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Delta Dental Insurance

Delta Dental Insurance is one of the largest and most popular dental insurance providers in the United States, covering over 80 million people across the country. With a wide range of plans and a large network of dentists, Delta Dental is a great option for individuals, families, and businesses looking for affordable and comprehensive dental coverage. In this article, we will explore the different plans offered by Delta Dental, their features, and pricing, as well as compare them to help you make an informed decision.

History of Delta Dental

Delta Dental was founded in 1954 with the goal of providing affordable dental care to the public. Since then, it has grown to become one of the largest dental insurance providers in the country, with a network of over 155,000 dentists. Delta Dental is a not-for-profit organization, which means that any surplus funds are reinvested into the company to improve services and reduce costs for customers.

Individual and Family Plans

Delta Dental offers a range of individual and family plans to suit different needs and budgets. These plans are designed for individuals and families who are not covered by an employer-sponsored dental plan. Here are some of the individual and family plans offered by Delta Dental:

Delta Dental PPO

The Delta Dental PPO plan is a popular choice for individuals and families. It offers a wide range of benefits, including:

  • Network: Access to Delta Dental’s large network of dentists
  • Coverage: 100% coverage for preventive care, 80% coverage for basic care, and 50% coverage for major care
  • Deductible: $50 individual, $150 family
  • Annual Maximum: $1,500

Delta Dental Premier

The Delta Dental Premier plan offers more comprehensive coverage than the PPO plan, including:

  • Network: Access to Delta Dental’s large network of dentists
  • Coverage: 100% coverage for preventive care, 90% coverage for basic care, and 60% coverage for major care
  • Deductible: $50 individual, $150 family
  • Annual Maximum: $2,000

Delta Dental HMO

The Delta Dental HMO plan is a more affordable option that requires you to choose a primary care dentist from Delta Dental’s network. It offers:

  • Network: Limited to Delta Dental’s HMO network
  • Coverage: 100% coverage for preventive care, 80% coverage for basic care, and 50% coverage for major care
  • Deductible: $0
  • Annual Maximum: $1,000

Group Plans

Delta Dental also offers group plans for businesses of all sizes. These plans are designed to provide comprehensive dental coverage for employees and their families. Here are some of the group plans offered by Delta Dental:

Delta Dental PPO

The Delta Dental PPO plan for groups offers:

  • Network: Access to Delta Dental’s large network of dentists
  • Coverage: 100% coverage for preventive care, 80% coverage for basic care, and 50% coverage for major care
  • Deductible: $50 individual, $150 family
  • Annual Maximum: $1,500

Delta Dental Premier

The Delta Dental Premier plan for groups offers:

  • Network: Access to Delta Dental’s large network of dentists
  • Coverage: 100% coverage for preventive care, 90% coverage for basic care, and 60% coverage for major care
  • Deductible: $50 individual, $150 family
  • Annual Maximum: $2,000

Comparison of Plans

Here is a comparison of the individual and family plans offered by Delta Dental:

PlanNetworkCoverageDeductibleAnnual Maximum
PPOLarge network100% preventive, 80% basic, 50% major$50 individual, $150 family$1,500
PremierLarge network100% preventive, 90% basic, 60% major$50 individual, $150 family$2,000
HMOLimited network100% preventive, 80% basic, 50% major$0$1,000

Pricing

The pricing of Delta Dental plans varies depending on your location, age, and family size. Here are some approximate prices for individual and family plans:

  • PPO: $30-$50 per month for individuals, $80-$120 per month for families
  • Premier: $40-$70 per month for individuals, $120-$180 per month for families
  • HMO: $20-$30 per month for individuals, $50-$80 per month for families