Get to know your plan

Coverage and costs

You'll pay only a percentage of costs, called coinsurance, plus any deductibles. Get to know more about your plan below, or check your benefits details. You don't need to show your ID card to your dentist to show you're covered. Want one anyway?

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Dentists you can visit

You can visit any dentist, but you'll likely save the most with a Delta Dental PPO network dentist. Or, you can visit a Delta Dental Premier® dentist and still get some savings.

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Knowing how your benefits work helps you get the most value from your plan. Check your benefits details to find your maximums, deductibles and coinsurance for certain services.

Coninsurance

Your plan pays a percentage of the treatment cost for covered services. You are responsible for paying the balance, called coinsurance. The coinsurance is part of your out-of-pocket costs after you meet your deductible.

Coverage levels

Your plan offers different categories of coverage, each covered at a different percentage. Typically, cleanings are covered at the highest percentage, then basic procedures (such as fillings) at a lower percentage, followed by major procedures (such as crowns).

Deductible

A deductible (or annual deductible) is the amount you pay each plan year before your plan starts paying for treatment. Your plan may include both an individual and a family deductible

Maximums

A maximum is the most your plan pays each plan year. You're responsible for paying any remaining costs. Your plan may have a lifetime maximum for certain services, as well as individual and family annual maximums.

Limitations and exclusions

Dental plans may not cover every need. Plans often have limits such as the number of cleanings covered each year. Also, some procedures may not be covered (called exclusions). Review your benefit details to see any limitations or exclusions for your plan.