Delta Dental Insurance California: Everything You Need to Know

If you’re a resident of California, dental care costs can be quite high. According to a survey by the California HealthCare Foundation, over 50% of adults in the state said that they had delayed getting dental care due to the high cost of treatment. This is where dental insurance comes in handy, and Delta Dental is one of the leading providers in California. In this article, we’ll take a close look at Delta Dental insurance in California and understand how it works, what plans it offers, and how you can sign up for it.

What is Delta Dental Insurance?

Delta Dental is a network of dental insurance companies that provide coverage to over 80 million Americans in all 50 states. Delta Dental offers a range of dental insurance plans that cater to different budgets and needs. The company has been around for over 60 years and has built a strong reputation for providing high-quality dental care to its members at affordable rates.

Delta Dental has a wide network of dentists and specialists across California, which makes it easy for members to find a provider near them. Members can also access Delta Dental’s online tools and resources to manage their benefits, find a provider, and track their claims.

How Does Delta Dental Insurance Work?

Delta Dental offers two types of insurance plans – Dental PPO and Dental HMO. Both plans cover preventive care such as routine check-ups, cleanings, and x-rays. The plans also cover basic and major dental procedures such as fillings, root canals, and crowns. However, there are some differences between the two plans that you should be aware of.

Dental PPO

The Dental PPO plan is a preferred provider organization plan that allows members to see any dentist they choose. However, members can save more on their dental care costs if they visit a dentist within Delta Dental’s network. The plan offers a higher level of flexibility compared to the Dental HMO plan, but it also comes with a higher cost.

Dental HMO

The Dental HMO plan is a health maintenance organization plan that requires members to choose a primary care dentist from within Delta Dental’s network. Members can only see specialists with a referral from their primary care dentist. The plan offers a lower cost compared to the Dental PPO plan, but it also comes with less flexibility.

Both plans have a maximum benefit amount that covers the cost of dental care each year. Members are responsible for paying a deductible and a copayment for each visit or procedure based on their plan’s benefits.

Delta Dental Insurance Plans in California

Delta Dental offers a range of dental insurance plans in California that cater to different budgets and needs. The plans are categorized based on the level of coverage they provide, the network of providers, and the cost.

Delta Dental PPO

The Delta Dental PPO plan is a preferred provider organization plan that offers a high level of flexibility to its members. Members can see any dentist they choose, but they can save more on their dental care costs if they visit a dentist within Delta Dental’s network. The PPO plan offers three coverage levels – Basic, Premier, and Pinnacle – that vary in terms of the level of coverage and cost.

Basic Plan

The Basic Plan is the most affordable plan offered by Delta Dental PPO. The plan covers preventive care such as routine check-ups, cleanings, and x-rays at 100%. It also covers basic and major dental procedures such as fillings, root canals, and crowns at a percentage of the cost. The Basic Plan has an annual maximum benefit of $1,500 per person.

Premier Plan

The Premier Plan is a mid-level plan that offers a higher level of coverage compared to the Basic Plan. The plan covers preventive care at 100% and basic and major dental procedures at a higher percentage than the Basic Plan. The Premier Plan has an annual maximum benefit of $2,000 per person.

Pinnacle Plan

The Pinnacle Plan is the highest coverage plan offered by Delta Dental PPO. The plan covers preventive care at 100%, basic and major dental procedures at a higher percentage than the Premier Plan, and orthodontic care for children and adults. The Pinnacle Plan has an annual maximum benefit of $2,500 per person.

Delta Dental HMO

The Delta Dental HMO plan is a health maintenance organization plan that offers a lower cost to its members. The plan requires members to choose a primary care dentist from within Delta Dental’s network and can only see specialists with a referral. The HMO plan offers three levels of coverage – DHMO, DeltaCare, and DeltaCare USA – that vary in the level of coverage and cost.

DHMO Plan

The DHMO Plan is the most affordable plan offered by Delta Dental HMO. The plan covers preventive care, basic and major dental procedures, and orthodontic care for children at a percentage of the cost. The DHMO Plan has a maximum benefit amount of $1,000 per person per year.

DeltaCare Plan

The DeltaCare Plan is a mid-level plan that offers a higher level of coverage compared to the DHMO Plan. The plan covers preventive care, basic and major dental procedures, and orthodontic care for children and adults at a higher percentage than the DHMO Plan. The DeltaCare Plan has a maximum benefit amount of $1,500 per person per year.

DeltaCare USA Plan

The DeltaCare USA Plan is the highest coverage plan offered by Delta Dental HMO. The plan covers preventive care, basic and major dental procedures, and orthodontic care for children and adults at the highest percentage. The DeltaCare USA Plan has a maximum benefit amount of $2,000 per person per year.

FAQ

Conclusion

Delta Dental insurance in California is a great option for those looking for affordable dental care. The company offers a range of insurance plans that cater to different budgets and needs. Whether you choose the Dental PPO or Dental HMO plan, you can be assured of high-quality dental care and a wide network of providers. If you’re looking to sign up for Delta Dental insurance in California, be sure to check out the various plans and options that are available to you.