Delta Dental PPO™ individual plans are available in AL, CA, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, TX, UT, WV and DC.
DeltaCare® USA individual 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.⁴
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 than if you didn't have a Delta Dental plan 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 enjoy less savings than 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.
We offer plans 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 do not offer individual vision insurance, our trusted partnership with VSP® Individual Vision Plans⁵ offers comprehensive and affordable vision coverage.
Learn more about VSP Individual Vision Plans for Florida and New York residents or for all other states.
Delta Dental PPO™² individual plans have waiting periods for basic (e.g., fillings) and major (e.g., root canals, crowns) services.⁶ However, diagnostic and preventive care services (e.g., exams, x-rays, cleanings) do not require waiting periods on any plans.
DeltaCare® USA³ DHMO-type individual plans do not have waiting periods.
With a Delta Dental PPO individual plan, you can keep your current dentist or visit any other licensed dentist, anywhere. With a DeltaCare USA individual 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. (Please note, 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 enjoy more savings at a Delta Dental dentist. Staying in network is a required part of your DeltaCare USA plan.
If you’re having difficulty finding a dentist near you, you can take a few actions:
If you have a Delta Dental PPO individual plan, you may save the most by visiting a dentist from our PPO network. However, you can visit any licensed dentist, anywhere.
If you have a DeltaCare USA DHMO-type individual plan, you're required to choose a DeltaCare USA network dentist before you can receive dental services or see a specialist.
A non-network or Delta Dental Premier® dentist can charge up to their full retail 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.
You'll receive an ID card as part of your welcome package after you purchase an individual Delta Dental plan.
You’ll receive one ID card in the policy holder's name. 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.
While an ID card is not required to receive services for insured members, some dentist offices still ask for it. Your dentist’s office staff can use your ID card to quickly look up your benefit and coverage information.
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.
Anyone can enroll in a Delta Dental individual plan year-round. Plan eligibility requirements vary by state. For eligibility requirements related to your state and plan, refer to the plan Policy and Benefit Details document.
Yes, you can enroll anytime.
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:
DeltaCare USA plans have a set effective date based on the plan purchase date:
This is an administrative fee for processing your application. The fee is charged at the time of enrollment for residents of AL, CA, DE, FL, GA, LA, MD, MS, MT, NV, PA, TX, UT, WV and DC and is non-refundable.
There’s no additional application fee for qualifying dependents. For example, a primary enrollee with five dependents pays $10 at the time of enrollment, not $60.
When you purchase a Delta Dental plan, you’ll have the option to create a Delta Dental 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 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 plan, you’ll have up to 60 days from the plan effective date to add your spouse, as well as dependents up to age 26, to your plan.
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.
Can't find an answer to your question? Contact us at 888-282-9501.
Please see your plan booklet or 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-R22), 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-20) 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.