The health insurance plan available to SPOC-covered employees is Alliance Select. The State-sponsored health insurance plan is provided by Wellmark Blue Cross and Blue Shield.
Alliance Select offers access to a large selection of doctors and hospitals in Iowa and nationwide. You may seek health care from any provider located in the United States. In Iowa, in-network care can be received at 100 percent of hospitals and 99 percent of doctors. Outside of the state, you'll have access to 96 percent of hospitals and 93 percent of doctors. Keep in mind with this option you can see any provider you choose, but you will have lower out-of-pocket expenses if you choose a network provider.
Health Insurance Premiums
SPOC-covered employees share in the cost of health insurance by paying 20% of the total health insurance premium. By participating in the Healthy Opportunities Wellness Program, a SPOC-covered employees can reduce the amount of their health insurance premium contribution by $75.00 per month in 2019.
Health Insurance Resources
Health Insurance Notices
|Alliance Select Summary||Health Insurance Marketplace Notice|
|2019 Summary of Benefits and Coverage (SBC) (with wellness)||HIPAA Privacy Practice Notice|
|2019 Summary of Benefits and Coverage (SBC) (without wellness)||“Michelle's Law” Notice|
|2019 Alliance Select Benefit Booklet||Women's Health and Cancer Rights Act|
Health Insurance Information
|ACA Preventive Services List|
|Wellmark: Drug List (Formulary: Blue Rx Completesm)|
|Wellmark: Find a Doctor or Hospital|
|Understanding your health insurance benefits|
|Comparing the Cost of Care|
|Explanation of Benefits: If it’s not a bill, then what is it?|
|Understand Your Out-Of-Pocket Costs|
|Wellmark's Find a Provider|
|Understanding Jargon: Copay (Wellmark YouTube video)|
|Understanding Jargon: Coinsurance (Wellmark YouTube video)|
|Understanding Jargon: Deductible (Wellmark YouTube video)|
|Understanding Jargon: OPM (Wellmark YouTube video)|
For more information about health insurance, please contact Wellmark customer service at 800-622-0043.
Your dental health is as important as your medical health. The State of Iowa offers SPOC-covered employees and their dependents comprehensive preventive services and coverage for most conditions requiring dental diagnosis and treatment, including orthodontic treatment for children.
Dental services are provided by Delta Dental of Iowa. You may receive services from any dentist but there are advantages in receiving services from a dentist who participate with Delta Dental of Iowa or any other Delta Dental Member Company.
Dental Insurance Premiums
Dental Insurance Resources
Vision Care Discount Program
In addition to dental benefits, your dental insurance also includes access to a vision discount program through EyeMed Vision Care at no additional cost. You and your family members who are enrolled in Delta Dental of Iowa are eligible to receive the discounts.
Using Your EyeMed Discount Program
You can locate an EyeMed provider by calling 866-246-9041 or go to Delta Dental’s EyeMed Locate a Provider.
When scheduling your appointment, inform the office that you are a Delta Dental member with an EyeMed discount plan. Once you arrive, present your Delta Dental ID card or a discount card to receive discount services.
For more information about health insurance, please contact Delta Dental's customer service at 800-544-0718.