Delta Dental of California, Delta Dental Insurance Company, Delta Dental of Pennsylvania and affiliates
Delta Dental of California, Delta Dental Insurance Company, Delta Dental of Pennsylvania and affiliates
Delta Dental Insurance for Individuals and Families
Get to know our individual dental plans
- Visit any licensed dentist
- Save the most when you visit a Delta Dental PPO dentist
- 100% coverage for preventive services¹
- Pay only a percentage of the dentist’s fee for covered services
Available in AL, CA, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, TX, UT, WV and DC- 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
Available in CA, FL, MD, NV, NY, PA, TX, UT and DC
Live in a state that isn't listed? See the individual and family dental insurance plans in your state.⁵
AARP member? Learn about exclusive Delta Dental plans for AARP members.
Plans at a glance
Specific benefit information may vary by state.
Delta Dental PPOIndividual insurance plans |
DeltaCare USADHMO-type dental plan |
||
|---|---|---|---|
| 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 | copayment⁸ |
| Teeth whitening | x | % of fee | copayment |
| No waiting period | x | x | ✓ |
| Maximum plan pays per calendar year | $1,000 | $2,000 | none |
| Dentist network size |  |
|
 |
Dental PPO
Individual insurance plans — Basic
Choose any dentist:
✓
Diagnostic and preventive services (cleanings, exams, x-rays)
100%
Basic services (fillings, tooth removal):
% of fee
Major services
(root canals, crowns, implants, orthodontics):
x
Teeth whitening:
x
No waiting period:
x
Maximum plan pays
per calendar year:
$1,000
Dentist network size
Dental PPO
Individual insurance plans — Premium
Choose any dentist:
✓
Diagnostic and preventive services (cleanings, exams, x-rays)
100%
Basic services (fillings, tooth removal):
% of fee
Major services
(root canals, crowns, implants, orthodontics):
% of fee
Teeth whitening:
% of fees
No waiting period:
x
Maximum plan pays
per calendar year:
$2,000
Dentist network size
DeltaCare USA
DHMO-type dental plan
Choose any dentist:
x
Diagnostic and preventive services (cleanings, exams, x-rays)
copayment
Basic services (fillings, tooth removal):
copayment
Major services
(root canals, crowns, implants, orthodontics):
copayment
Teeth whitening:
copayment
No waiting period:
✓
Maximum plan pays
per calendar year:
none
Dentist network size
Ready to get covered?
Get help finding an affordable dental plan that's right for you. Talk to us at 888-706-0413
(available M-F, 8 am - 9 pm, ET).
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Search our network
With three out of four U.S. dentists in our combined networks², you’re likely to find a dentist you can trust. Your favorite dentist may already be a Delta Dental dentist.
West Virginia: Health Benefit Plan Network Access and Adequacy Act³
Delta Dental Plans for AARP Members
Exclusive dental insurance plan offerings made for AARP members and their families nationwide. Not an AARP member? Join while enrolling in a dental plan.
Health Care Exchange (Marketplace)
We believe in increased access to affordable dental insurance. Delta Dental offers individual and family dental plans on state and federal exchanges. Learn more about your Marketplace choices.
Federal Government Programs
Delta Dental is a trusted partner for a variety of Federal Government agencies. Learn more about our plans available to federal employees, annuitants, Veterans, as well as military retirees and their families.
Get peace of mind with Delta Dental
78 million
membersnationwide⁴
152,000
dentistsin our combined networks⁴
Decades
of experiencein protecting member health
dating back to 1955
Our plans give access to member perks like product discounts, services and educational articles.
FAQs
We have answers to common questions to help you find the right plan.
- Enrolling in a plan
- Finding a dentist
- Managing your plan
Enrolling in a plan
Delta Dental PPO individual dental insurance plans are available in AL, CA, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, TX, UT, WV and DC.
DeltaCare USA individual dental insurance plans are available in CA, FL, MD, NV, NY, PA, TX, UT and DC.
Live in a state that isn't listed? See the individual dental insurance plans available to you.⁵
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 cost.
Even if you see a dentist that’s out of your network, Delta Dental will still help pay for covered procedures, although you'll 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 dentist.
Both plan types are designed to be affordable dental insurance plan and DHMO-type plan options that meet a variety of needs and work with your budget.
We offer individual dental plans and dental insurance for family members that cover many procedures, including braces, dentures and cosmetic procedures such as teeth whitening.
However, not all plans 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.
While we don’t offer individual vision insurance, our partnership with VSP® Individual Vision Plans⁶ enables access to comprehensive and affordable vision coverage from VSP.
Learn more about VSP Individual Vision Plans for Florida and New York residents or for all other states.
