Dental plan choices

Family High-Five

Benefits built to protect smiles and budgets

Dental plans with distinction

While each Delta Dental product provides distinct advantages, both Delta Dental PPOTM and DeltaCare® USA offer 1:

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  • Competitive provider fees to help keep rates and out-of-pocket costs low

  • Prevention-focused benefits that support oral and overall health

  • A variety of plan designs to meet your group’s unique objectives

  • Market-leading network access to highly credentialed dentists

  • National products, backed by experienced support teams

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Delta Dental PPO

Premium contribution choices

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Voluntary

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Employer-paid

Funding options:

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ASO (self-insured)2

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Fully-insured

Freedom to choose your dentist

If dentist access is high on the list for your group, Delta Dental PPO might be a great fit. Enrollees save the most when they visit a Delta Dental PPO dentist, but they can visit any 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.3 Learn more about our networks.

How it works

With this type of plan, costs are shared for covered dental services. Delta Dental pays a percentage of the bill and enrollees pay the rest, called coinsurance (plus any deductible and amount over plan maximum).4 It’s that simple. Plus, there are no claim forms to complete for network dentist visits.

Industry’s best net effective discount

What separates Delta Dental PPO from other carriers’ PPO products? More network savings. According to an independent consulting firm, Delta Dental PPO offers the nation’s best net effective discount.5 This means our networks can deliver your group the most value through a combination of network size, utilization and discounts.

Watch the video to see how it works.

DeltaCare USA

Premium contribution choices

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Voluntary

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Employer-paid

Funding options:

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Fully-insured

Predictable dental benefits costs

If your group values predictability and more cost-management, our copay product might be the best choice. Costs for covered services are provided up front, so enrollees can prepare for treatment costs ahead of time. When enrollees visit their selected dentist, they simply pay the predefined copayment.

How it works

Enrollees select a DeltaCare USA dentist, and must visit their selected dentist to receive benefits.6 With a large network of quality dentists close to home, it’s simple for enrollees to find care. Their selected dentist will handle all claim forms and coordinate specialty care. Learn more about our networks.

Competitive dental coverage

While many groups value the transparency and affordable premiums DeltaCare USA offers, these plans offer much more than preventive care. DeltaCare USA plans cover 300+ procedures, including no or low copayments for preventive care. Plus, there are no annual deductibles or maximums to worry about.6

National reach

DeltaCare USA plans offer truly national reach, and are an attractive option for large, multi-state and national businesses who wish to offer a copay plan.1

Dental plan comparison

Delta Dental PPO DeltaCare USA

Payment for services

Coinsurance

Set copayments

Dentist selection

Visit any licensed dentist

Visit selected network dentist

Switching dentists

Any time (no notification needed)

Online or via phone (will become effective the following month)7

Out-of-area/emergency coverage

Visit any licensed dentist across the globe, no service area restrictions

Coverage includes emergency services provision

Specialty care

Visit any licensed dentist

Care provided by a specialist is coordinated through the selected primary care dentist

Interested in a Delta Dental plan? Ask your broker for details.

Don’t have one? Let’s talk.

Mid to large business

Small business

1 Product and plan offerings are subject to program underwriting guidelines 2 ASO (self-insured option) funding is unavailable for small businesses 3 Delta Dental Unique Dentists Penetration Report, 2017 4 Assuming the plan’s deductible is satisfied and the annual maximum has not been reached 5 Dental Actuarial Analytics, 2017 Dental PPO Study, includes all Delta Dental member companies 6 In some states, 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. 7 Changes received by the 21st of the month will be effective the first day of the following month. Enrollees must verify that the dentist is their selected DeltaCare USA primary care dentist before each appointment. In the following states, enrollees can change their dentist any time without contacting Delta Dental: AK, CT, LA, ME, MS, MT, NC, ND, NH, OK, SD, VT, WY.
Check out who we are to see which company offers and administers dental plans in your state.
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