Skip to main content

Delta Dental Insurance for Individuals and Families

Individual and family dental plans

Your smile is worth it

An investment in your smile is an investment in you.

Shop plans now

Protect your smile

When you have dental benefits, it's easier to get the regular care that helps keep you and your smile healthy. You'll also be covered for many unforeseen dental problems. Now that's a reason to smile!

Stick to your budget

Dental coverage means you're likely to pay less for services because we contract with dentists to offer you lower rates. Most procedures — even braces and dentures — will be a fraction of what they'd cost without benefits.¹

Get the coverage you need

Our Delta Dental PPO™² and DeltaCare® USA³ plans include the services you need most. Get preventive care like routine cleanings and exams at little or no cost.

Choose your dentist

You can count on our dentists for professional, reliable care. Love your current dentist? Chances are they're in our expansive network. Use our search tool to find them or look for a dentist nearby.

Your partner in oral health and wellness

You can count on Delta Dental as a trusted leader in dental coverage. We're one of the largest dental benefits providers nationwide.⁴

Find us in your community. You'll have access to one of the largest networks of dentists nationwide.⁵

You'll find an affordable plan, designed to meet your needs, with benefits for the most common procedures. Enjoy reduced rates when visiting our network dentists.

Health Care Exchange (Marketplace) plans

Delta Dental offers dental plans on state and federal exchanges. Learn more about your Marketplace choices. You can also apply for a plan or check your enrollment status.

Types of dental plans

Learn about the dental plan options we offer.

Shopping for dental plans

Tips to shop smart for the best dental plan to fit your needs.

About dental insurance

Find out how dental insurance can protect your teeth and your wallet.

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

We're here to help

Still not sure which plan is right? Tell us about your dental needs, and we'll match you with the plan that works best for you.

  1. Please see your plan booklet or Policy for a complete description of plan benefits, limitations, and exclusions.

  2. 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.

  3. 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.

  4. All of our companies are members, or affiliates of members, of Delta Dental Plans Association (DDPA), the national network of 39 Delta Dental companies that together provide dental coverage to more than 80 million people in the U.S.

  5. Networks reflect combined numbers for Delta Dental PPO and Delta Dental Premier®-only dentists. DDPA Premier Unique Dentist Report and Dentist Locations Report, December 2018.