For basic (e.g., fillings) and major (e.g., root canals, crowns) services, Delta Dental PPO individual plans have a waiting period, which is a time you must be enrolled for specific services to be covered.⁷ However, diagnostic and preventive care services (e.g., exams, x-rays, cleanings) don’t require waiting periods on any plans. DeltaCare USA DHMO-type individual plans don’t have waiting periods.
You can enroll in our dental insurance for individuals year-round, depending on plan availability in your state. For eligibility requirements related to your state and plan, refer to the plan Policy and Benefit Details document.
Delta Dental PPO plans have flexible enrollment options — you can choose from four effective start dates when you purchase your plan. The dates are based on the plan purchase date:
- Plans purchased from the first through the 14th of the month have effective date options of the 15th of the current month, the first of the next month, the 15th of the next month or the first of the month after next. For example, a plan purchased on July 3 can be effective July 15, August 1, August 15 or September 1.
- Plans purchased on or after the 15th of the month have effective date options of the first of the next month, the 15th of the next month, the first of the month after next or the 15th of the month after next. For example, a plan purchased on July 15 can be effective August 1, August 15, September 1 or September 15.
DeltaCare USA plans have a set effective date based on the plan purchase date:
- Plans purchased by the 21st of the month will become effective on the first date of the following month. For example, a plan purchased on June 17 would become effective on July 1.
- Plans purchased after the 21st will not be effective until the month after the next. For example, a plan purchased on July 25 would not be effective until September 1.
Family dental insurance plans are specifically tailored to cover a range of needs, from routine care and cleanings to more extensive procedures like fillings and orthodontia. For busy families, this means the convenience of managing everyone's dental care under one carrier, making it easier to keep track of appointments and treatments. Plus, preventive dental health care helps in catching conditions early and can help protect you from costly medical treatments down the line.
Three out of four U.S. dentists are in our combined networks², making it straightforward to find a dentist your family loves. Our individual dental plans are all about giving you more control and choices for your dental care needs.
Delta Dental offers a range of affordable dental insurance plans designed to meet different needs and budgets. From preventive care to major services, our coverage options help make dental care more accessible and cost-effective.
Plan and dental care costs can vary based on the type of coverage, services covered, and your state. We offer both PPO and DHMO-type options, including affordable dental insurance choices to help you manage costs while getting the coverage you need.
Private dental insurance is offered directly from a company, like Delta Dental, for individuals and families not covered by an employer or via public dental insurance plans like Medicare or Medicaid. Private plans help you manage dental care costs, especially preventive services like check-ups and cleanings, which are often covered in full.
Finding a dentist
- Visit our Find a dentist for shoppers.
- Enter your location.
- For the network, select either Delta Dental PPO or DeltaCare USA, depending on the plan you're interested in.
- On the search results page, refine your search by entering your dentist's name as a keyword, then select Search.
With a Delta Dental PPO individual dental insurance plan or family dental insurance plan, you can keep your current dentist or visit any other licensed dentist. With a DeltaCare USA individual dental insurance plan, you can keep your dentist as long as they’re in the DeltaCare USA network.
If your dentist isn't listed in one of Delta Dental's networks, you can check other plans we offer and their networks. For example, sometimes dentists will be listed in our PPO network but not our DeltaCare USA network. (These are different networks available through different plans.)
If your dentist isn’t in any Delta Dental network, you’ll still get coverage on covered procedures when you visit them with a PPO plan, although you’ll likely save more at a Delta Dental dentist. Staying in network is a required part of your DeltaCare USA plan.
Delta Dental PPO and Delta Dental Premier® are two dentist networks that PPO members can access. Together these networks make up one of the largest dentist networks in the country, ensuring that you have a large pool of dentists to choose from.²
- The Delta Dental PPO network offers the greatest potential for cost savings, since fees are negotiated with PPO providers when they join the network. Most PPO dentists are also in our Premier network.
- The Delta Dental Premier network offers access to more dentists, but you may pay a bit more in out-of-pocket costs. Many Premier dentists are also in our PPO network.
Learn more about choosing a Delta Dental PPO or Delta Dental Premier dentist.
To browse in-network dentists in your area, go to Find a dentist for shoppers, enter your location and select the network for the plan you're interested in: Delta Dental PPO or DeltaCare USA.
If you’re having difficulty finding a dentist near you, you can take a few actions:
- Expand your search radius. You can search up to a 75-mile radius.
- Consider searching for a dentist in other places you frequent. You may find dentists you like near your office or school.
- Ask a local dentist to partner with Delta Dental.
Check your plan’s policy for more information.
