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As the largest dental provider network in the United States, Delta Dental Insurance offers outstanding choice to members of its group and individual plans. Delta plans are available at group rates through employers and other organizations including AARP, Costco, TRICARE, and Benefits Association, Inc. Delta Dental also offers individual and family dental coverage for self-employed individuals. Available Delta plans include premium PPO and HMO options as well as traditional fee-for-service plans.
The Delta Dental PPO plan is one of the most popular Delta dental insurance options for companies, since it offers a wide range of covered services and outstanding benefits for employees. The PPO plan typically features lower copayments and higher levels of benefits than other plans, especially for members who stay in-network for their care. Out-of-network services are allowed, but result in a higher level of financial liability for members. Delta’s PPO plans are subject to an annual maximum benefit and may require a deductible be paid before benefits for major procedures will be available.
For members that require less flexibility in selecting a provider, Delta Dental Insurance also offers the DeltaCare USA plans. These HMO plans require that members select a primary care dental provider and coordinate all covered care through that office. Delta dental HMOs require copayments for most procedures, although preventive and diagnostic services are usually available with little or no copayment required. Like medical HMOs, Delta’s dental HMOs usually do not feature annual maximum benefit amounts; specialty dental care and major procedures may require preauthorization by Delta Dental Insurance before services can be covered.
The fee-for-service plan offered by Delta Dental Insurance is called Delta Dental Premier. While it is not available in all areas, the plan incorporates additional benefits compared to most other fee-for-service plans, including lower costs for members who obtain their dental care through the Delta Dental network. The Delta Dental Premier plan pays a percentage of covered procedures and features a maximum annual benefit and a deductible that must be paid before benefits will be available to members. Percentage amounts covered vary depending on the service and the coverage selected. Indemnity plans typically are available at lower cost than PPO or HMO options, making them an attractive alternative for companies and individuals looking for basic dental coverage while minimizing costs.
Delta dental insurance is available for individuals and families through the DeltaCare USA family of plans. DeltaCare USA offers members the convenience and security of predictable copayment amounts, no annual maximum benefit or deductibles for covered services, and the choice of primary care dentists from throughout the Delta dental care network. Other options for individuals not sponsored by an employer include group plans through AARP and other national organizations, which can provide dental coverage at a significant savings over non-group dental insurance. Delta Dental offers a wide range of products designed to meet the needs of companies and individuals across the United States.