Delta Dental Insurance for Individuals and Families

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.

1. Visit our Find a dentist page. 
2. Enter your address, city or ZIP code.
3. Select the network for your preferred plan: either Delta Dental PPO or DeltaCare USA. You’ll likely save the most if you choose the Delta Dental PPO network for the Delta Dental PPO plan and the DeltaCare USA network for the DeltaCare USA (DHMO) plan.
4. Click Find a dentist.
5. In the Search (Optional) field, enter the dentist’s name or practice’s name.

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.

1. Visit our Find a dentist page. 
2. Enter your address, city or ZIP code.
3. Select the network for your preferred plan: either Delta Dental PPO or DeltaCare USA. You’ll likely save the most if you choose the Delta Dental PPO network for the Delta Dental PPO plan and the DeltaCare USA network for the DeltaCare USA (DHMO) plan.
4. Select Find a dentist.
5. If you’d like to narrow your search results, use the Refine Search menu or enter a dentist’s name or practice’s name in the Search (Optional) field.

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.

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:
 

• 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.

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.