Our networks support cost-effective dental care plans for families and individuals. If you have a Delta Dental PPO individual plan, you may save the most on covered services by visiting a dentist from our PPO network. We negotiate rates with in-network providers that can save members up to 40% off dentists’ fees on covered procedures.⁹ However, you can visit any licensed dentist, anywhere.
If you have a DeltaCare USA DHMO-type individual or family plan, you're required to choose a DeltaCare USA network dentist before you can receive dental services or see a specialist.
A non-Delta Dental provider or Delta Dental Premier® dentist can charge up to their full price as their submitted fees. The plan payment will be based on the plan maximums allowed.
Members are responsible for their portion of the co-pay plus the difference between the submitted fees and plan maximums. For details about non-network dentist fees, refer to the plan Policy and Benefit Details document.
Managing your plan
While you don’t need a card to receive services, you can get one by logging in or creating an online account. From there, you can email or print a copy of your membership ID card.
If you purchase an individual Delta Dental plan and choose to receive communications through the mail, you'll receive one paper ID card in the policy holder’s name as part of your welcome package. Additional family members on the account can use the same information from the card.
After you purchase a plan, you can register for a Delta Dental online account. From there, you can email or print a copy of your membership ID card for your dependent. The membership ID card will show only the policy holder’s information.
An ID card is not required to receive services for insured members. If you don't have your ID card with you, your dentist can look you up with other identifying information, such as your name, address and Social Security number.
When you purchase a Delta Dental individual dental plan or family dental plan, you’ll have the option to create an online account during checkout. You can also register for an account 24 hours after you purchase your plan. Visit the Delta Dental online account login page to get started.
Use your Delta Dental online account to manage your plan, review benefit details, find a dentist, check claim status, pay premiums and locate your member ID card.
When you enroll in an individual Delta Dental plan, you can pay your premium directly to Delta Dental. We accept the following payment methods: bank account debit (ACH), credit card and check.
You can also set up autopay with your bank or credit card.
Yes. After you purchase a family dental insurance plan, you can update it to include the most important people in your life. You may have up to 60 days after purchase to add your spouse and dependents up to age 26, to your plan. Refer to the policy for more details.⁷
Yes. After you purchase a plan, you’ll have up to 60 days from the plan effective date to make changes. Note that some changes may affect your plan rate.
For a complete description of plan benefits, limitations and exclusions, refer to the plan Policy and Benefit Details document.
Refer to the plan Policy and Benefit Details document for details about cancellation.
- Limitations and exclusions apply. Refer to the Policy and Benefit Details Documents.
- Delta Dental Plans Association Fact Sheet, 2023 and American Dental Association
- You may view the DeltaCare USA and Delta Dental PPO 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 DDPA Fact Sheet. Member and provider counts listed are inclusive of all Delta Dental member companies nationwide.
- This webpage links to Delta Dental Plans Association, a national network of 39 independent Delta Dental companies that provide dental insurance.
- ®2022 Vision Service Plan. All rights reserved. VSP is a registered trademark, and VSP Individual Vision Plans is a trademark of Vision Service Plan.
- For exceptions related to your state and plan, refer to the plan Policy and Benefit Details document.
- DeltaCare 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.
- We negotiate rates with in-network providers that can save members up to 40% on covered procedures. Savings estimate is evaluated according to Delta Dental's National Provider File average procedure fees in August 2023 and represents the national average procedure fee for all Delta Dental Individual and Family plans (all ages and geographic locations) and reflects plan policies valid through July 31, 2024. Some procedures may have waiting periods that apply before plan coverage takes effect. Please see policy for a complete description of plan benefits, limitations and exclusions.
Delta Dental PPO plans are underwritten by Delta Dental Insurance Company in AL, DC (Policy IENT-P-CORE-DC-R25), 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-25) 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.
Where offered, the AARP® Dental Insurance Plan is insured by Delta Dental Insurance Company in AK, AL, DC, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, PR, TN, TX, UT, VI and WV, by Dentegra Insurance Company in AR, AZ, CA, CO, CT, HI, IA, ID, IL, IN, KS, KY, ME, MI, MN, MO, NC, ND, NE, NH, NJ, NM, OH, OK, OR, RI, SC, SD, VA, VT, WA, WI and WY, and by Dentegra Insurance Company of New England in MA. For Texas residents, your Master Policy Form number is TX-AMD-MC-DPO-D-DC(DELTAUSA1-2005). For Idaho residents, your Certificate of Coverage Form Number is COC-DIC-ID-AARP-24.
AARP endorses the AARP Dental Insurance Plan, administered by Delta Dental Insurance Company. Delta Dental Insurance Company pays royalty fees to AARP for use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers.
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