Dental insurance makes dental care more affordable! With a focus on prevention, dental insurance typically covers professional services like routine check-ups, cleanings and exams at 100%. This helps reduce out-of-pocket costs, so you pay less for the dental care you need.
Dental insurance
Individual and family
A healthy smile can make all the difference. That's why keeping smiles healthy is what we do. Whether enabling you to take care of small dental concerns before they become big problems or making complex dental treatments more affordable, a dental plan from Delta Dental can help you and your family achieve better overall health.
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Improved overall health: Research shows good oral health has a positive effect on overall health and well-being. During an oral exam, your dentist can detect signs of 120+ diseases just by examining your mouth!
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Encourage routine dental care for long term benefit: During preventive check-ups, your dentist is better able to detect problems early on and help you avoid more costly and complex procedures in the future.
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Cost savings and budget management: Dental insurance helps you save money by covering up to 100% of preventive cleanings and check-ups and portions of more extensive procedures.
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Coverage for the unexpected: Oral health problems can appear unexpectedly. Dental insurance makes it easier and more cost-effective to get the care you need so you don’t have to worry about the future.
Individual dental insurance plans
At Delta Dental, we offer a wide variety of affordable individual dental insurance plan options. Explore our PPO, Dental HMO, managed, and discount dental plans, and learn about the different types of dental insurance coverage we offer using the chart below.
Delta Dental PPO™
Delta Dental PPO is our preferred-provider option program. With Delta Dental PPO you have access to a network of dentists who accept reduced fees for covered services, giving you the lowest out-of-pocket costs.
Compare Plan
| Dental plan type | PPO |
|---|---|
| Dentist network size |
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| Insurance premium |
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| Annual max | Yes |
| Deductible | Yes |
| Copayment | Yes |
| Potential savings |
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Delta Dental Premier®
Delta Dental Premier is our original fee-for-service plan that offers the largest network of dentists. These dentists have agreed to contracted fees with Delta Dental, so for covered services, you pay no more than your copay and deductible.
Compare Plan
| Dental plan type | Managed fee for service |
|---|---|
| Dentist network size |
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| Insurance premium |
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| Annual max | Yes |
| Deductible | Yes |
| Copayment | Yes |
| Potential savings |
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Delta Dental PPO Plus Premier™
Delta Dental PPO Plus Premier combines the Delta Dental PPO and Delta Dental Premier networks, which gives you the benefits of Delta Dental PPO and more. With this plan, even if your Delta Dental Premier dentist is not in the PPO network, you still receive the benefit of that dentist's contracted fee.
Compare Plan
| Dental plan type | PPO |
|---|---|
| Dentist network size |
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| Insurance premium |
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| Annual max | Yes |
| Deductible | Yes |
| Copayment | Yes |
| Potential savings |
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DeltaCare® USA (HMO)
DeltaCare USA is Delta Dental’s dental HMO, which offers low-cost dental coverage with a focus on preventive care. Enjoy minimal or no copayments for preventive care and choose from a network of dentists to manage your dental needs.
Compare Plan
| Dental plan type | Dental HMO |
|---|---|
| Dentist network size |
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| Insurance premium |
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| Annual max | No |
| Deductible | No |
| Copayment | Yes |
| Potential savings |
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Delta Dental Patient Direct®
Delta Dental Patient Direct is a dental service discount plan. You choose from a panel of participating dentists who charge discounted fees for their services. You pay the discounted fee directly to your dentist at the time of treatment - with no paperwork to file
Compare Plan
| Dental plan type | Discount plan |
|---|---|
| Dentist network size |
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| Insurance premium |
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| Annual max | No |
| Deductible | No |
| Copayment | Not applicable |
| Potential savings |
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| Dental plan type | PPO | Managed fee for service | PPO | Dental HMO | Discount plan |
|---|---|---|---|---|---|
| Dentist network size |
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| Insurance premium |
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| Annual max | Yes | Yes | Yes | No | No |
| Deductible | Yes | Yes | Yes | No | No |
| Copayment | Yes | Yes | Yes | Yes | Not applicable |
| Potential savings |
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Choose up to 3 plans to compare
Compare selected plans (X)
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Delta Dental PPO™
Delta Dental Premier®
Delta Dental PPO Plus Premier™
DeltaCare® USA (HMO)
Delta Dental Patient Direct®
| Dental plan type | PPO | Managed fee for service | PPO | Dental HMO | Discount plan |
|---|---|---|---|---|---|
| Dentist network size |
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| Insurance premium |
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| Annual max | Yes | Yes | Yes | No | No |
| Deductible | Yes | Yes | Yes | No | No |
| Copayment | Yes | Yes | Yes | Yes | Not applicable |
| Potential savings |
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Please rotate
Plans and rates vary by state. Dental benefits are administered by the independent Delta Dental companies.
DeltaVision®: DeltaVision is a vision plan, that offers pre-negotiated discounts on eye exams, glasses, contact lenses and laser vision correction. DeltaVision may be available separately or as a part of your dental insurance.
Shop for a plan for you and your family.
Delta Dental companies offer individual and family dental plans in most states. Enter your state to learn more.
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You will be directed to your local Delta Dental website.
FAQ
Dental insurance helps you get the professional care you need to maintain your oral health, including regular teeth cleanings, fluoride and sealant treatments, and other types of preventive and restorative care. Routine brushing and flossing at home is a great place to start, but care from dental professionals is critical to achieving and maintaining a healthy smile and better overall health.
When shopping for dental insurance there are a number of factors to consider in order to choose the best plan for you and your family. First, evaluate your individual needs and understand your budget. Then, take a look at the different kinds of dental plans available in your area and what’s covered in each plan. You will also want to look at network size and applicable restrictions.
There are many factors to consider when choosing a dental plan, and one size does not fit all. Consider and try to anticipate the specific coverage needs of each member of your family and evaluate which plan is financially feasible by looking at things like annual maximums and deductibles, along with the type of services that are covered, to ensure that you will receive the level of care your family needs.
Delta Dental encourages prevention, so generally, services like cleanings, x-rays, and exams are covered from day one. Some services such as fillings, crowns, or bridges may have a waiting period depending on your dental plan. Please review the details of your plan or contact our customer service team for specific information.
For cosmetic dental procedures like teeth whitening, coverage is usually not provided by employer plans and is rarely provided by any type of dental insurance.
The following are dental terms that are helpful to be familiar with:
- Premium: The monthly, quarterly, or annual amount you pay for dental benefits.
- Deductible: The dollar amount that a member must pay towards covered services before insurance benefits are paid. This can also be referred to as out-of-pocket costs.
- Coinsurance: The percentage of the costs you pay for a dental treatment after you meet your deductible.
- Copay: The fixed dollar amount you pay for a service covered under your dental plan.
Dental plan resources
Tips for choosing the best dental insurance company
- Sep 20 2019
What are the different types of dental insurance plans?
- Aug 11 2020
What does my dental insurance cover?
- May 17 2019
What is the value of dental insurance?
- Jun 03 2018