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
Compare dental insurance from Delta Dental
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Find the right dental plan for your team
We’re here to help you choose dental benefits that offer lasting value for your business and your employees.
What to look for when comparing dental insurance plans
Think about how dental insurance plans compare based on the impact of network strength, out-of-pocket costs and basic and major services.
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Explore your dental plan options
All Delta Dental plans give employees access to a quality network of credentialed dentists and low-to-no-cost preventive services. Use the comparison table below to compare dental plan options and review key plan details side by side:
Delta Dental PPO™
Dental plan type: PPO
Dental insurance plan overview
Provides access to a network of dentists who accept negotiated fees, allowing for low out-of-pocket costs
Dentist network size
Visit any dentist?
Yes, but members save the most by visiting an in-network PPO dentist. If they can't go to a PPO dentist, a Premier dentist is their next best option.
Referrals needed for specialists?
No
Annual maximum
Yes
Deductible
Yes
Copayment
No
Coinsurance
Yes
Potential savings
Coverage for child and adult orthodontics
Available
Coverage for implants
Available
Delta Dental PPO Plus Premier™
Dental plan type: PPO
Dental insurance plan overview
Combines two networks for expanded access to dental providers while still getting negotiated fees.
Dentist network size
Visit any dentist?
Yes, but members save the most by visiting an in-network PPO dentist. If they can't go to a PPO dentist, a Premier dentist is their next best option.
Referrals needed for specialists?
No
Annual maximum
Yes
Deductible
Yes
Copayment
No
Coinsurance
Yes
Potential savings
Coverage for child and adult orthodontics
Available
Coverage for implants
Available
DeltaCare® USA
Dental plan type: Dental HMO
Dental insurance plan overview
Offers coverage for hundreds of procedures with low or no copays on most preventive care services.
Dentist network size
Visit any dentist?
No, members must select a general dentist1, 2 from the DeltaCare USA network who will coordinate referrals to specialists when necessary.
Referrals needed for specialists?
Yes, except for pediatric dentists.3
Annual maximum
No
Deductible
No
Copayment
Yes
Coinsurance
No
Potential savings
Coverage for child and adult orthodontics
Yes, on all standard plans.
Coverage for implants
Yes, on select plans.
Delta Dental PPO™ |
Delta Dental PPO |
DeltaCare® USA |
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|---|---|---|---|
| Dental insurance plan overview | Provides access to a network of dentists who accept negotiated fees, reducing out-of-pocket costs for employees. | Combines two networks for expanded access to dental providers while still getting negotiated fees. | Offers coverage for hundreds of procedures with low or no copays on most preventive care services. |
| Participating dentists network size | |
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| Visit any dentist? | Yes, but members save the most by visiting an in-network PPO dentist. If they can't go to a PPO dentist, a Premier dentist is their next best option. | Yes, but members save the most by visiting an in-network PPO dentist. If they can't go to a PPO dentist, a Premier dentist is their next best option. | No, members must select a general dentist¹,² from the DeltaCare USA network who will coordinate referrals to specialists when necessary. |
| Referrals needed for specialists? | No | No | Yes, except for pediatric dentists.³ |
| Annual maximum | Yes | Yes | No |
| Deductible | Yes | Yes | No |
| Copayment | No | No | Yes |
| Coinsurance | Yes | Yes | No |
| Potential savings | |
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| Coverage for child and adult orthodontics | Available | Available | Yes, on all standard plans. |
| Coverage for implants | Available | Available | Yes, on select plans. |
Want more flexibility for your team? As you compare dental insurance, consider dual choice. It’s the ideal option for businesses with diverse job roles and office locations. Offer your employees one of the Delta Dental PPO plan types and pair it with DeltaCare USA, so they can choose the right plan for their lifestyle and budget.
Compare dental insurance and build your benefits
A broker or Delta Dental sales representative can help you compare dental plans, recommend options for your business and answer questions about covered dental services.
Learn more about what we offer for businesses of all sizes.
Small business
2-99 employees
Midsize to large
100+ employees
Add vision benefits to support the overall health of your employees. Ask your broker or Delta Dental sales representative about pairing DeltaVision® with the dental insurance plan you select.
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.
DeltaVision is underwritten by Delta Dental of California in California. In Alabama, Delaware, District of Columbia, Florida, Georgia, Louisiana, Maryland, Mississippi, Montana, Nevada, New York, Pennsylvania, Texas, Utah and West Virginia, DeltaVision is underwritten by Delta Dental Insurance Company. DeltaVision is administered by Vision Service Plan (VSP). DeltaVision is not available through the Small Business Program in Mississippi.
¹In 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.
²In 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.
³Children through age 13 do not need a referral to receive care from a pediatric specialist. If you live in AK, CT, LA, ME, MS, MT, NC, ND, NH, OK, SD, VT or WY, you don’t have to choose a general dentist first, and you don’t have to get a referral to see a specialist.
The VSP WV Network Access Plan, as required by the Health Benefit Network Access and Adequacy Act may be accessed online at vsp.com or 1-800-877-7195 to request a copy.
You may view our West Virginia Network Access Plan, as required by the Health Benefit Plan Network Access and Adequacy Act, online at deltadentalins.com. You may also contact us by calling 800-422-4234 to request a copy.
You may view our West Virginia Network Access Plan, as required by the Health Benefit Plan Network Access and Adequacy Act, online at deltadentalins.com. You may also contact us by calling 800-422-4234 to request a copy.
© 2025 Vision Service Plan. VSP is a registered trademark of Vision Service Plan. All other brands or marks are the property of their respective owners.