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Delta Dental DeltaCare® USA

Office of the Comptroller of the Currency

DeltaCare® USA Plan

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All about your plan

Your prepaid, fixed copayment dental plan is similar to a health maintenance organization (HMO) plan. The plan focuses on oral health and preventive care. Preventive care — like routine cleanings and exams — is covered at little or no cost.

You have comprehensive coverage with no waiting periods, annual maximum or deductible, and there are no claim forms to fill out.

Plan ahead and stick to your budget

Get your costs upfront. You’ll have a list of copayments for every covered procedure, so you’ll know all your costs, for preventive, basic and major services.

Choose your primary care dentist

Select a skilled primary care dentist from the DeltaCare USA network.¹ Your primary care dentist will provide most of your treatment and coordinate any necessary specialist referrals.²

You can change your DeltaCare USA dentist at any time.³ (Changes requested between the first and 15th of the month are effective immediately; changes received on or after the 16th of the month will be effective on the first of the next month.) You and your covered dependents are not required to select the same network dentist.⁴

Review your benefits

View a brief summary of your dental benefit plan to learn more about your coverage.

 Dental program guide (PDF, 885KB)
 Continuous orthodontic coverage form (PDF, 357KB)


Current employees are eligible for the DHMO plan and must see their Human Resources benefits administrator to enroll.

Retired OCC employees who were participating in the program as an active employee are provided a one-time opportunity to elect the PPO option. Retirees can view premium rates and manage their enrollment here.

Not sure what plan to choose?

  1. In WY, you do not need to select a primary care dentist, but you must visit a DeltaCare USA dentist to receive benefits. In the following states, you can maximize your savings when you visit a DeltaCare USA 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.
  2. Most services not performed by your primary care dentist must be authorized by Delta Dental. In some states, specialty care benefits are only available for services performed by a DeltaCare USA specialist. Refer to your plan booklet for more information.
  3. In the following states, you can change your dentist any time without contacting Delta Dental: AK, CT, LA, ME, MS, MT, NC, ND, NH, OK, SD, VT, WY.
  4. In some states, you cannot select more than three primary care dentist facilities per family.