ACA Plans

Information for individuals who are enrolled in an ACA (Affordable Care Act) certified dental plan through the Health Insurance Marketplace:

Out-of-network Liability and Balance Billing

You must choose a Delta Dental PPO dentist to receive coverage for dental care. PPO dentists accept reduced fees (Delta Dental's PPO allowed fee) as payment in full. Deductible and Co-payment may apply. If Delta Dental's allowed PPO fee is lower than that dentst's usual charge, the dentist cannot "balance bill" you the difference between his or her usual fee and Delta Dental's allowed fee.

If you visit a dentist that is not a part of the Delta Dental PPO network, you may be liable for all charges incurred for dental services received, except for care for an emergency.

Click here to find a Delta Dental PPO dentist.

Enrollee claims submission

If you visit a Delta Dental PPO dentist, then they will submit a claim for you. If the dentist failed to submit a claim on your behalf, you may download a claim form, complete and mail to:

DDIL-Individual
P.O. Box 5402
Lisle, IL 60532
PAYOR ID: IDIND

Claims must be submitted within one year after dental treatment. For more information or assistance with submitting a dental claim, please call our customer service department at 888-559-0780, Monday through Friday, 8:30 a.m. - 5:00 p.m. (Central Time). You can also email us at DDIL-HBE@deltadentalil.com.

Please note: If you visit a dentist that is not a part of the Delta Dental PPO network, you may be liable for all charges incurred for dental services received, except for care for an emergency.

If you receive treatment for an emergency condition from a non-network dentist, you should file a claim only if that dentist has not filed one for you. You should file a claim only after the procedure is completely finished. Do not file for payment before a procedure is completed.

If you receive treatment for an emergency condition from a non-network dentist, we will pay you directly, unless you assign the payment to your dentist.

Grace periods and claims pending policies during the grace period

Premiums are to be paid by you to us on each premium due date. While each premium is due by the due date, there is a grace period for each premium payment. If the premium payment is not received by the end of the grace period, coverage will terminate as follows:

  1. If you do not receive advance payments of premium tax credits for coverage in the Illinois Health Insurance Marketplace and fail to pay the required premium within a 31 day grace period, coverage will terminate retroactively back to the last date premiums were paid. You will be responsible to pay for any claims submitted during the grace period.
  2. If you receive advance payments of the premium tax credit and have paid at least one full month's premium, you are entitled to a grace period of three consecutive months. During the grace period, we will pay all appropriate claims for services rendered to the covered individual during the first month of the grace period and we may pend claims for services rendered to the covered individual in the second and third months of the grace period.

How will you know when your claim is processed?

Network dentists are paid directly: Unless your payment responsibility is zero, you will receive an Explanation of Benefits Statement that describes the services your dentist submitted and the benefits that your dental program covers. The treating dentist will receive an Explanation of Payment along with the payment.

If you receive treatment for an Emergency Condition from a non-network dentist, we will pay you directly, unless you assign the payment to your dentist. Along with our payment, you will receive an Explanation of Payment Statement that describes the services your dentist submitted and the benefits that your dental program covers. If you have assigned payment to your non-network dentist, your dentist will be paid directly

Retroactive denials

A retroactive denial is the reversal of a previously paid claim, through which the enrollee then becomes responsible for payment.

Delta Dental of Illinois does not retroactively deny claims.

Enrollee recoupment of overpayments

Enrollee recoupment of overpayments is the refund of a premium overpayment by the enrollee due to the over-billing by the issuer.

Delta Dental of Illinois does not refund overpayment of premium by the enrollee. If overpayment is received, Delta Dental of Illinois provides credit on the enrollee's account.

Pre-Treatment Estimate timeframes and enrollee responsibilities

A predetermination of benefits, or pre-treatment estimate, for dental procedures is not required. However, a predetermination is recommended for treatment plans exceeding $200. The pre-treatment estimate lets you know in advance whether the requested services are covered under your policy.

There are no ramifications for not obtaining a pre-treatment estimate.

Information on Explanation of Benefits (EOBs)

When you are covered by a dental plan, you often receive an explanation of benefits (EOB) from your dental carrier after a trip to the dentist's office. The EOB is not a bill, but rather an explanation of the procedures that were performed at the appointment and what is covered by your particular dental plan.

The EOB includes the portion your plan paid and any amount you may owe (such as the deductible, coinsurance or non-covered services). It should also include an update on how much of your annual maximum has been used and the amount you have paid toward your deductible. Delta Dental of Illinois will send you an EOB after a claim is paid.

You can access your EOB any time through our Member Central. To register for our Member Central, follow these easy steps.

How will you be notified of Delta Dental of Illinois' Payment determination?

If you make a claim for benefits under your policy, and the claim is denied in whole or in part, you will receive written notification within 30 days after we receive a completed claim form, unless special circumstances require an extension of time for processing. The claim decision will be sent on a form entitled, "Explanation of Benefits Statement".

You will receive an Explanation of Benefits Statement, if you have to pay any portion of the claim, or if payment is issued directly to you for the treatment of an emergency condition. If your payment responsibility is zero, we will issue payment directly to the dentist, and you will not receive an Explanation of Benefits Statement because your claim has been paid in full. However, you may still check claim status on our website or by using the automated phone system.

Coordination of benefits (COB)

Coordination of benefits (COB) is when you and/or your dependents are covered by more than one benefit plan (dual coverage), and the two benefit plans are coordinated so that no more than 100 percent of the total covered expense of any treatment is paid.

Delta Dental of Illinois does not allow Coordination of Benefits on ACA plans purchased through the Health Insurance Marketplace.

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