Insider Update

The 2025 annual rate and benefit changes for your Individual & Family clients take effect August 1.

Remind your clients that rate renewals happen each year, and ensure them that they’ll continue to have competitive coverage they can afford from a network of dentists they can trust. And a dedicated broker in their corner.
 

Here’s what’s changing

This is what your clients can expect on or after Aug. 1, 2025:

Rate increase

• Rates are increasing for PPO plans (Basic and Premium) and will apply to new and renewing members.
  • Average Basic plan increase is less than $2.50/month.
  • Average Premium plan increase is less than $5.00/month.

Missing tooth clause

• A missing tooth exclusion will be added to new and renewing PPO Premium plans (except in California). Tell your clients they can check their policy documents for more information.

Here’s what’s not changing

PPO rates for anyone currently in a 12-month contract. They will have the new rate at their next renewal.

Other notable features that will remain the same:

• DeltaCare® USA rates or benefits
• PPO Basic plan benefits

Answers to your questions

Does this rate change for PPO impact plans I have already sold?
These rate changes do not impact any plans you have sold before the Aug. 1, 2025 effective date until their next renewal after Aug. 1, 2025.

When will shoppers see this change in the shopping experience?
Shoppers choosing an effective date of Aug. 1, 2025, or later, have been able to see the rates since May 1, 2025.

Where can I see the current rates?
You can find state-specific rates on your broker resources page in the broker booklets in the drop-down menu.

Will existing plans be affected?
Please note that this rate increase will not affect any existing plans until their renewal date, and it will not apply to any enrollments made prior to August 1. Those enrollments will also remain unchanged until their respective renewal dates.​