Delta Dental of California, Delta Dental Insurance Company, Delta Dental of Pennsylvania and affiliates
Delta Dental of California, Delta Dental Insurance Company, Delta Dental of Pennsylvania and affiliates
Delta Dental Insurance - Delta Dental Compare Plans
What’s important to you is important to us
Delta Dental’s plans prioritize preventive care, helping to keep health care costs low. Compare dental plan options to find the perfect fit for your team.
Delta Dental PPO™
Freedom to choose
If dentist access is a high priority, Delta Dental PPO might be a great fit. Enrollees will likely save the most when they visit a Delta Dental PPO dentist, but they can visit any licensed dentist of their choice. And, with nearly 80% of practicing dentists in our networks, there’s a good chance they’re already visiting a network provider.¹
Industry’s best effective discount
What separates Delta Dental PPO from other carriers of dental PPO products? More network savings. According to an independent consulting firm, Delta Dental PPO offers the nation’s best effective discount.² This means our networks can deliver the most value through a combination of network size, utilization and discounts.
DeltaCare® USA
Predictable dental benefits costs
DeltaCare USA plans offer straightforward, comprehensive coverage for members that’s easy to administer. Delta Dental sales representatives can help you find and implement a plan that fits your company, with ongoing support from dedicated Delta Dental teams.
Competitive dental coverage
While many value the transparency and affordable premiums DeltaCare USA offers, these DHMO-type plans offer much more than preventive care. DeltaCare USA plans cover 350+ procedures, including cleanings and exams at low or no cost. Plus, there are no annual deductibles, waiting periods or maximums to worry about.³
Compare dental plans
Dental plans that meet your needs. We’re here to help you choose the best fit and get started. Here’s a quick overview to help you compare dental insurance plans:
Delta Dental PPO™⁴
Best if dentist access is a high priority.
This preferred provider plan offers the convenience and flexibility of visiting any licensed dentist. Covered services are paid based on a percentage — if, for example, fillings are covered at 80%, enrollees pay the remaining 20%. Get the most plan value by choosing a Delta Dental PPO dentist. PPO network dentists complete claim forms for enrollees and can help advise you on questions regarding enrollees' share of the payment.
DeltaCare® USA
Best if cost management and predictability are priorities.
Your employees will benefit from DeltaCare USA’s simplicity — no waiting periods, no paperwork, no claims and no surprises, with easy, preset copayments.
Members simply select a DeltaCare USA general dentist, who will coordinate any needed referrals to a specialist.⁵ Most DeltaCare USA dentists also participate in Delta Dental PPO’s network, so members have access to the same great service with a plan that fits their budget.
Delta Dental PPO™ |
DeltaCare® USA |
|
|---|---|---|
| Payment for Services | Coinsurance | Set copayments |
| Dentist selection | Visit any licensed dentist, but save with in-network dentist | Must visit a DeltaCare USA in-network general dentist |
| Switching dentists | Any time (no notification needed) | Anytime online or by phone⁷ |
| Specialty care | Visit any licensed dentist | When specialty dental care is needed, the selected general dentist refers members to a trusted specialist in the network. |
| Waiting period? | Yes | No |
Want to learn more?
Why Delta Dental?
Choosing the right dental insurance provider is more than just checking a box. At Delta Dental, we know how important it is to find a partner who cares about your team as much as you do. Here’s what makes Delta Dental a favorite among businesses across the nation:
Award-winning service
Experience our award-winning service for yourself! We’re here to ensure you and your employees get the support you need, whenever you need it.
Large network size
Delta Dental is able to offer savings even to those enrollees who choose to visit a non-PPO dentist — a key benefit of our exclusive Delta Dental Premier® network, the largest nationwide with thousands of participating dentists.⁸
Competitive products
We’ve got a plan for every small business out there. Our products are designed to keep everyone covered and smiling — without breaking the bank.
Ultimate flexibility
We know one size doesn’t fit all, especially when it comes to your employees. Our plans are designed to be flexible, ensuring you find the perfect fit for your team and your budget.
Reasonable rates
At Delta Dental, we believe quality dental care should be accessible. Our plans are priced to provide excellent value so you can offer your team the benefits they deserve.
Choosing Delta Dental means partnering with a provider that understands the importance of a healthy, happy smile. Compare dental insurance and find the perfect plan for your team today!
Need more support?
Contact us for any questions or help.
producerservices@delta.org
866-760-4080
8 a.m. - 7 p.m. ET M - F
FAQs
Absolutely! We understand that you and your team are busy. That’s why we offer convenience and comprehensive care all in one with DeltaVision. Bundle top-notch dental and vision coverage, making benefits administration a breeze while ensuring your employees get the care they deserve.
Offering employer-sponsored dental insurance isn't just a perk — it's a powerful tool in helping you maintain the health and satisfaction of your workforce. Here’s why it's a win-win:
Boosts Employee Morale – Offering dental insurance can make your team feel appreciated and supported, leading to healthier, happier teams.
Promotes Preventative Care – Regular dental check-ups can prevent serious health issues and support good oral health, saving on dental healthcare costs and reducing sick days.
Attracts and Retains Top Talent – Stand out from the competition by offering a benefits package that includes dental coverage. It's a great way to attract and retain the best in the biz.
Your people are your most valuable asset, so why not invest in them? Compare dental insurance with Delta Dental to find the perfect plan for your team.
