Delta Dental insurance, known as “America’s largest and most trusted dental benefits carrier,” earned this title for a reason. Currently, they provide dental insurance coverage to almost 60 million Americans. At last count, that number represents over one third of the 166 million Americans with dental insurance, according to their website.
What does this mean for you? Well, when you need dental treatment Delta Dental insurance has you covered. Their network includes more than 142,000 dentists – the largest network of dentists in the United States.
If you’ve ever struggled to find a high-quality dentist in your network, Delta Dental might have one just for you. Four out of five dentists are members of the Delta Dental network.
Although they have a growing network of participating PPO dentists, most Delta Dental insurance plans also cover partial treatment costs outside of their supported network.
Now that you can see why Delta Dental is a trusted dental insurance provider, we’ll provide more information about the type of plans they offer and the benefits. Whether Delta Dental Insurance is the right choice for you and your family will greatly depend on your location, health condition and budget.
What information is included below:
- Employee Dental Benefit Plans
- Individual & Family Dental Insurance Plans
- Popular Delta Dental Insurance Plans
Delta Dental Insurance Coverage
Delta Dental offers group insurance plans for employers as well as individual dental plans. Whether you’re researching dental insurance plans for yourself or your entire company, the resources below may be able to help you make a well-informed decision.
Employee Dental Benefit Plans
While employers are cutting back on health insurance benefits to make ends meet, many are cutting out dental coverage altogether. This may seem like a good way to save money, but according to a recent study you may be putting your employees health at risk.
Research has found that 90 percent of all systemic diseases can be detected during a dental exam based on certain oral health indicators. Cutting dental insurance benefits could cause employees to miss early warning signs of diabetes, leukemia, cancer, heart disease and kidney disease. The connection between dental treatment and your employees overall health is undeniable.
That being said, providing dental insurance coverage for your employees doesn’t have to cost you a fortune.
The Delta Dental PPO plan is one of the most common group dental benefits plan available. Their PPO network offers access to 50 percent of providers nationwide. Due to the ongoing relationship between Delta Dental and their network of dentists, PPO plans offer affordable treatment options for both employers and employees.
Want to know more about PPO? Start here: What is PPO Dental Insurance?
On the other hand, the Delta Dental Premier network provides access to nearly 80 percent of all dental providers in all 50 states.
The good news is that no matter where your employees live in the United States they’re covered by the Delta Dental network. Even if they live outside of the state where your headquarters are located.
Individual & Family Dental Insurance
When shopping for individual dental insurance there are a number of factors to consider before making the switch.
One of the most important questions to ask is whether your current dentist accepts Delta Dental insurance. If you have a great relationship with your dentist and don’t want to pay a fortune in out-of-network costs, it may be helpful to have them recommend an insurance provider. But as we pointed out, the Delta Dental insurance network includes almost 4 out of 5 dentists nationwide so it’s unlikely that they don’t participate.
For many families, where they have dental work completed is less important than the cost of treatment. If your current dentist is not in the Delta Dental insurance network, it may not be a very hard decision for you to switch offices. In-network dentists can offer substantial savings to both individuals and families.
Whether we like to admit it or not, dental insurance is a luxury for many families in the United States. Even though there are a number of affordable plans available from Delta Dental, sometimes there still isn’t enough room in the monthly budget for dental insurance.
It may be easy to postpone dental treatment until your financial situation improves, but getting dental treatment is unavoidable. Eventually, lack of preventative treatment catches up with everyone, not matter what financial situation they’re in.
How should families pay for unexpected dental treatment?
A few dental insurance alternatives include discount dental plans, CareCredit financing or low interest credit cards. Want to find out what other options are available? Consider reading our ultimate guide on dental insurance alternatives.
Dental Insurance Alternatives:
- Discount Dental Plans
- CareCredit Financing
- Low Interest Credit Cards
While these alternatives do not pay for preventive care or offer treatment coverage, they do provide the means to make dental care more affordable. For example, a discount dental plan in combination with a no interest credit card offer can turn a substantial dental bill into manageable monthly payments. But, this is just one example of how families are paying for dental care when they cannot afford Delta Dental Insurance coverage.
Delta Dental Insurance Plans
Delta Dental offers a number of plans to meet your dental care needs. When shopping for dental insurance coverage there are many factors to consider beyond just price.
For instance, it is important to carefully research the number of in-network dental offices near your home or office. Although the Delta Dental insurance Network is in all 50 states, a long commute to your dentist could prevent you from getting regular dental treatment.
You will also want to research whether your dentist uses “balance billing” to charge you the difference between the treatment cost and your insurance coverage. Delta Dental policy holders can enjoy the peace of mind that participating dentists are prohibited from balance billing.
One last item to consider is how treatment costs and payments are handled at the dental office. Choosing a dental insurance plan that makes getting treatment easy and stress-free is usually a high-priority for most families.
Delta Dental insurance requires no claims to be submitted by you, because all in-network dentists file claims directly with the insurance company. There are no reimbursement checks to deal with because dentists have agreed to accept Delta Dental’s negotiated fee and the patients co-payment as full payment.
Delta Dental Premier
The Delta Dental Premier plan is a network-based fee-for-service plan. This allows policyholders to visit the dentist of their choice worldwide while still being covered.
One advantage of this plan is that dentists within the Delta Dental insurance network only charge predetermined fees for treatment as set by Delta Dental. Patients do not have to worry about additional out of pocket costs that result from “balance billing.”
The Premier plan means reduced paperwork for policyholders. In fact, in-network dentists handle all of the claim processing on behalf of their patients.
Only the Delta Dental Premier plan offers access to the largest network of dentists in the United States. Currently, 4 out of 5 dentists participate in the Delta Dental Premier network. That includes over 142,000 dentists and 251,000 office locations nationwide.
Delta Dental PPO
The Delta Dental PPO plan is popular among groups because it offers significant savings to both employers and policyholders.
According to the Delta Dental insurance website, a study found that the discounts offered by the PPO dental insurance plan is among the industry’s best “effective discount.” Meaning, the negotiated fees charged by dentists in the Delta Dental PPO network are almost 20% less nationwide compared to average treatment costs.
Patients are allowed to visit any dentist whether they’re in-network or not. However, patients can take advantage of significant savings by using a Delta Dental PPO network dentist.
It should not be difficult to find an in-network dentist near you considering the Delta Dental PPO network includes almost 84,000 dentists in over 168,000 locations nationwide.
Unlike the Premier and PPO plans, the DeltaCare USA plan is a national Dental Health Maintenance Organization (DHMO). This plan has less flexibility but offers lower costs with minimal or no copayments for preventive care.
Patients are only allowed to visit a dentist that is selected upon enrollment from a list of primary care dentists in the Delta Dental insurance network. The DeltaCare USA plan offers a selection of almost 40,000 dental offices nationwide.
The dentists in this network are carefully selected based on experience, services, location and accessibility. Like the other Delta Dental plans, DHMO insurance coverage means all claims are filed by the dentists and there is minimal paperwork for the policyholder.
Want the full scoop on DHMO’s? Start here: What is DHMO Dental Insurance?
Is Delta Dental Available Near You?
As we covered above, the Delta Dental network is the largest in the United States with more than 142,000 participating dentists. But, if you’ve ever tried to research dental insurance options online, I’m sure you quickly found out that insurance laws and restrictions vary greatly in each state.
So, if you want to find out if the Delta Dental insurance network is available near you, feel free to use our state resources to continue your research as well as other potential dental insurance alternatives.