Word of Mouth

You know that dental benefits are important for your employees’ oral and overall health. However, for employees transitioning into retirement, or for those in part-time, seasonal, contract or furloughed roles, finding dental coverage on their own can be challenging.

To help, Delta Dental offers a variety of resources to explain the individual and family dental coverage options available to employees who leave the company or are ineligible for a group plan.

Individual plans offer employees flexibility and convenience:
 

• Options for coverage levels: With many options available, employees and retirees can choose the coverage and cost that's right for them and their families.
• Purchase any time: No need to wait for open enrollment — many individual plans are available to buy any time, such as Delta Dental's individual and family plans or plan options exclusively for AARP members.
   

Employees should be aware that individual plans differ from group plans in several ways:
 

• Direct pay. Employees will pay premiums directly to Delta Dental.
• Waiting periods. An individual plan may have waiting periods for certain services.
• Benefits: Individual plans may have coverage levels that differ from their previous employer plan. Employees should review benefit details carefully to select the right plan for their needs.
   

Here’s what’s available:
 

Individual plans

• Individual and Family plans. Employees can choose coverage that suits their needs and purchase directly from Delta Dental online or by phone. Plans are offered in AL, CA, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, TX, UT, WV and DC.
• Plans designed for AARP members. AARP members have exclusive plan offerings to choose from. Anyone can become an AARP member at the time of enrollment. Plans are offered nationwide, including Washington D.C., the U.S. Virgin Islands and Puerto Rico.
   

Other options

These dental coverage options have specific enrollment timelines and eligibility requirements. They may not be available to all your employees.
 

• Health Care Exchange plans. Delta Dental offers plans through the Health Insurance Marketplace, also known as the Health Care Exchange.
• Medicare Advantage plans. While original Medicare doesn't cover most dental care, employees or retirees that are eligible can purchase a Medicare Advantage or Medicare Supplement (Medigap) plan that includes dental coverage.
• COBRA. The Consolidated Omnibus Budget Reconciliation Act, or COBRA, is a federal law that allows continuation of an existing dental plan post-employment.

Contact us

Connect with your Delta Dental representative to learn more about the resources we have to help your team smile on with Delta Dental through all life's transitions.

Must be an AARP member to enroll in the AARP Dental Insurance Plan. Plans purchased as individual coverage are considered new coverage and not a continuation of any plan you may currently have. Please see the plan policy for a complete description of plan benefits, limitations and exclusions.

You may view the Delta Dental of West Virginia Network Access Plan, as required by the Health Benefit Plan Network Access and Adequacy Act, online at deltadentalins.com. You may also contact us by calling 800-932-0783 to request a copy.

https://www.deltadentalins.com/find-a-dentist

AARP endorses the AARP Dental Insurance Plan, administered by Delta Dental Insurance Company. Delta Dental Insurance Company pays royalty fees to AARP for use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. 

The AARP Dental Insurance Plan is insured by Delta Dental Insurance Company, or insured by Dentegra Insurance Company, or insured by Dentegra Insurance Company of New England (Contract 1230), or affiliated companies and administered by Delta Dental Insurance Company. For Idaho residents, your Certificate of Coverage Form Number is COC-DIC-ID-AARP-24.

You may view the DDIC Network Access Plan, as required by the Health Benefit Plan Network Access and Adequacy Act, online at deltadentalins.com. You may also contact us by calling 800-422-4234 to request a copy.

You may view the DeltaCare USA Network Access Plan, as required by the Health Benefit Plan Network Access and Adequacy Act, online at deltadentalins.com. You may also contact us by calling 800-422-4234 to request a copy.

The plans are administered by Delta Dental Insurance Company. These companies are financially responsible for their own products. Delta Dental is a registered mark of Delta Dental Plans Association.

In VA, this is an excepted benefits policy. It provides coverage only for the limited benefits or services specified in the policy.