If you’ve already started to compare dental insurance’s different benefits and offerings, chances are you’ve realized that it’s not an easy choice. Choosing the best dental insurance plan comes down to understanding your team's needs and balancing coverage with cost. When browsing dental insurance plans, compare your options by asking yourself:
What type of dental services do my employees need?
Does my team need basic coverage, or could they benefit from more comprehensive plans?
What’s my budget? How much am I willing to spend?
Will my employees need a larger network?
Does the plan allow for out-of-network providers?
What are the plan's details around waiting periods, deductibles, annual maximums, and coverage percentages for various dental procedures?
Delta Dental plans are designed to offer flexibility and choice. Whether your team members have a long-term dentist they love or they’re ready to start with a new dental provider, they'll have the freedom to choose from an extensive network of dental professionals.
Individual Plan disclosures:
Delta Dental PPO plans are underwritten by Delta Dental Insurance Company in AL, DC (Policy- IENT-P-CORE-DC-REV2018), FL, GA, LA, MS, MT, NV and UT and by not-for-profit dental service companies in these states: CA – Delta Dental of California; PA, MD – Delta Dental of Pennsylvania; NY – Delta Dental of New York, Inc.; DE – Delta Dental of Delaware, Inc.; WV – Delta Dental of West Virginia, Inc. In Texas, Delta Dental Insurance Company provides a dental provider organization (DPO) plan.
DeltaCare USA plans are underwritten in these states by these entities: CA — Delta Dental of California; DC (Policy- I-P-DC-dc) and FL — Delta Dental Insurance Company; MD and TX — Alpha Dental Programs, Inc.; UT — Alpha Dental of Utah, Inc.; NY — Delta Dental of New York, Inc.; NV — Alpha Dental of Nevada, Inc.; PA — Delta Dental of Pennsylvania. Delta Dental Insurance Company acts as the DeltaCare USA administrator in all these states. These companies are financially responsible for their own products.
In Florida, Delta Dental Insurance Company provides DeltaCare USA Plan benefits as a Prepaid Limited Health Service Organization as described in Chapter 636 of the Florida Statutes.
Individual PPO plans have flexible enrollment. Here is an example of the effective dates based on plans: When does coverage become effective? DeltaCare® USA Plans purchased by the 21st of the month will become effective on the first date of the following month.
- E.g., a plan purchased on June 17 would become effective on July 1. Plans purchased after the 21st will not be effective until the month after that.
- E.g., a plan purchased on July 25 would not be effective until September 1. Delta Dental PPO™ plan purchasers have flexible enrollment options. Plans purchased from the first through the 14th of the month have effective date options of: the 15th of the current month, the first of the next month, the 15th of the next month or the first of the month after next.
- E.g., a plan purchased on July 3 can be effective July 15, August 1, August 15 or September 1. Plans purchased on or after the 15th of the month have effective date options of: the first of the next month, the 15th of the next month, the first of the month after next or the 15th of the month after next.
- E.g., a plan purchased on July 15 can be effective August 1.
Group Plan Disclosures:
Delta Dental PPO™ is underwritten by Delta Dental Insurance Company in AL, DC, FL, GA, LA, MS, MT, NV and UT and by not-for-profit dental service companies in these states: CA – Delta Dental of California; PA, MD – Delta Dental of Pennsylvania; NY – Delta Dental of New York, Inc.; DE – Delta Dental of Delaware, Inc.; WV – Delta Dental of West Virginia, Inc. In Texas, Delta Dental Insurance Company provides a dental provider organization (DPO) plan.
DeltaCare USA is underwritten in these states by these entities: AL — Alpha Dental of Alabama, Inc.; AZ — Alpha Dental of Arizona, Inc.; CA — Delta Dental of California; AR, CO, IA, MA, ME, MI, MN, NC, ND, NE, NH, OK, OR, RI, SC, SD, VA, VT, WA, WI, WY — Dentegra Insurance Company; AK, CT, DC, DE, FL, GA, KS, LA, MS, MT, TN, WV — Delta Dental Insurance Company; HI, ID, IL, IN, KY, MD, MO, NJ, OH, TX — Alpha Dental Programs, Inc.; NV — Alpha Dental of Nevada, Inc.; UT — Alpha Dental of Utah, Inc.; NM — Alpha Dental of New Mexico, Inc.; NY — Delta Dental of New York, Inc.; PA — Delta Dental of Pennsylvania. Delta Dental Insurance Company acts as the DeltaCare USA administrator in all these states. These companies are financially responsible for their own products.
- Delta Dental Unique Dentists Penetration Report, 2019
- Dental Actuarial Analytics, 2017 Dental PPO Study, includes all Delta Dental member companies
- In AK, CT, LA, ME, MS, MT, ND, NC, NH, OK, SD, VT and WY, DeltaCare USA is offered as an open access plan where enrollees can obtain treatment from any licensed dentist; however, deductibles and maximums may be applied for services provided by an out-of-network dentist.
- In Texas, Delta Dental Insurance Company provides a dental provider organization (DPO) plan.
- In WY, you do not need to select a general dentist, but you must visit a network dentist to receive benefits. In the following states, you can maximize your savings when you visit a network dentist, although you may visit any licensed dentist and receive out-of-network coverage: AK, CT, LA, ME, MS, MT, NC, ND, NH, OK, SD, VT. Refer to your plan booklet for details about your out-of-network benefits.
- Limitations and exclusions apply. Refer to your plan booklet for more information about covered services, deductibles and maximums.
- Changes received between the first and 15th of the month are effective immediately. Changes received on the 16th through the end of the month will be effective on the first of the next month.