Delta Dental of California, Delta Dental Insurance Company, Delta Dental of Pennsylvania and affiliates
Delta Dental of California, Delta Dental Insurance Company, Delta Dental of Pennsylvania and affiliates
Delta Dental Insurance - Delta Dental Compare Plans
What’s important to you is important to us
Delta Dental’s plans prioritize preventive care, helping to keep health care costs low.
Delta Dental PPO™
Freedom to choose
If dentist access is a high priority, Delta Dental PPO might be a great fit. Enrollees will likely save the most when they visit a Delta Dental PPO dentist, but they can visit any licensed dentist of their choice. And, with nearly 80% of practicing dentists in our networks, there’s a good chance they’re already visiting a network provider.¹
Industry’s best effective discount
What separates Delta Dental PPO from other carriers of dental PPO products? More network savings. According to an independent consulting firm, Delta Dental PPO offers the nation’s best effective discount.² This means our networks can deliver the most value through a combination of network size, utilization and discounts.
DeltaCare® USA
Predictable dental benefits costs
DeltaCare USA plans offer straightforward, comprehensive coverage for members that’s easy to administer. Delta Dental sales representatives can help you find and implement a plan that fits your clients, with ongoing support from dedicated Delta Dental teams.
Competitive dental coverage
While many value the transparency and affordable premiums DeltaCare USA offers, these DHMO-type plans offer much more than preventive care. DeltaCare USA plans cover 350+ procedures, including cleanings and exams at low or no cost. Plus, there are no annual deductibles, waiting periods or maximums to worry about.³
Compare plans
Dental plans that meet your needs. We’re here to help you choose the best fit and get started.
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Delta Dental PPO™⁴
Best if dentist access is a high priority.
This preferred provider plan offers the convenience and flexibility of visiting any licensed dentist. Covered services are paid based on a percentage — if, for example, fillings are covered at 80%, enrollees pay the remaining 20%. Get the most plan value by choosing a Delta Dental PPO dentist. PPO network dentists complete claim forms for enrollees and can help advise you on questions regarding enrollees' share of the payment.
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DeltaCare® USA
Best if cost management and predictability are priorities.
Your clients will benefit from DeltaCare USA’s simplicity — no waiting periods, no paperwork, no claims and no surprises, with easy, preset copayments.
Members simply select a DeltaCare USA general dentist, who will coordinate any needed referrals to a specialist.⁵ Most DeltaCare USA dentists also participate in Delta Dental PPO’s network, so members have access to the same great service with a plan that fits their budget.
Delta Dental PPO™ |
DeltaCare® USA |
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|---|---|---|
| Payment for Services | Coinsurance | Set copayments |
| Dentist selection | Visit any licensed dentist, but save with in-network dentist | Must visit a DeltaCare USA in-network general dentist |
| Switching dentists | Any time (no notification needed) | Anytime online or by phone⁷ |
| Specialty care | Visit any licensed dentist | When specialty dental care is needed, the selected general dentist refers members to a trusted specialist in the network. |
| Waiting period? | Yes | No |
PPO enrollees also have access to the Delta Dental Premier® network
Enrollees in the Delta Dental PPO plan can visit any licensed dentist. If they want to stay in network, however, they can select a dentist from two Delta Dental networks: PPO and Premier.
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Delta Dental PPO network
Enrollees will likely save the most money when they visit a PPO dentist.
- PPO dentists have agreed to lower contracted rates, which means enrollees typically will pay less for covered services and won’t experience unexpected out-of-pocket costs.
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Delta Dental Premier network
If enrollees can't find a PPO dentist, their next best option is the Premier network.
- Premier dentists have agreed to negotiated rates. However, the rates may be higher than PPO network rates, which means enrollees may pay more if they visit a Premier dentist.
Both PPO and Premier dentists meet credentialing requirements based on national standards. They also submit claims directly to Delta Dental and can help advise enrollees on their share of the payment.
To find a dentist in the PPO or Premier network
- Go to Find a dentist on our website.
- Enter the enrollee’s location.
- Select Delta Dental PPO or Delta Dental Premier from the drop-down list.
Want to learn more?
Need more support?
Contact us for any questions or help.
producerservices@delta.org
866-760-4080
8 a.m. - 7 p.m. ET M - F
Individual Plan disclosures:
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.
In Florida, Delta Dental Insurance Company provides DeltaCare USA Plan benefits as a Prepaid Limited Health Service Organization as described in Chapter 636 of the Florida Statutes.
Individual PPO plans have flexible enrollment. Here is an example of the effective dates based on plans: When does coverage become effective? DeltaCare® USA Plans purchased by the 21st of the month will become effective on the first date of the following month.
- E.g., 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 that.
- E.g., a plan purchased on July 25 would not be effective until September 1. Delta Dental PPO™ plan purchasers have flexible enrollment options. 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.
- E.g., 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.
- E.g., a plan purchased on July 15 can be effective August 1.
Group Plan Disclosures:
Delta Dental PPO™ is underwritten by Delta Dental Insurance Company in AL, DC, 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 is underwritten in these states by these entities: AL — Alpha Dental of Alabama, Inc.; AZ — Alpha Dental of Arizona, Inc.; CA — Delta Dental of California; AR, CO, IA, MA, ME, MI, MN, NC, ND, NE, NH, OK, OR, RI, SC, SD, VA, VT, WA, WI, WY — Dentegra Insurance Company; AK, CT, DC, DE, FL, GA, KS, LA, MS, MT, TN, WV — Delta Dental Insurance Company; HI, ID, IL, IN, KY, MD, MO, NJ, OH, TX — Alpha Dental Programs, Inc.; NV — Alpha Dental of Nevada, Inc.; UT — Alpha Dental of Utah, Inc.; NM — Alpha Dental of New Mexico, Inc.; NY — Delta Dental of New York, 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 Unique Dentists Penetration Report, 2022
- Milliman Dental Actuarial Analytics, 2021 Dental PPO Network Study, includes all Delta Dental member companies
- In AK, CT, LA, ME, MS, MT, ND, NC, NH, OK, SD, VT and WY, DeltaCare USA is offered as an open access plan where enrollees can obtain treatment from any licensed dentist; however, deductibles and maximums may be applied for services provided by an out-of-network dentist.
- In Texas, Delta Dental Insurance Company provides a dental provider organization (DPO) plan.
- In WY, you do not need to select a general dentist, but you must visit a network dentist to receive benefits. In the following states, you can maximize your savings when you visit a network dentist, although you may visit any licensed dentist and receive out-of-network coverage: AK, CT, LA, ME, MS, MT, NC, ND, NH, OK, SD, VT. Refer to your plan booklet for details about your out-of-network benefits.
- Limitations and exclusions apply. Refer to your plan booklet for more information about covered services, deductibles and maximums.
- Changes received between the first and 15th of the month are effective immediately. Changes received on the 16th through the end of the month will be effective on the first of the next month.