Word of Mouth

Seeing a dentist in Delta Dental’s network can save your employees money through no-cost exams and reduced rates on procedures. As a benefits administrator, you’re in a great position to let them know why staying in network is an added bonus to their dental coverage.

The advantages of networks

When dentists agree to join Delta Dental’s PPO networks, they become members of our nationwide network of providers — the largest in the nation.¹ They also agree to discounted, capped fees, saving members up to 40%.²

With Delta Dental PPO™ and Delta Dental PPO Plus Premier™ plans, members can see any dentist they want, but they’ll save the most money by visiting a dentist in our network. And with three out of every four dentists in the U.S. in our network,³ chances are their dentist is already a Delta Dental dentist.

With DeltaCare® USA, a DHMO-type plan, members must see a dentist in the DeltaCare USA network. At the time of service, they pay only the copayments listed in their plan documents for services received, making dental care more predictable and affordable.

All plans cover emergency out-of-network care for stabilization or palliative relief.

Out-of-network providers have no contracted rates with Delta Dental; members will pay for the full cost of dental services upfront and be reimbursed only up to their plan’s limits. They’re responsible for any balance between the plan's limits and the provider's regular fees.
 

In-network vs. out-of-network: Delta Dental PPO and PPO Plus Premier

Network providers for vision plans

Groups can add DeltaVision® to a Delta Dental plan. We’ve partnered with VSP®’s large nationwide network of vision providers so your employees have many choices when it comes to eye doctors.

Employees with DeltaVision also benefit from in-network care, getting low out-of-pocket costs, a wide selection of frames and exclusive savings on the widest selection of lens enhancements. A VSP network doctor will help keep your employees’ eyes healthy with a WellVision Exam® — an annual eye exam that aids in early detection of health conditions.

Members who go out of network may be missing out on the value of their benefits. They may end up paying more out of pocket. If they stay in network, they can unlock savings with a higher frame allowance and additional savings.

They may also risk spending more money on eyewear if they need to replace their new eyewear purchase. If members purchase their eyewear out of network, they may be able to submit a claim for partial reimbursement at vsp.com.

Check with your broker to see if you can provide DeltaVision for your business.
 

Find in-network providers

Members can use our Find a dentist tool to choose a provider in their area. They can search by location or dentist or office name and get results showing address, phone number, ratings and reviews.

PPO members also have access to the Cost Estimator tool from the member portal. They can access a more limited version of the Cost Estimator through the Delta Dental mobile app, which features in- and out-of-network fees.

DeltaVision members can use VSP’s Find an eye doctor tool to search by location, doctor or office name.
 

Out-of-network claims

If a member recently visited an out-of-network dentist, they’ll likely have to submit a claim. Claim forms are available when they log in to the member portal. Creating an account is easy.

For DeltaVision, members can submit an out-of-network claim through VSP’s member portal at vsp.com.

Staying in network means more savings

Encourage your employees to stay in Delta Dental’s network to save money and get quality care. Download the following flyers and share them:
 

• In-network vs. out-of-network benefits (dental)
• Savings you can see (vision)

 
¹ Unique Dentists Network Penetration Report, September 2025.

² We negotiate rates with in-network providers that can save members up to 40% on covered PPO plan procedures. Savings estimate is evaluated according to Delta Dental's National Provider File average procedure fees in August 2023.

³ Network360 Unique Dentists Report, September 2025

Delta Dental PPO and Delta Dental Premier are underwritten by Delta Dental Insurance Company in AL, DC, FL, GA, LA, MS, MT, NV, TX 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 TX, Delta Dental PPO 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.

In California, DeltaVision is underwritten by Delta Dental of California. In Alabama, Delaware, District of Columbia, Florida, Georgia, Louisiana, Maryland, Mississippi, Montana, Nevada, New York, Pennsylvania, Texas, Utah and West Virginia, DeltaVision is underwritten by Delta Dental Insurance Company. DeltaVision is administered by Vision Service Plan (VSP). DeltaVision is not available through the Small Business Program in Mississippi.

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