Delta Dental Insurance for Individuals and Families
Frequently asked questions
Shopping for a plan doesn't have to be intimidating. We've got answers to these common questions to help you find the right plan.
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.
There are many ways to pay for your dental plan. One of the most common is a monthly premium. Depending on your plan, it may also be possible to pay annually, semi-annually or quarterly. You can pay with a credit card, a check, an electronic fund transfer or with other options depending on your specific plan.
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.
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.
Affiliate dental plans
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-REV2018), 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) 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.