Delta Dental Insurance 101
Below is a MRR and PLR article in category Finance -> subcategory Insurance.
Delta Dental Insurance 101
Overview
Delta Dental Plans Association, commonly known as Delta Dental, is a leading dental insurer in the United States. As a not-for-profit organization, Delta Dental offers a variety of dental plans to companies nationwide, focusing on improving access to dental care. Currently, Delta Dental provides coverage to over 46 million people through more than 80,000 employers and agencies.
Plan Options
Delta Dental offers three major plan types, each tailored to meet different needs. Benefits and costs vary based on location and employer.
1. Delta Dental Premier
Formerly known as DeltaPremierUSA, Delta Dental Premier is a traditional fee-for-service plan allowing you to visit any dentist, whether within or outside their network. The dentist bills Delta Dental directly, and they pay a set amount of the bill. You then pay the remainder.
Example: Delta Dental pays $45 for a filling while your dentist charges $60. You pay $15.
2. Delta Dental PPO (Preferred Provider Option)
This plan operates similarly to the Premier plan, where you can visit any dentist. However, costs are lower with dentists in Delta’s Preferred Provider network. Delta generally covers a percentage of the service fee, and the dentist handles all paperwork and claims.
Example: For a $210 extraction, Delta Dental covers 70%, and you pay $63.
3. DeltaCare HMO
Focusing on prevention and maintenance, DeltaCare requires you to select a primary care dentist responsible for your dental needs. For specialty services like orthodontics or oral surgery, a referral is needed. Co-payments are typically low or nonexistent.
Example: A $10 co-payment for office visits, regardless of the procedure.
Conclusion
The cost and availability of Delta Dental plans depend on the enrolling company. As the largest provider of dental insurance in the nation, Delta Dental generally offers lower costs than most other plans.
You can find the original non-AI version of this article here: Delta Dental Insurance 101.
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