Skip to main content

Find peace of mind — reliable dental insurance for California

We’ve got plans to fit your lifestyle, budget, and dental care needs. Discover dependable dental insurance for California residents.

Get coverage you can count on.

Plans that don’t break the bank

Life's full of surprises, but dental care costs shouldn't be. Get low, negotiated rates with individual PPO plans to help limit out-of-pocket costs.

Safeguard more than your smile

Good dental health is essential to your overall well-being.¹ Choose a plan that supports your needs to help maintain your oral health and your quality of life.

Large, trusted dentist network

With three out of four U.S. dentists in our combined networks², you'll likely find a dentist you can trust, whether for routine visits or specialized dental services.

Dental plans that fit your lifestyle

Embracing retirement or navigating the gig economy? We design our plans with individual needs in mind, so you never have to compromise on your oral health.

Which California dental plan is right for you?

Delta Dental PPO™

Individual dental plans in California

  • Visit any licensed dentist
  • Save up to 40% on covered procedures with a Delta Dental PPO dentist³
  • 100% coverage for preventive services⁴
  • Pay only a percentage of the dentist’s fee for covered services

DeltaCare® USA

DHMO dental coverage in California

  • Must select a DeltaCare USA network general dentist
  • Lower costs and no deductibles or annual maximums
  • Immediate coverage for major services
  • Know in advance how much you’ll pay for a procedure

Dental insurance — California plans at a glance⁵

Find a plan that fits your needs.

From preventive care that keeps dental problems at bay to coverage for major procedures, you have the freedom to choose what works for you. Specific plans available may vary by zip code.


Delta Dental PPO
Individual insurance plans

starting at $30.61/mo⁶

DeltaCare USA
Dental HMO

starting at $8.92/mo⁶

  Basic Premium  
Choose any dentist X
Diagnostic and preventive services (cleanings, exams, x-rays) 100% 100% Copayment
Basic services (fillings, tooth removal) % of fee % of fee Copayment
Major services (root canals, crowns, implants, orthodontics) X % of fee Copayment⁷
Teeth whitening X % of fee Copayment
Waiting Periods⁴ 6 months for Basic services 6 months for Basic and Major services None
Maximum plan pays per calendar year $1,000 $2,000 None
Dentist network size Large network size Large network size Small network size

Delta Dental PPO
Individual insurance plans
starting at $29.08/mo⁶

Choose any dentist: 
Basic: ✓
Premium: ✓

Diagnostic and preventive services (cleanings, exams, x-rays):
Basic: 100%
Premium: 100%

Basic services (fillings, tooth removal):
Basic: % of fee
Premium: % of fee

Major services (root canals, crowns, implants, orthodontics):
Basic: X
Premium: % of fee

Teeth whitening:
Basic: X
Premium: % of fee

Waiting Periods⁴:
Basic: 6 months for Basic services
Premium: 6 months for Basic and Major services

Maximum plan pays per calendar year:
Basic: $1,000
Premium: $2,000

Dentist network size:
Basic: Large network size
Premium: Large network size



DeltaCare USA
Dental HMO
starting at $8.92/mo⁶

Choose any dentist: Copayment

Basic services (fillings, tooth removal): X

Diagnostic and preventive services (fillings, tooth removal):  Copayment

Major services (root canals, crowns, implants, orthodontics):  Copayment⁷

Teeth whitening: Copayment

Waiting Periods⁴: None

Maximum plan pays per calendar year:  None

Dentist network size: Small network size

Find your Delta Dental plan in California.

Dental insurance that California trusts

From San Francisco’s bustling streets to the serene seascapes of SoCal, our commitment to quality care shines through.

Reliable coverage

96% of Californians are satisfied with their Delta Dental coverage.⁸

Trusted dentists

99% of members in California feel their in-network dentist is a good match for them.⁸

Member satisfaction

100% of California residents are happy with the quality of care they received.⁸

Connect with a trusted dentist.
Yours may already be in our network!²

Other programs

Explore more options for Delta Dental insurance in California.

AARP member?

Find AARP dental plans available in California.

Looking for a marketplace plan?

Learn more about your Health Care Exchange (Marketplace) choices.

Federal employee, military retiree or Veteran?

See our programs for federal employees, annuitants, and retired military (FEDVIP); and Veterans (VADIP).

Have questions about our California dental insurance plans? We have answers.

PPO plans help you pay for dental care without offering fixed prices. When you see a dentist in your network, the dentist agrees to charge lower prices, and your plan shares some of the cost⁴. Even if you see a dentist who’s out of your network, our plans will still help pay for covered procedures, although you'll likely save less than you would at a Delta Dental dentist.

DHMO-type plans have fixed prices for procedures, known as copays. DHMO-type premiums tend to be lower, but you’ll only enjoy coverage at your chosen DeltaCare® USA dentist⁴.

We offer CA dental insurance plans that cover many procedures, including braces, dentures and cosmetic procedures such as teeth whitening.⁴

However, not all dental insurance plans in California cover all procedures. You may want to shop around for a plan that best suits your current and anticipated needs. Some plans offered by employers may have different benefits than plans available directly from Delta Dental.

For dental insurance in California, anyone can enroll in a Delta Dental individual plan year-round. Plan eligibility requirements vary by state. For eligibility requirements related to your state and plan, refer to the plan Policy and Benefit Details document.

Check out our Find a dentist tool to search for dentists in your area. Select the network for your preferred plan: either Delta Dental PPO or DeltaCare USA. You’ll likely save the most if you choose the Delta Dental PPO network for the Delta Dental PPO plans and the DeltaCare USA network for the DeltaCare USA (DHMO) plan.

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

¹Oral health: a window to your overall health. Mayo Clinic, 2024.

²Delta Dental Plans Association Fact Sheet, 2023 and American Dental Association

³Based upon internal analysis of 2023 national average procedure fees by Delta Dental. Negotiated fees refer to the fees that in-network dentists have agreed to. Negotiated fees are subject to change. Please see policy for a complete description of plan benefits, limitations and exclusions. In California, this applies to covered individuals utilizing an in-network provider (all ages and geographic locations). These rates may not apply to you.

⁴Limitations and exclusions apply. Please see your plan booklet or policy for a complete description of plan benefits, limitations and exclusions

⁵This benefit information is only a summary and not intended or designed to replace or serve as the plan policy. Limitations may apply for some benefits; some services may be excluded from the plan.
⁶Covering a single adult enrollee in CA. PPO plan rates are calculated based on PPO Basic plan premiums. Prices vary by plan type, location, and number of dependents. DeltaCare USA premiums are annual payments only. Price per month is for comparison only. These rates may not apply to you.

⁷DeltaCare USA plans cover implant-related procedures but do not cover the full implant procedure. Please see policy for a complete description of plan benefits, limitations and exclusions.
⁸2023 Delta Dental of California Global Patient Satisfaction Survey Report. A patient satisfaction survey of Delta Dental’s members was conducted during January and July 2023. A total of 3000 surveys were mailed to random samples of members who were selected from all claims paid during Q4 2022 and Q2 2023. With 236 responses received and 27 surveys returned with invalid addresses, the adjusted response rate is 8%.

Delta Dental PPO plans are underwritten by Delta Dental Insurance Company in AL, DC (Policy IENT-P-CORE-DC-R24), 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-24) 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.
Delta Dental is a registered mark of Delta Dental Plans Association.