Who is Delta Dental?
Originally founded in 1966 as a way to coordinate dental insurance for companies with employees in multiple states, Delta Dental today offers quality, cost-effective dental insurance in all 50 states, Puerto Rico, and other U.S. territories. Made up of 39 independent companies, Delta Dental provides access to the largest nationwide network of dentists and currently serves more than 80 million Americans.
In this brief article, we’ll learn more about the plans offered by Delta Dental, how much you might expect to pay, and where you can turn if you’d like to learn more.
Which Plans Does Delta Dental Offer?
Delta Dental offers a total of five different plans, depending on the state in which you live.
Here’s a quick table outlining the high-level similarities and differences between each of the company’s plans.
|Dental Plan Type||Dentist Network Size||Insurance Premium||Annual max||Deductible||Copayment|
|Delta Dental PPO||PPO||Medium||Moderate||Yes||Yes||Yes|
|Delta Dental Premier||Managed fee for service||Larger||Higher||Yes||Yes||Yes|
|Delta Dental PPO Plus Premier||PPO||Largest||Highest||Yes||Yes||Yes|
|DeltaCare USA (HMO)||Dental HMO||Small||Lowest||No||No||Yes|
|Delta Dental Patient Direct||Discount Plan||Medium||Moderate||No||No||N/A|
Keep in mind that if your plan has a waiting period, it may be waived on certain products if you currently have dental insurance coverage in place.
With this said, how much might you pay for each of these plans? Let’s dive in and take a closer look in the next section.
How Much Do Delta Dental Plans Cost?
The Delta Dental plans available to you and how much you’ll pay for each one depends on the state in which you live, as well as your zip code. Let’s see how their costs differ in two states: Louisiana and Colorado.
Delta Dental Plan Costs in Louisiana
For example, in Louisiana (zip code 70032, DOB 1/1/52, and a coverage start date of 2/1/22), the company offers two different plans:
Delta Dental PPO Premium Plan: $26.53 per month — This is Delta Dental’s most comprehensive plan, which provides immediate, 100 percent coverage for essential preventive care, in addition to lower out-of-pocket costs. Coverage for fillings and teeth whitening is available after six months, and root canals, crowns, dentures, and tooth implants are covered after 12 months.
There is a $50 annual deductible and a $1,500 annual maximum, with access to 1,050 general dentists in the network.
Delta Dental PPO Basic Plan: $13.42 per month — This plan also offers 100 percent coverage for essential preventive care, including fillings and tooth removals after six months. However, there is no coverage for teeth whitening, root canals, or crowns.
Like the Premium Plan, the PPO Basic Plan comes with a $50 annual deductible and access to 1,050 in-network general dentists, but with a lower $1,000 annual maximum.
Now, let’s switch gears and take a look at Dental Dentals Colorado plans.
Delta Dental Plan Costs in Colorado
Delta Dental offers five different plans in Colorado (80210 zip code, same DOB, and coverage effective date). Here’s how their rates, coverages, and details compare to Louisiana:
|Plan||Cost||Office Visit Copayment||Plan Dollar Maximum Per Person Per Year||Deductible Per Calendar Year||Annual Contract Required?||Waiting Periods|
|Progressive Plan||$63.75/mo||None||Year 1: $1,500; Year 2: $1,750; Year 3: $2,000||$50 per person per plan year||Yes||None|
|Premium Plan||$70/mo||None||$2,000||$100 per person; once per lifetime for as long as policy is in force||Yes||May apply|
|Enhanced Plan||$48/mo||None||$1,000||$50 per person||Yes||May apply|
|Basic Plan||$26.75/mo||$15||$1,000||None||Yes||May apply|
How Can You Learn More About Your Best Dental Companies?
Whether you’re interested in Dental Dental or another dental service provider, the team at IHS Insurance Group is here to answer all your questions and help you find a provider that meets your coverage and budgetary needs. Contact us today for immediate, friendly assistance!
Need a FREE Quote or have questions regarding Dental Insurance Coverage? We have three convenient ways to reach us:
- If you prefer to talk to a licensed agent directly, please call (866) 480-5063.
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- Lastly, for those that want an immediate quote, please click HERE.
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