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Individuals and families

A healthy smile can make all the difference. That's why keeping smiles healthy is what we do. Whether enabling you to take care of small dental concerns before they become big problems or making complex dental treatments more affordable, a dental plan from Delta Dental can help you and your family achieve better overall health.

 

 

Why Delta Dental?

You and your loved ones deserve great dental coverage to keep your smiles protected. And with Delta Dental, you get it. Our Individual and Family dental plans provide access to the largest network of dentists nationwide and the helpful customer service you expect.

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    The Nation's largest network: As the Nation’s leading provider of dental insurance, we make it easy to keep your smile healthy with the largest network of dentists nationwide, quick answers, and personalized service. 

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    Exceptional cost savings: Delta Dental negotiates lower fees with dentists so you pay less for the care you need to protect your smile and maintain optimal oral health.  

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    Broad selection of plans: Delta Dental offers a wide range of coverage options designed to meet your individual needs, the needs of your family, and your budget. 

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    Self-service tools: Whether locating an in-network dentist or calculating your treatment costs, Delta Dental offers solutions to help you take control of you and your family’s dental health journey.

 

 

 

 

Individual and family dental insurance plans

At Delta Dental, we offer a wide variety of affordable dental insurance plan options for individuals and families. 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
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
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
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
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
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
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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Delta Dental PPOTM

Delta Dental Premier®

Delta Dental PPO Plus Premier™

DeltaCare® USA (HMO)

Delta Dental Patient Direct

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.

 

 

FAQ's

Dental insurance helps you get the professional care you need to maintain your oral health, including regular teeth cleanings, fluoride and sealant treatments, and other types of preventive and restorative care. Routine brushing and flossing at home is a great place to start, but care from dental professionals is critical to achieving and maintaining a healthy smile and better overall health. 

When shopping for dental insurance there are a number of factors to consider in order to choose the best plan for you and your family. First, evaluate your individual needs and understand your budget. Then, take a look at the different kinds of dental plans available in your area and what’s covered in each plan. You will also want to look at network size and applicable restrictions. 

There are many factors to consider when choosing a dental plan, and one size does not fit all. Consider and try to anticipate the specific coverage 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 that you will receive the level of care your family needs. 

Delta Dental encourages prevention, so generally, services like cleanings, x-rays, and exams are covered from day one. Some services such as fillings, crowns, or bridges may have a waiting period depending on your dental plan. Please review the details of your plan or contact our customer service team for specific information. 

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.

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

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.

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