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Delta Dental Insurance - Delta Dental Compare Plans

Compare dental insurance for your team

We’re here to help you find the best option for your business and your employees.

Here’s how to pick

Picking a plan comes down to balancing your budget and what’s best for your team. Think about the impact of network strength, out-of-pocket costs and the type of dental services your employees need.

Compare dental plan options

Count on our dental plan options to have a quality network of credentialed dentists with low to no-cost preventive care for your employees.

Delta Dental PPO™

Dental plan type: PPO

Overview

Provides access to a network of dentists who accept negotiated fees, allowing for low out-of-pocket costs

Dentist network size

Medium-sized networkMedium-sized networkMedium-sized network

Visit any dentist?

Yes, but members save the most by visiting an in-network PPO dentist. If they can't go to a PPO dentist, a Premier dentist is their next best option.

Referrals needed for specialists?

No

Annual maximum

Yes

Deductible

Yes

Copayment

No

Coinsurance

Yes

Potential savings

High savings

Coverage for child and adult orthodontics

Available

Coverage for implants

Available
 



Delta Dental PPO Plus Premier™

Dental plan type: PPO

Overview

Combines two networks to give you expanded access to dental providers while still getting negotiated fees

Dentist network size

Medium-sized networkMedium-sized networkMedium-sized networkMedium-sized network

Visit any dentist?

Yes, but members save the most by visiting an in-network PPO dentist. If they can't go to a PPO dentist, a Premier dentist is their next best option.

Referrals needed for specialists?

No

Annual maximum

Yes

Deductible

Yes

Copayment

No

Coinsurance

Yes

Potential savings

High savings

Coverage for child and adult orthodontics

Available

Coverage for implants

Available
 



DeltaCare® USA

Dental plan type: DHMO

Overview

Offers coverage for hundreds of procedures with low or no copays on most preventive care services

Dentist network size

Medium-sized networkMedium-sized networkMedium-sized network

Visit any dentist?

No, members must select a general dentist1, 2 from the DeltaCare USA network who will coordinate referrals to specialists when necessary.

Referrals needed for specialists?

Yes, except for pediatric dentists.3

Annual maximum

No

Deductible

No

Copayment

Yes

Coinsurance

No

Potential savings

High savings

Coverage for child and adult orthodontics

Yes, on all standard plans.

Coverage for implants

Yes, on select plans.

 

 

Delta Dental PPO™ 
Dental plan type: PPO

Delta Dental PPO
Plus Premier™

Dental plan type: PPO

DeltaCare® USA
Dental plan type: DHMO

Overview Provides access to a network of dentists who accept negotiated fees, allowing for low out-of-pocket costs Combines two networks to give you expanded access to dental providers while still getting negotiated fees Offers coverage for hundreds of procedures with low or no copays on most preventive care services
Dentist network size Medium-sized network Large network Samller network
Visit any dentist? Yes, but members save the most by visiting an in-network PPO dentist. If they can't go to a PPO dentist, a Premier dentist is their next best option. Yes, but members save the most by visiting an in-network PPO dentist. If they can't go to a PPO dentist, a Premier dentist is their next best option. No, members must select a general dentist¹,²  from the DeltaCare USA network who will coordinate referrals to specialists when necessary.
Referrals needed for specialists? No No Yes, except for pediatric dentists.³
Annual maximum Yes Yes No
Deductible Yes Yes No
Copayment No No Yes
Coinsurance Yes Yes No
Potential savings High savings Medium savings High savings
Coverage for child and adult orthodontics Available Available Yes, on all standard plans.
Coverage for implants Available Available Yes, on select plans. 

Want more flexibility for your team? Consider dual choice, the ideal option for businesses with diverse job roles and office locations. Offer your employees one of the Delta Dental PPO plan types and pair it with DeltaCare USA, so they can choose the option that fits their lifestyle and budget.

Build your benefits

A broker or Delta Dental sales representative can help you navigate the range of plan designs and options for Delta Dental PPO and DeltaCare USA. They are experts in balancing coverage with cost and can recommend options that best fit your business. 

Learn more about what we offer for businesses of all sizes. 

And make sure to ask your broker or Delta Dental sales representative about pairing DeltaVision® coverage with the dental plan you select.

Delta Dental PPO™ is underwritten by Delta Dental Insurance Company in AL, DC, 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 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.

DeltaVision is underwritten by Delta Dental of California in 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.
 

1. In AK, CT, LA, ME, MS, MT, ND, NC, NH, OK, SD, VT and WY, 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.

2. In WY, you do not need to select a general dentist, but you must visit a network dentist to receive benefits. In the following states, you can maximize your savings when you visit a network dentist, although you may visit any licensed dentist and receive out-of-network coverage: AK, CT, LA, ME, MS, MT, NC, ND, NH, OK, SD, VT. Refer to your plan booklet for details about your out-of-network benefits.

3. Children through age 13 do not need a referral to receive care from a pediatric specialist. If you live in AK, CT, LA, ME, MS, MT, NC, ND, NH, OK, SD, VT or WY, you don’t have to choose a general dentist first, and you don’t have to get a referral to see a specialist.

The VSP WV Network Access Plan, as required by the Health Benefit Network Access and Adequacy Act may be accessed online at vsp.com or 1-800-877-7195 to request a copy.

You may view our 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 800-422-4234 to request a copy.

© 2025 Vision Service Plan. VSP is a registered trademark of Vision Service Plan. All other brands or marks are the property of their respective owners.



Delta Dental and DeltaVision are registered trademarks of Delta Dental Plans Association.