of Iowa. Delta Dental of Iowa is part of the national Delta Dental Plan Association, which provides you with access to a national network of dentists who participate with Delta Dental. Ninety-three percent of Iowa’s dentists participate with Delta Dental.

Iowa Bankers Insurance and Services, Inc. (IBIS) manages all the administrative functions for the dental plan, including customer service. IBIS contracts with Delta Dental for provider service contracting and claims processing.

Delta Dental Premier Dental Plan

The IBBP offers dental insurance coverage through Delta Dental’s Premier Dental Plan. The features of Delta Dental’s Premier Dental Plan include:

  • This dental plan is designed to help contain dental costs by encouraging preventive care.
  • The key component of the Delta Dental Premier program is its panel of participating dentists. You can receive care from almost any dentist you wish, but there are advantages when you receive services from Delta Dental dentists. How much you pay for covered services depends on the benefit category of the service you receive and the dentist you receive services from. It is usually to your financial advantage to receive services from a Delta Dental dentist.
  • More than 90% of Iowa’s dentists—and three out of four dentists nationwide—are Delta Dental participants. These participating dentists agree to accept the allowed amount as payment in full for covered services once deductibles and coinsurance amounts are met. They’ll even file your claims on your behalf. For a full list of network providers, go to the Delta Dental of Iowa website at
  • While you can visit non-participating dentists, they are not required to accept the allowed amount as payment in full. Delta Dental will forward any benefit payment for a non-participating dentist to you directly, and you will be responsible for paying your dentist’s bill in full.
  • All three Delta Dental benefit plans offered through the IBBP include Delta Dental’s Enhanced Benefits Program. The Enhanced Benefits Program links medical conditions and oral health by offering additional dental benefits to enrollees with the medical conditions listed below. To receive the additional dental benefits, you must enroll in the Enhanced Benefits Program through the Subscriber Connection on the Delta Dental of Iowa website at or you can ask your dentist to enroll you in the program.

    • Pregnancy
    • Diabetes
    • Advanced periodontal disease
    • High-risk cardiac conditions
    • Suppressed immune system
    • Kidney failure or dialysis
    • Cancer related chemotherapy and/or radiation
  • As an added benefit of Delta Dental coverage, you receive a vision discount through the EyeMed Program.

Forms, Resources, and Questions

If you’re enrolled in dental insurance through the IBBP, you can access the Summary Plan Description (SPD) for your dental insurance coverage, as well as related forms and other resources, by logging into the IBIS Employee Self-Service Website. You can also go to the Delta Dental website at for additional information and resources.

If you have questions about your dental insurance coverage through the IBBP, please contact your employer’s plan administrator or call IBIS Customer Service at 800-258-1415.

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Mid America Banking Insurance Services, Inc., a subsidiary of IBIS, provides insurance programs to banks outside of Iowa. 

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Iowa Bankers Mortgage Corp. (IBMC) offers the products & experience Iowa banks need in the secondary mortgage market.

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The Iowa Bankers Association (IBA) is dedicated to serving Iowa banks and their employees.

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