Since 1962, the Construction Industry Center has made available to the members and their employees a major medical type of Health Insurance Plan. This plan has proved to be one of the most comprehensive catastrophic health insurance programs in the industry. It’s available with dental to all our active/full members regardless of how many employees they have. Both plans promote preventive care, and include reimbursement of expenses for major services. There are no claim forms to complete. Just present your I.D. Card to any participating doctor, pharmacist or dentist. There is also available a group life insurance plan that is designed to fit the basic needs of the members and their employees. The Construction Industry Center has found through the years that many of our members cannot afford private health or dental insurance. These affordable plans are available to all of our members as an additional service.

www.carverinsurance.com
3202 W. Main , Ste. B, Rapid City, SD 57702
(605) 348-7410 (800)348-3130

Did you know...
Carver Insurance clients enjoy offering their employees flexible health insurance options, such as monthly deductibles, along with the most comprehensive network of physicians, pharmacies and hospitals in the area. Providing flexible benefits and access to a wide gamete of provider options creates happier, healthier employees and helps promote a positive work environment.

                    Carver Insurance has all the “tools” you need for your health insurance.

• Health (group and individual options)	• dental
• long and short term disability	• vision
• life	• FLEX and Cobra.

All these and more are included our toolbox of insurance options. With a full line-up of health plan options, we can help determine which are best suited for you, your family or your employees. 

Contact us today to see learn more about all of our flexible health care options. 

jcarver@carverinsurance.com

　　 

      Below is the summary of benefit for the 2020 Delta Dental Plan Year.

2021 Monthly Rates: Single $47.40  Family $115.46

Delta Dental of South Dakota

Group #2160

Construction Industry Center

Summary of Benefits

(Please refer to the handbook for more detailed benefits)

% Paid by

Delta Dental

100%	Diagnostic and Preventive Services (Check-Ups and Routine Teeth Cleaning) - Routine examinations - two per coverage year. - Routine dental cleaning (prophylaxis) - two per coverage year. - Bitewing x-rays - two per coverage year up to age 19, and once per coverage year age 19 and over. - Full mouth/panoramic x-rays - one in any five-year interval. - Fluoride applications - two per coverage year up to age 19. - Space maintainers (fixed, band type) on primary posterior teeth up to age 14. - Dental sealants - once for unrestored 1st and 2nd permanent molars of children up to age 16.
80%	Routine and Restorative Services (Cavity Repair/Fillings and Tooth Extractions) - Pre-formed or stainless steel restorations and restorations such as silver (amalgam) fillings, and tooth-colored (composite) fillings. If a tooth-colored filling is used to restore back (posterior) teeth, benefits are limited to the amount paid for a silver filling. - Extractions and other oral surgery. - Emergency treatment for relief of pain.
80%	Endodontics (Root Canals) and Periodontics (Gum and Bone Diseases) - Root canals. - Treatment of diseases of the tissues supporting the teeth. - Periodontal maintenance cleanings.
50%	Major Services (Crowns, Bridges, Dentures, and Implants) - Crowns when teeth cannot be restored with another filling material. - Prosthetics - bridges, partial dentures, complete dentures, and implants.
0%	Orthodontics (Braces) - Treatment necessary for the proper alignment of teeth.

Deductible: $25 per person per coverage year not to exceed $75 per family. The deductible does not apply to Diagnostic or Preventive Services.
Annual Maximum Benefit: $1,500 per person per coverage year. All services are subject to the Annual Maximum Benefit and will not be paid if your Annual Maximum Benefit has been reached.
Coverage Year: January - December
New employees will be eligible on the first day of the month following their employer’s probationary period.
Dependent children are covered to age 26.

Health through Oral Wellness®
Health through Oral Wellness® is a unique, patient-centered program that adds benefits to a Delta Dental plan based on individual oral health needs. A Delta Dental network dentist trained in Health through Oral Wellness will conduct a clinical risk assessment during a regular preventive visit. The assessment measures the risk and severity of periodontal disease, and the risk of tooth decay.
If the assessment determines a member is at risk for tooth decay, additional benefits include fluoride treatments, sealants, and oral hygiene instruction. If a member is at risk for periodontal (gum) disease, has periodontal disease or has had periodontal surgery, the member will be eligible for two additional cleanings* and two fluoride treatments.
If a member has any of the following health conditions, they are eligible for additional benefits.

 Diabetes (2 additional cleanings*)

 High-risk cardiac care (2 additional cleanings*)

 Kidney failure or dialysis (2 additional cleanings*)

 Cancer-related treatment - chemotherapy or radiation (2 additional cleanings* and 2 applications of fluoride varnish)

 Suppressed immune system (2 additional cleanings* and 2 applications of fluoride varnish)

 Rheumatoid arthritis (2 additional cleanings*)

  Stroke (2 additional cleanings*)

 Pregnancy (1 additional cleaning* during the time of pregnancy)

* Cleanings can either be a general cleaning (prophylaxis) or a periodontal maintenance cleaning. Periodontal maintenance cleanings are typically covered under the “Endodontics and Periodontics” category, not the “Diagnostic and Preventive Services” category.

Let your dentist know and he/she will note the condition on your claim form. If you have questions regarding this program call customer service at 1-877-841-1478.