Delta Dental Insurance Coverage: What You Need to Know

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Keeping your dental health in check is crucial in maintaining overall good health. Regular dental checkups, cleanings, and treatments can be quite expensive, especially if you do not have dental insurance. This is why Delta Dental insurance coverage is essential for many individuals and families. In this article, we will explore what Delta Dental insurance coverage is, what it covers, and how to sign up for it.

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What is Delta Dental Insurance?

Delta Dental Insurance is a dental insurance company that covers over 80 million Americans. The company offers dental insurance plans to individuals, families, and businesses. The Delta Dental network includes over 155,000 dentists across the country, making it one of the largest dental networks in the United States.

Delta Dental offers several dental insurance plans that vary in coverage and price. The company offers both PPO and HMO plans, giving customers a wide range of options to choose from.

Delta Dental PPO Plans

The Delta Dental PPO plan is a traditional dental insurance plan that allows customers to choose any dentist in the Delta Dental network. The plan covers a percentage of the cost of dental treatments, and customers are responsible for paying the remaining balance.

The Delta Dental PPO plan has several benefits:

  • Customers can choose any dentist in the Delta Dental network.
  • Coverage includes preventative care like cleanings and checkups, as well as major dental services like root canals and crowns.
  • The plan has a maximum annual benefit limit, which means that once you reach the limit, you are responsible for paying any additional costs.

Delta Dental HMO Plans

The Delta Dental HMO plan is a managed care dental plan that requires customers to choose a primary care dentist from the Delta Dental network. The primary care dentist is responsible for managing the customer’s dental care and referring them to specialists if necessary.

The Delta Dental HMO plan has several benefits:

  • Customers can choose from a network of dentists who have been pre-screened and selected by Delta Dental.
  • Coverage includes preventative care like cleanings and checkups, as well as major dental services like root canals and crowns.
  • The plan has no annual maximum benefit limit, which means you can get as much dental work done as you need without worrying about reaching a limit.

What Does Delta Dental Insurance Cover?

Delta Dental Insurance covers a wide range of dental treatments and procedures. The coverage varies depending on the plan you choose, but here are some of the common treatments and procedures that are covered:

Treatment/Procedure
Coverage
Preventative care (cleanings, checkups)
Usually covered at 100%
Basic restorative care (fillings, extractions)
Usually covered at 80%
Major restorative care (root canals, crowns)
Usually covered at 50%
Orthodontic treatment (braces)
Usually covered at 50%

It is important to note that each plan has its own coverage limits and restrictions. You should carefully review the coverage details of each plan to determine which one is right for you.

How to Sign Up for Delta Dental Insurance

Signing up for Delta Dental Insurance is a simple process. Here are the general steps:

  1. Visit the Delta Dental website and select the plan you want.
  2. Enter your zip code to find a list of dentists in your area.
  3. Choose a dentist from the list and enroll in the plan.
  4. Pay the monthly premium.
  5. Schedule an appointment with your new dentist.

It is important to note that some plans may require a waiting period before certain treatments are covered. You should review the details of each plan carefully before you enroll.

FAQs

What is Delta Dental Insurance?

Delta Dental Insurance is a dental insurance company that covers over 80 million Americans. The company offers dental insurance plans to individuals, families, and businesses.

What does Delta Dental Insurance cover?

Delta Dental Insurance covers a wide range of dental treatments and procedures, including preventative care, basic restorative care, major restorative care, and orthodontic treatment. The coverage varies depending on the plan you choose.

How do I sign up for Delta Dental Insurance?

You can sign up for Delta Dental Insurance by visiting the Delta Dental website and selecting the plan you want. You will need to enter your zip code to find a list of dentists in your area, choose a dentist from the list, and pay the monthly premium.

Are there waiting periods for Delta Dental Insurance?

Some Delta Dental Insurance plans may have waiting periods before certain treatments are covered. You should review the details of each plan carefully before you enroll.

Can I choose any dentist with Delta Dental Insurance?

With Delta Dental PPO plans, you can choose any dentist in the Delta Dental network. With Delta Dental HMO plans, you must choose a primary care dentist from the Delta Dental network.

Is Delta Dental Insurance expensive?

The cost of Delta Dental Insurance varies depending on the plan you choose and the state you live in. You should review the details of each plan carefully to determine the cost.

Conclusion

Delta Dental Insurance coverage is essential for maintaining good dental health. The company offers a wide range of dental insurance plans that cover preventative care, basic restorative care, major restorative care, and orthodontic treatment. Signing up for Delta Dental Insurance is a simple process, and the company’s large network of dentists makes it easy to find a provider in your area. By enrolling in Delta Dental Insurance, you can ensure that you and your family receive the dental care you need without breaking the bank.

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