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Offered dental insurance through your employer?

Find the information you need to understand dental coverage.

Buying a plan on your own? View our options for individual dental insurance.

Care you can count on

Since 1955, Delta Dental has been a trusted leader in dental benefits, providing generations of satisfied customers with access to quality care. Today, millions of members put their trust in us to do what's right for their oral health.

  • How dental benefits help you

    • Improve oral health and overall health. Your dentist can catch major problems like gum disease and oral cancer. Studies have linked poor oral health to conditions such as diabetes and osteoporosis.
    • Take care of your teeth and gums. You’re more likely to visit the dentist if you have dental insurance.¹
    • Pay less for dental needs. Insurance lets you pay a fraction of the cost you’d have to pay if you weren’t covered.

Learn more about Delta Dental plans and networks

No matter which plan you're enrolled in, you can count on access to preventive services at no or low cost, no claim forms for in-network procedures and care from a provider that meets Delta Dental quality standards.

Delta Dental PPO™ ²
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 network

Visit any dentist?
Yes, but you’ll save the most by visiting an in-network PPO dentist.

Referrals needed for specialists?
No

Annual maximum
Yes

Deductible
Yes

Copayment
No

Coinsurance
Yes

Potential savings
High savings

Learn more about this plan
 Delta Dental PPO
More on Delta Dental PPO
 

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
Large network

Visit any dentist?
Yes, but you’ll save the most by visiting an in-network PPO dentist. If you can't go to a PPO dentist, a Premier dentist will save you some money.

Referrals needed for specialists?
No

Annual maximum
Yes

Deductible
Yes

Copayment
No

Coinsurance
Yes

Potential savings
Medium savings

Learn more about this plan
 Delta Dental PPO and Delta Dental Premier
More on PPO and Premier
 

DeltaCare® USA (HMO)
Dental plan type: DHMO

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

Dentist network size
Samller network

Visit any dentist?
No. You must select a general dentist from the DeltaCare USA network.³

Referrals needed for specialists?
Yes³

Annual maximum
No

Deductible
No

Copayment
Yes

Coinsurance
No

Potential savings
High savings

Learn more about this plan
 DeltaCare USA
More on DeltaCare USA

 

Delta Dental PPO™ ²
Dental plan type: PPO

Delta Dental PPO
Plus Premier™

Dental plan type: PPO

DeltaCare® USA
(HMO)

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 you’ll save the most by visiting an in-network PPO dentist. Yes, but you’ll save the most by visiting an in-network PPO dentist. If you visit a Premier dentist, you’ll still save money. No. You must select a general dentist from the DeltaCare USA network.³
Referrals needed for specialists? No No Yes, except for pediatric dentists³
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
Learn more about this plan  Delta Dental PPO
More on Delta Dental PPO
  Delta Dental PPO and Delta Dental Premier
More on PPO and Premier
 DeltaCare USA
More on DeltaCare USA

Knowledge center

Get more from your coverage

You can get other discounts and benefits to help manage your oral health and budget.

Member perks

All members get member perks that feature discounts on health care products and services. Virtual visits give you expert advice from a Delta Dental dentist.⁵ 

Additional products and benefits

Ask your benefits representative if you have access to these products or features.

  • Already a member?

    Log in or create an online account to access your specific plan information, 
find a dentist and more.

    Already a member?

    Log in or create an online account to access your specific plan information, 
find a dentist and more.

© 2025 Vision Service Plan. All rights reserved.


¹ Delta Dental Plans Association, 2020. The State of America’s Oral Health Report.


² In Texas, Delta Dental Insurance Company provides a dental provider organization (DPO) plan.

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.


⁴ Delta Dental Premier is the largest dentist network nationwide based on total unique dentists, as of September 2023, according to Zelis Network360.



⁵ Virtual dentistry is covered under PPO plans, but a DeltaCare USA member can use it for an out-of-pocket fee.

⁶ SmileWay Wellness Benefits are not included under all plans. Known as SmileWay Enhanced Benefits in Texas.