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Dental insurance

At Delta Dental, we believe in the power of a healthy smile. Our insurance plans are designed to protect your smile and keep you healthy. Whether it’s the ability to seek preventive, routine dental care or make complex dental treatments more affordable, having dental insurance provides you with the ability to achieve better oral and overall health. 

 

 

The value of dental insurance

Dental insurance makes dental care more affordable! With a focus on prevention, dental insurance typically covers professional services like routine check-ups, cleanings and exams at 100%. This helps reduce out-of-pocket costs, so you pay less for the dental care you need.

  • Improved overall health: Research shows good oral health has a positive effect on overall health and well-being. During an oral exam, your dentist can detect signs of 120+ diseases just by examining your mouth!

  • Encourage routine dental care for long term benefit: During preventive check-ups, your dentist is better able to detect problems early on and help you avoid more costly and complex procedures in the future.

  • Cost savings and budget management: Dental insurance helps you save money by covering up to 100% of preventive cleanings and check-ups and portions of more extensive procedures.

  • Coverage for the unexpected: Oral health problems can appear unexpectedly. Dental insurance makes it easier and more cost-effective to get the care you need so you don’t have to worry about the future.

 

 

 

Delta Dental insurance plans

At Delta Dental, we offer a wide variety of affordable dental insurance plan options for individuals, families, and businesses alike. Explore our PPO, Dental HMO, managed, and discount dental plans, and learn about the different types of dental insurance coverage we offer using the chart below.

 

 

Delta Dental PPOTM

Delta Dental PPO is our preferred-provider option program. With Delta Dental PPO you have access to a network of dentists who accept reduced fees for covered services, giving you the lowest out-of-pocket costs.

Compare Plan
For individual or business Both
Dental plan type PPO
Dentist network size dentist dentist dentist
Insurance premium money money money
Annual max Yes
Deductible Yes
Copayment Yes
Potential savings bank bank bank bank

Delta Dental Premier®

Delta Dental Premier is our original fee-for-service plan that offers the largest network of dentists. These dentists have agreed to contracted fees with Delta Dental, so for covered services, you pay no more than your copay and deductible.

Compare Plan
For individual or business Both
Dental plan type Managed fee for service
Dentist network size dentist dentist dentist dentist
Insurance premium money money money money
Annual max Yes
Deductible Yes
Copayment Yes
Potential savings bank

Delta Dental PPO Plus Premier™

Delta Dental PPO Plus Premier combines the Delta Dental PPO and Delta Dental Premier networks, which gives you the benefits of Delta Dental PPO and more. With this plan, even if your Delta Dental Premier dentist is not in the PPO network, you still receive the benefit of that dentist's contracted fee.

Compare Plan
For individual or business Both
Dental plan type PPO
Dentist network size dentist dentist dentist dentist dentist
Insurance premium money money money money money
Annual max Yes
Deductible Yes
Copayment Yes
Potential savings bank bank bank

DeltaCare® USA (HMO)

DeltaCare USA is Delta Dental’s dental HMO, which offers low-cost dental coverage with a focus on preventive care. Enjoy minimal or no copayments for preventive care and choose from a network of dentists to manage your dental needs.

Compare Plan
For individual or business Both
Dental plan type Dental HMO
Dentist network size dentist
Insurance premium money
Annual max No
Deductible No
Copayment Yes
Potential savings bank bank bank bank bank

Delta Dental Patient Direct

Delta Dental Patient Direct is a dental service discount plan. You choose from a panel of participating dentists who charge discounted fees for their services. You pay the discounted fee directly to your dentist at the time of treatment - with no paperwork to file

Compare Plan
For individual or business Both
Dental plan type Discount plan
Dentist network size dentist dentist
Insurance premium money money
Annual max No
Deductible No
Copayment Not applicable
Potential savings bank bank
For individual or business Both Both Both Both Both
Dental plan type PPO Managed fee for service PPO Dental HMO Discount plan
Dentist network size dentist dentist dentist dentist dentist dentist dentist dentist dentist dentist dentist dentist dentist dentist dentist
Insurance premium money money money money money money money money money money money money money money money
Annual max Yes Yes Yes No No
Deductible Yes Yes Yes No No
Copayment Yes Yes Yes Yes Not applicable
Potential savings bank bank bank bank bank bank bank bank bank bank bank bank bank bank bank
Choose up to 3 plans to compare
Compare selected plans (X)
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Delta Dental PPOTM

Delta Dental Premier®

Delta Dental PPO Plus Premier™

DeltaCare® USA (HMO)

Delta Dental Patient Direct

For individual or business Both Both Both Both Both
Dental plan type PPO Managed fee for service PPO Dental HMO Discount plan
Dentist network size dentist dentist dentist dentist dentist dentist dentist dentist dentist dentist dentist dentist dentist dentist dentist
Insurance premium money money money money money money money money money money money money money money money
Annual max Yes Yes Yes No No
Deductible Yes Yes Yes No No
Copayment Yes Yes Yes Yes Not applicable
Potential savings bank bank bank bank bank bank bank bank bank bank bank bank bank bank bank
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Plans and rates vary by state. Dental benefits are administered by the independent Delta Dental companies.

 

 

DeltaVision®: DeltaVision is a vision plan, that offers pre-negotiated discounts on eye exams, glasses, contact lenses and laser vision correction. DeltaVision may be available separately or as a part of your dental insurance.

 

 

 

 

Delta Dental is right for you

From individuals, families, small businesses, seniors, and retirees - join the 80+ million people who receive dental coverage through Delta Dental.

 

 

Individuals and families

Delta Dental offers unique plans and coverage options to support you and your family’s needs.

Learn more

Small business

Help your employees stay happy and healthy. Find the best dental insurance plan for your small business.

Learn more

Seniors and retirees

Keep your smile healthy with affordable dental insurance plan options as you enter this exciting new chapter of your life.

Learn more

 

 

 

 

 

 

Shop for a plan for you and your family.

Delta Dental companies offer individual and family dental plans in most states. Enter your state to learn more.

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You will be directed to your local Delta Dental website.

Contact us about dental benefits for your company

Enter the state where your company is headquartered or the state where your company's insurance-buying decisions are made.

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You will be directed to the local Delta Dental website of the state you entered.

 

 

 

 

FAQ's

For cosmetic dental procedures like teeth whitening, coverage is usually not provided by employer plans and is rarely provided by any type of dental insurance.

There are many factors to consider when choosing a dental plan, and one size does not fit all. Consider the specific needs of each member of your family and evaluate which plan is financially feasible by looking at things like annual maximums and deductibles along with the type of services that are covered to ensure you will receive the level of care your family requires.

When choosing a dental insurance company, you should focus on researching each company’s history and reputation. You should also look into their network size, plans offered, approach to customer service, and the tools and resources they offer to ensure they fit your needs.

The following are dental terms that are helpful to be familiar with:

- Premium: The monthly, quarterly, or annual amount you pay for dental benefits.

- Deductible: The dollar amount that a member must pay towards covered services before insurance benefits are paid. This can also be referred to as out-of-pocket costs.

- Coinsurance: The percentage of the costs you pay for a dental treatment after you meet your deductible.

- Copay: The fixed dollar amount you pay for a service covered under your dental plan.

 

 

Dental plan resources