When it comes to maintaining good oral health, you need reliable insurance coverage that can help you afford regular checkups, cleanings, and more extensive dental procedures. One of the most trusted names in dental insurance is Delta Dental, with a range of plans designed to meet the needs of individuals, families, and employers. In this article, we’ll explore the benefits of Delta Dental insurance plans, how they work, and what you can expect when you sign up. From basic coverage to more comprehensive options, Delta Dental has you covered.
What Is Delta Dental?
First, let’s take a closer look at what Delta Dental is and what it offers. Delta Dental is a not-for-profit organization that provides dental insurance to millions of Americans across the country. Delta Dental offers two main types of plans: PPO and HMO. PPO (Preferred Provider Organization) plans allow members to choose from a network of dentists who have agreed to provide services at a discounted rate, while HMO (Health Maintenance Organization) plans require members to choose a primary care dentist who coordinates all their dental care. Delta Dental also offers a range of optional coverage options, such as vision and hearing care, to supplement its dental plans.
Delta Dental PPO Plans
Delta Dental PPO plans are designed to give you maximum flexibility when it comes to choosing a dentist. With a PPO plan, you can visit any licensed dentist, but you’ll save money by choosing a dentist who is in the Delta Dental network. You’ll pay lower out-of-pocket costs for dental procedures, and you won’t have to file any claims yourself. Delta Dental PPO plans also cover preventative care, basic procedures like fillings and extractions, and major procedures like root canals and crowns. Some PPO plans also come with orthodontic coverage, which can be helpful if you or your dependents need braces.
Delta Dental HMO Plans
If you’re looking for a more structured approach to dental care, Delta Dental HMO plans may be a good fit for you. With an HMO plan, you’ll choose a primary care dentist who is responsible for coordinating all your dental care. You’ll need to get referrals for any specialist care you need, but you’ll pay less out of pocket for dental procedures overall. Delta Dental HMO plans also cover preventative care, basic procedures, and major procedures, as well as orthodontic coverage for some plans. You’ll save money on dental care with an HMO plan, but you’ll also have more restrictions on which dentists you can see and which procedures you can get without a referral.
What Does Delta Dental Cover?
Now that we’ve explored the different types of plans Delta Dental offers, let’s take a closer look at what each plan covers. Delta Dental plans cover a wide range of dental procedures, including preventative care like checkups and cleanings, basic procedures like fillings and extractions, and major procedures like root canals and crowns. Some plans also offer orthodontic coverage for braces and other dental appliances.
Preventative Care
Preventative care is the foundation of good dental health, and Delta Dental plans make it easy and affordable to get regular checkups and cleanings. Preventative care includes routine exams, x-rays, cleanings, and fluoride treatments. Most Delta Dental plans cover preventative care at 100%, meaning you won’t have to pay anything out of pocket for these services.
Basic Procedures
If you need to have a cavity filled or a tooth extracted, Delta Dental plans have you covered. Basic procedures include fillings, extractions, and other simple treatments. Delta Dental PPO plans typically cover basic procedures at 80%, while HMO plans cover them at a higher rate.
Major Procedures
More extensive dental procedures can be expensive, but with Delta Dental insurance, you can get the care you need without breaking the bank. Major procedures include root canals, crowns, and bridges. Delta Dental PPO plans typically cover major procedures at 50%, while HMO plans cover them at a higher rate.
Orthodontic Coverage
Orthodontic coverage is an optional add-on to many Delta Dental plans, and can be a lifesaver if you or your dependents need braces. Orthodontic coverage typically covers a percentage of the cost of braces or other dental appliances, up to a certain amount.
What Are the Benefits of Delta Dental Insurance?
Now that we’ve explored the different types of plans and what they cover, let’s take a closer look at the benefits of Delta Dental insurance.
Broad Coverage
Delta Dental plans cover a wide range of dental procedures, from routine checkups and cleanings to more extensive treatments like root canals and crowns. With Delta Dental insurance, you can get the care you need to maintain good oral health without worrying about the cost.
Flexible Plans
Delta Dental offers a range of plans to meet the needs of individuals, families, and employers. Whether you’re looking for basic coverage or more comprehensive options, Delta Dental has you covered.
Network of Dentists
One of the biggest advantages of Delta Dental insurance is its network of dentists. With a Delta Dental PPO plan, you can choose from a network of dentists who have agreed to provide services at a discounted rate. With a Delta Dental HMO plan, you’ll choose a primary care dentist who coordinates all your dental care. Either way, you’ll have access to top-quality dental care from licensed professionals.
Affordability
Dental care can be expensive, but with Delta Dental insurance, you’ll be able to get the care you need without breaking the bank. Delta Dental plans offer affordable premiums, low deductibles, and low out-of-pocket costs for dental procedures.
FAQ: Delta Dental Insurance Plans
Q: |
How do I know if my dentist is in the Delta Dental network? |
A: |
You can search for a Delta Dental dentist online or call Delta Dental customer service for assistance. |
Q: |
What’s the difference between a PPO and an HMO plan? |
A: |
A PPO plan allows you to choose from a network of dentists and typically has higher out-of-pocket costs, while an HMO plan requires you to choose a primary care dentist and has lower out-of-pocket costs. |
Q: |
Do Delta Dental plans cover cosmetic procedures like teeth whitening? |
A: |
Delta Dental plans do not generally cover cosmetic procedures that are not medically necessary. |
Q: |
Can I get orthodontic coverage with a Delta Dental plan? |
A: |
Orthodontic coverage is an optional add-on to many Delta Dental plans, and can be a lifesaver if you or your dependents need braces. Check with your plan to see if this coverage is available. |
Conclusion
Delta Dental insurance plans offer comprehensive coverage for individuals, families, and employers who need reliable and affordable dental care. With a range of PPO and HMO plans, as well as optional coverage options like vision and hearing care, Delta Dental has you covered for all your dental needs. Whether you’re looking for basic coverage or more comprehensive options, Delta Dental can help you maintain good oral health without breaking the bank.