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
Buying a plan on your own? View our options for individual dental insurance.
Care you can count on
Since 1955, Delta Dental has been a trusted leader in dental benefits, providing generations of satisfied customers with access to quality care. Today, millions of members put their trust in us to do what's right for their oral health.
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How dental benefits help you
- Improve oral health and overall health. Your dentist can catch major problems like gum disease and oral cancer. Studies have linked poor oral health to conditions such as diabetes and osteoporosis.
- Take care of your teeth and gums. You’re more likely to visit the dentist if you have dental insurance.¹
- Pay less for dental needs. Insurance lets you pay a fraction of the cost you’d have to pay if you weren’t covered.
- Improve oral health and overall health. Your dentist can catch major problems like gum disease and oral cancer. Studies have linked poor oral health to conditions such as diabetes and osteoporosis.
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Learn more about Delta Dental plans and networks
No matter which plan you're enrolled in, you can count on access to preventive services at no or low cost, no claim forms for in-network procedures and care from a provider that meets Delta Dental quality standards. Plan benefits and coverage will vary based on the plan type and what’s offered through your employer.
Not sure what plans are offered? Contact your employer or benefits administrator.
Delta Dental PPO™ ²
Dental plan type: PPO
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 you’ll save the most by visiting an in-network PPO dentist.
Referrals needed for specialists?
No
Annual maximum
Yes
Deductible
Yes
Copayment
No
Coinsurance
Yes
Potential savings
Learn more about this plan
Delta Dental PPO
More on Delta Dental PPO
Delta Dental PPO Plus Premier™
Dental plan type: PPO
Overview
Combines two networks to give you expanded access to dental providers while still getting negotiated fees
Dentist network size
Visit any dentist?
Yes, but you’ll save the most by visiting an in-network PPO dentist. If you can't go to a PPO dentist, a Premier dentist will save you some money.
Referrals needed for specialists?
No
Annual maximum
Yes
Deductible
Yes
Copayment
No
Coinsurance
Yes
Potential savings
Learn more about this plan
Delta Dental PPO and Delta Dental Premier
More on PPO and Premier
DeltaCare® USA (HMO)
Dental plan type: DHMO
Overview
Offers coverage for hundreds of procedures with low or no copays on most preventive care services
Dentist network size
Visit any dentist?
No. You must select a general dentist from the DeltaCare USA network.³
Referrals needed for specialists?
Yes³
Annual maximum
No
Deductible
No
Copayment
Yes
Coinsurance
No
Potential savings
Learn more about this plan
DeltaCare USA
More on DeltaCare USA
Delta Dental PPO™ ² |
Delta Dental PPO |
DeltaCare® USA |
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|---|---|---|---|
| Overview | Save money with lower out-of-pocket costs with our network of dentists who have agreed to contracted rates for covered services. | Adds Premier providers to our large PPO network giving expanded access to network providers. You get more choice and continued cost savings through contracted rates for covered services. | With coverage for hundreds of services, this copay-based plan keeps your costs predictable. It offers low or no copays on most preventive care services. |
| Dentist network size | |
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| Visit any dentist? | Yes, but you’ll save the most by visiting an in-network PPO dentist. | Yes, but you'll save the most by visiting an in-network PPO or Premier dentist. | No. You must select a general dentist from the DeltaCare USA network.³ |
| Referrals needed for specialists? | No | No | Yes, except for pediatric dentists³ |
| Annual maximum | Yes | Yes | No |
| Deductible | Yes | Yes | No |
| Copayment | No | No | Yes |
| Coinsurance | Yes | Yes | No |
| Learn more about this plan | More on Delta Dental PPO | More on PPO and Premier | More on DeltaCare USA |
Delta Dental PPO and Delta Dental Premier®
Learn how and why to choose a Delta Dental PPO or Delta Dental Premier dentist.
Knowledge center
Search our network
With three out of four U.S. dentists in our combined networks⁴, you’re likely to find the right one for you.
Get more from your coverage
Member perks
All members get member perks that feature discounts on health care products and services. Virtual visits give you expert advice from a Delta Dental dentist.⁵
Additional products and benefits
Ask your benefits representative if you have access to these products or features.
You may get expanded dental coverage if you've been diagnosed with a chronic medical condition (PPO only).⁶
We’ve partnered with VSP® Vision Care, an industry leader, to save you money on eye care and eyewear.
We offer enhanced dental benefits to address the oral health impact of pregnancy and menopause (PPO only).
D&P Maximum Waiver®
With this benefit, routine diagnostic and preventive services don’t count against your annual maximum.
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Already a member?
Log in or create an online account to access your specific plan information, find a dentist and more.
Already a member?
Log in or create an online account to access your specific plan information, find a dentist and more.
© 2025 Vision Service Plan. All rights reserved.
¹ Delta Dental Plans Association, 2020. The State of America’s Oral Health Report.
² In Texas, Delta Dental Insurance Company provides a dental provider organization (DPO) plan.
³ Children 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.
⁴ Delta Dental Premier is the largest dentist network nationwide based on total unique dentists, as of September 2023, according to Zelis Network360.
⁵ Virtual dentistry is covered under PPO plans, but a DeltaCare USA member can use it for an out-of-pocket fee.
⁶ SmileWay Wellness Benefits are not included under all plans. Known as SmileWay Enhanced Benefits in Texas.