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
Delta
Dental of South Dakota
Group
#2160
Construction Industry Center
Summary of
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.