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
Keep dental coverage with Delta Dental Insurance
Looking for a new dentist? Find a dentist near you.
Plans to suit your budget and needs
Choose from these Delta Dental individual and family plan options:
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- Visit any licensed dentist to receive coverage and save at in-network dentists
- Enjoy access to our expansive dentist network²
- Choose either a low-cost Basic plan or a Premium plan: Both cover preventive care and basic services like fillings. Premium also covers major services like implants
Offered in AL, CA, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, TX, UT, WV and DC
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- Choose a primary care dentist from the DeltaCare USA network
- Enjoy low costs and no deductibles, maximums or waiting periods
- Prepare for costs ahead of time — you'll receive a list of nearly 300 covered services, including teeth whitening, with set copayments
Available in CA, FL, MD, NV, NY, PA, TX, UT and DC
Live in a state that isn't listed? See the individual dental insurance plans available to you.
Questions about Smile On?
We have answers for retirees and anyone else without employer coverage.
- For retirees
- General
Original Medicare may have limited or no dental coverage. You can reduce costs and meet your dental needs with an individual dental insurance plan from Delta Dental. Shop the plans.
Enroll anytime. If you know the date you plan to retire, you can set the start date of your new individual plan in the future. The Delta Dental individual plans have multiple start date options with a minimum of two months in the future. You can choose the date when you shop for a plan.
With a Delta Dental individual PPO plan, you can keep the dentist you know and trust or visit any other licensed dentist, anywhere. You may save the most by visiting a dentist from our PPO network.
With a DeltaCare USA individual plan, you can keep your dentist as long as they’re in the DeltaCare USA network.
An individual dental insurance plan is not paid by your employer. It’s a direct relationship between you and Delta Dental. Shop the plans.
Anyone can enroll in a Delta Dental individual plan year-round. You need to be age 18 or older to enroll yourself. You can add your spouse, as well as dependents up to age 26, to your plan. Shop the plans.
No. Plans purchased through Smile On³ are considered new, individual coverage and not a continuation of any plan you may currently have.
Delta Dental individual PPO plans are available in AL, CA, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, TX, UT, WV and DC.
DeltaCare USA individual plans are available in CA, FL, MD, NV, NY, PA, TX, UT and DC.
Live in a different state? See the individual dental insurance plans available to you.
When you enroll in an individual dental insurance plan, you can pay your premium directly to Delta Dental. We accept the following payment methods: bank account debit (ACH), credit card and check. You can also set up autopay with your bank or credit card. Shop the plans.
Absolutely. You need to be age 18 or older to enroll yourself. Then you can add your spouse, as well as dependents up to age 26, to your plan. Shop the plans.
It depends on which plan you choose. Delta Dental individual PPO⁴ plans have waiting periods for basic (e.g., fillings) and major (e.g., root canals, crowns) services. However, diagnostic and preventive care services (e.g., exams, x-rays, cleanings) do not require waiting periods on any plans.
DeltaCare USA⁵ DHMO-type individual plans do not have waiting periods.
Please see the policy for a complete description of plan benefits, limitations and exclusions.
If you’re in California, Delta Dental can review your previous dental coverage and consider waiving the waiting period, if applicable.
COBRA continuation coverage plans are the same plans offered by your company during your employment. They are likely available to you for a limited time at the full-cost rate for the coverage. The Smile On program is not a continuation of benefits. Instead, Smile On is available at any time you wish to enroll and allows you to choose an individual dental insurance plan that fits your budget and needs. Shop the plans.
Have more questions about Smile On?
Call us at 844-847-9516 to learn more about the Delta Dental individual and family plan options. Be sure to mention you were on a group plan.
- Plans purchased through the Smile On program are considered new coverage and not a continuation of any plan you may currently have. Please see the plan policy for a complete description of plan benefits, limitations and exclusions.
- Delta Dental Annual Market and Industry Trends Report, July 2021.
- Delta Dental PPO is offered in AL, CA, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, TX, UT, WV and DC. DeltaCare USA is available in CA, FL, MD, NV, NY, PA, TX, UT and DC.
- Delta Dental PPO plans are underwritten by Delta Dental Insurance Company in AL, DC (Policy IENT-P-CORE-DC-R24), 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-24) 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.
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