Member FAQ

Using your dental insurance

Where can I get my Member ID card?

Many Delta Dental companies offer printable ID cards on their websites, through the Delta Dental mobile app or by mail. In most cases, you do not need an ID card to visit the dentist. Connect with your Delta Dental to find out more. 

What kind of plan do I have and what are my benefits?

Sign in to your member account to find out what plan you have and the services it covers. You can verify benefits, track claims and more. If you don't have an account, create one today.

How do I check to see if I have met my deductible and/or what is remaining on my annual maximum?

Sign in to your member account to access information about your plan. If you don't have an account, create one today.

How can I find a Delta Dental network dentist in my area?

Check out our Find a Dentist tool to search for dentists in your area. You'll need to know which network(s) your plan includes. You can find out which plan you have by signing in or registering for an account.

You can also search by dentist or practice name, specialty, languages spoken, gender, office hours and which dentists are accepting new patients.

Do I need to select a primary care dentist?

If you have coverage through DeltaCare® USA, our dental health maintenance organization (DHMO) plan, you will need to choose a primary care dentist (general dentist) from our DeltaCare® USA network. Use our Find a Dentist tool to find a DeltaCare® USA dentist near you.

Is my dentist in Delta Dental’s networks?

Three out of every four dentists participate in Delta Dental’s networks, so it's likely that your dentist is in one of ours.  

Use our Find a Dentist tool to help you find out if your dentist is part of our networks. You'll also want to check your insurance to see which networks you have access to. In most cases, you can continue to visit your dentist even if he or she isn't in our network, but you'll save more money if you choose an in-network dentist. If you don’t know which networks you have access to, you can find out by signing in or registering for an account.

What are the benefits of visiting a Delta Dental network dentist?

When you visit a network dentist, you'll enjoy the following benefits:

  • Lower out-of-pocket costs than if you received care from an out-of-network dentist because our network dentists have agreed to accept reduced fees.
  • Balance billing is not allowed. Our network dentists agree to accept Delta Dental's fee and the patient co-payment or deductible (if applicable) as full payment.*
  • There are no forms for you to fill out because our network dentists submit claims directly to Delta Dental.
  • We pay the dentist directly, so you don't have to wait for a reimbursement check.
  • You can have confidence in our ongoing relationships with our network dentists, who we’ve ensured meet national credentialing standards.

*If you have reached the annual dollar maximum or a frequency limitation for a given procedure covered by your policy, then you will be responsible for the charges.

Can I visit an out-of-network dentist?

It depends on your plan. Most of our plans allow you to visit any dentist you choose, while some require you to visit a network dentist in order to receive benefits. It’s important to remember that even for plans that do allow members to visit out-of-network dentists, out-of-pocket costs may be higher. Members receive the greatest value when they visit an in-network dentist.

Can my dentist join the network?

We would be happy to talk with your dentist about the benefits of joining Delta Dental's network. Please encourage him or her to contact us.

What happens when my dentist refers me to a specialist?

Check your insurance information to determine if your plan requires pre-authorization to visit a specialist.

With most Delta Dental plans, you can see a specialist with no prior approval, and we have a number of specialists in our extensive national networks. On our nationwide dentist search, you have the option to search in your area for a specialist who participates in our networks, including oral surgeons, pediatric dentists and orthodontists.

What happens if I visit an out-of-state dentist?

Our networks are nationwide and most of our dental plans allow you to visit a dentist anywhere within the 50 states, Washington, D.C. and Puerto Rico and receive the same benefits you would receive at home.

Can I receive dental treatment when I am out of the country?

Some Delta Dental products offer coverage for dental care received outside of the U.S. Inquire with your Delta Dental or your benefits administrator to find out if your plan offers this coverage.

Does Delta Dental require claim forms? Where should claims be sent?

Most dentists will submit claim forms on your behalf. If you do need to submit a claim yourself, we have forms available for download. Please sign in to your member account to access claims forms.

I'm covered under more than one dental plan. How does my coverage work?

Typically, one of the dental plans will be considered your primary plan. This plan will pay toward your dental care first. Any additional plans that you are covered under will pay toward whatever portion is remaining. Your plan information will have a coordination of benefits provision that explains how it is handled. The plans cannot pay more than 100 percent of the cost of your treatment.

Who do I contact with questions about my benefits or claims?

Your Delta Dental is best equipped to help you with specific questions about your benefits and claims. To find out which Delta Dental you should contact, check your ID card or sign into your member account. 

If you do not have a member login, you need to determine which Delta Dental handles your insurance.

  • If you are a group member, your Delta Dental company is most likely located in the state where your company is headquartered.
  • If you are an individual member,  your Delta Dental company serves the state where you live.

Once you've determined which Delta Dental your insurance is offered by, use our Delta Dental locator to find contact information.

Products and services

Does Delta Dental sell individual dental insurance?

The Delta Dental companies offer individual dental plans in most states. Find available plans in your area by using our Find my Delta Dental tool.

What types of dental insurance plans does Delta Dental offer?

The Delta Dental companies have a variety of dental insurance plans designed for groups and individuals to meet their dental health needs. For plan information, visit our individual dental insurance page. Availability varies from state to state, so check with your Delta Dental to see what is available in your area.

Does Delta Dental offer vision insurance?

DeltaVision® is available in some states. Learn more and find out where it's available on our individual dental insurance page. In addition, many of our dental plans also include discounts on vision services. Check with your Delta Dental to see what is available in your area.


How do I register for an account on

It's easy. Using our online registration, you'll need to provide your:

  • Name
  • Member ID
  • Date of birth
  • ZIP code

Once you've registered, you'll have access to your benefits and eligibility information and claims status for yourself and, in most cases, any dependents on your plan.

For most Delta Dental companies, once you are signed in at, you can visit their site for additional services without having to sign in or create a separate account.

I forgot my username/password

If you forget your username or password, use the links in the sign-in box to retrieve it. You'll need to know your Member ID.

Which website should I use? is a great place to search for a dentist, check your benefits and eligibility and view claims. Your Delta Dental may offer additional information and tools on its website. We recommend you visit it to get the most information available about your insurance.

In many cases, you can sign in at and will be automatically signed into your Delta Dental's website without having to sign in a second time.

I switched jobs, but I still have Delta Dental. Can I use the same account information to sign into

If you switched jobs and you are with a different Delta Dental company, you'll need to create a new online account.  

My employer switched our dental insurance to a different Delta Dental company. Can I use the same account information to sign in at

You'll need to create a new online account.