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
West Virginia Marketplace dental plans made simple
Explore our plans available through HealthCare.gov and understand what to expect before you enroll.
What to know about ACA dental plans in West Virginia
Shopping for dental coverage through the Marketplace looks a little different from a standard dental plan. Here's what to know before you enroll.
Consideration | What it means for you |
|---|---|
| Health plan pairing | In West Virginia, you'll need to purchase a dental plan alongside a qualifying health plan through HealthCare.gov. |
| Coverage tiers | Our ACA plans are available in two coverage levels:
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| What's your cost | Even if a service is covered, you may still pay part of the cost. This could include a deductible, copayment or coinsurance. |
| Adult coverage vs. pediatric coverage | Adult dental coverage varies by ACA plan. Pediatric dental coverage is included as an essential health benefit, and there are limits on how much families pay out of pocket for covered care. |
| Child out-of-pocket limit | For more details about out-of-pocket limits check the plan brochures linked below. |
Marketplace dental insurance plans in West Virginia at a glance¹
Choose what works for you. Whether you’re looking for coverage that helps keep you healthy with preventive care or protection for more extensive dental services, there’s a plan designed to fit your needs.
Understand more about ACA dental plans
Delta Dental offers PPO plans through HealthCare.gov in WV.
With a PPO plan, you can visit any licensed dentist and pay less when you stay in the network. Referrals are not required to see a specialist. A PPO plan tends to work well if you already have a dentist you want to keep or prefer flexibility.
See the in-network plan comparison table below for our specific marketplace dental insurance plans in West Virginia.
| Benefit category | PPO Plans | |
|---|---|---|
| Adult Basic | Adult Preferred | |
| Preventive services (cleanings, oral exams, x-rays) | Covered at no cost | Covered at no cost |
| Basic services (fillings, tooth removal) | Covered at 50% after annual deductible is met | Covered at 80% after annual deductible is met |
| Major services (root canals, crowns, implants) | Not a benefit | Covered at 50% after annual deductible is met |
| Annual deductible (waived for diagnostic and preventive services) | $50 | $50 |
| Annual maximum | $1,000 | $1,000 |
| Waiting period | None | 12 months for Major Services for Adult Enrollees |
| Network rules | Pick from our large network of PPO dentists | Pick from our large network of PPO dentists |
| How you pay | Plan pays a % coinsurance (e.g., 80%), you pay the rest | Plan pays a % coinsurance (e.g., 80%), you pay the rest |
PPO Plan - Adult Basic
Preventive services (cleanings, oral exams, x-rays)
Covered at no cost
Basic services (fillings, tooth removal)
Covered at 50% after annual deductible is met
Major services (root canals, crowns, implants)
Not a covered benefit
Annual deductible (waived for diagnostic and preventive services)
$50
Annual maximum
$1,000
Waiting period
None
Network rules
Pick from our large network of PPO dentists
How you pay
Plan pays a % coinsurance (e.g., 80%), you pay the rest
PPO Plan - Adult Preferred
Preventive services (cleanings, oral exams, x-rays)
Covered at no cost
Basic services (fillings, tooth removal)
Covered at 80% after annual deductible is met
Major services (root canals, crowns, implants)
Covered at 50% after annual deductible is met
Annual deductible (waived for diagnostic and preventive services)
$50
Annual maximum
$1,000
Waiting period
12 months for Major Services for Adult Enrollees
Network rules
Pick from our large network of PPO dentists
How you pay
Plan pays a % coinsurance (e.g., 80%), you pay the rest
| Benefit category | PPO Plans | |
|---|---|---|
| Pediatric Basic | Pediatric Preferred | |
| Preventive services (cleanings, oral exams, x-rays) | Covered at no cost | Covered at no cost |
| Basic services (fillings, tooth removal) | Covered at 50% after annual deductible is met | Covered at 80% after annual deductible is met |
| Major services (root canals, crowns, implants) | Covered at 50% after annual deductible is met | Covered at 50% after annual deductible is met |
| Annual deductible (waived for diagnostic and preventive services) | $50 | $40 |
| Annual maximum | None | None |
| Waiting period | None | None |
| Network rules | Pick from our large network of PPO dentists | Pick from our large network of PPO dentists |
| How you pay | Plan pays a % coinsurance (e.g., 80%), you pay the rest | Plan pays a % coinsurance (e.g., 80%), you pay the rest |
PPO Plan - Pediatric Basic
Preventive services (cleanings, oral exams, x-rays)
Covered at no cost
Basic services (fillings, tooth removal)
Covered at 50% after annual deductible is met
Major services (root canals, crowns, implants)
Covered at 50% after annual deductible is met
Annual deductible (waived for diagnostic and preventive services)
$50
Annual maximum
None
Waiting period
None
Network rules
Pick from our large network of PPO dentists
How you pay
Plan pays a % coinsurance (e.g., 80%), you pay the rest
PPO Plan - Pediatric Preferred
Preventive services (cleanings, oral exams, x-rays)
Covered at no cost
Basic services (fillings, tooth removal)
Covered at 80% after annual deductible is met
Major services (root canals, crowns, implants)
Covered at 50% after annual deductible is met
Annual deductible (waived for diagnostic and preventive services)
$40
Annual maximum
None
Waiting period
None
Network rules
Pick from our large network of PPO dentists
How you pay
Plan pays a % coinsurance (e.g., 80%), you pay the rest
Network availability may vary by zip code.
*For plan-specific details like basic services, major services (root canals, crowns, implants, orthodontics) and waiting periods² for both adults and children, explore plan brochures for West Virginia.
Plan brochures (PDFs)
The family plan brochures include both adult and pediatric benefits.
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When to enroll in an exchange marketplace dental plan
You can sign up for a Marketplace dental plan during the yearly Open Enrollment period. In West Virginia, Open Enrollment runs from November 1, 2026, through January 15, 2027. To have coverage start on January 1, 2027, you must enroll by December 15, 2026.You may also qualify for a Special Enrollment Period (SEP) if you experience a qualifying life event, such as getting married, having a baby or losing other health or dental coverage.
Enrollment dates and rules vary by state and individual circumstances. Visit HealthCare.gov to check enrollment deadlines and options available in your area.
How to find your ACA dental coverage in West Virginia
- Shop for dental plans in West Virginia on the HealthCare.gov.
- Check your timeline to make sure you enroll during the annual Open Enrollment Period.
- Get additional questions answered by reaching out to a customer service representative at HealthCare.gov.
Looking for coverage outside of West Virginia?
Find plans by state.
Are you a business owner?
Learn more about plans for small businesses.
Connect with a trusted dentist.
Yours may already be in our network!
Have questions about our ACA dental insurance plans in West Virginia? We have answers.
Coverage depends on the plan and, for children, whether the procedure is medically necessary. Pediatric dental coverage through HealthCare.gov must include basic and major services for children under 19, but cosmetic procedures like teeth whitening typically aren't covered, and orthodontia (braces) is usually covered only when medically necessary rather than for cosmetic straightening.
Most Marketplace dental plans available in West Virginia through HealthCare.gov do not cover dental implants. These plans usually help pay for services like cleanings, fillings, crowns and tooth extractions and don't have waiting periods for preventive care.
If you need to replace a missing tooth, some plans may cover dentures or bridges. Check each plan's coverage details before you enroll. before enrolling. For tooth replacement, some plans do cover dentures or bridges as alternatives.
People who are eligible to enroll through their state's Health Insurance Marketplace can enroll in an ACA Marketplace dental plan through HealthCare.gov. Eligibility is based on where you live and other factors.
No. The ACA Marketplace isn't just for low-income families. Anyone in West Virginia who meets eligibility requirements can shop for health and dental coverage through the Marketplace, regardless of income. If you qualify, you may also be eligible for financial assistance to help lower your costs.
It's a good option if you're:
- Self-employed
- An independent contractor or a gig worker
- Work part-time or for an employer that doesn't offer health benefits
- Are an early retiree not yet eligible for Medicare
- Want an alternative to a pricey employer-sponsored plan
No. In West Virginia, Marketplace rules require you to enroll in a Qualified Health Plan (QHP) through HealthCare.gov before you can buy a stand-alone dental plan.
Check out our Find a dentist tool to search for dental care providers in your area. For our West Virginia dental plans, select the PPO network. You’ll likely save the most if you choose a PPO dentist for your Delta Dental PPO plan.
ACA Marketplace dental insurance in West Virginia can help lower the cost of dental care by covering services such as cleanings, exams, fillings, crowns, root canals and tooth extractions. There are no waiting periods for preventive care. Coverage, costs and benefits vary by plan. Compare plans through your state's Health Insurance Marketplace or HealthCare.gov to find the option that best meets your needs.
¹This benefit information is only a summary and not intended or designed to replace or serve as the plan policy. Limitations may apply for some benefits; some services may be excluded from the plan.
²Limitations and exclusions apply. Please see your plan booklet or policy for a complete description of plan benefits, limitations and exclusions.
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; DE - Delta Dental of Delaware; WV - Delta Dental of West Virginia. In Texas, Delta Dental Insurance Company provides a Dental Provider Organization (DPO) plan.
Delta Dental is a registered mark of Delta Dental Plans Association.