Delta Dental insurance coverage is enjoyed by both consumers and practitioners alike. It’s widely accepted by dentists in Ohio, Indiana, Michigan, and nationwide.
They offer three plans to choose from. One is designed for preventive care only. The other two also cover basic and major services. Their benefits are robust and the premiums are affordable.
Sometimes you’ll hear the phrase “trading dollars” when it comes to dental insurance coverage. In other words, you pay the insurance company to pay your provider, but you don’t necessarily save money. That’s not the case with Dental Dental policies.
Premiums are affordable and benefits are robust. The preventive coverage plan is approximately $17 per month. It includes two cleanings, x-rays, and fluoride treatment with no copays or deductibles.
The next two plans cover preventive, basic, and major services. They both have a $50 deductible. Premiums range from approximately $38 – $50 per month.
Plan maximums range from $1,000 -$1,200 per year. The percentage the insurance company pays towards cavities, crowns, root canals, bridges, etc. will depend on the plan. Orthodontics are not covered under any plan. We have others to consider if that’s a need for your family.
Policies provide more benefits in year 2 than in year 1. It’s always a good idea to buy coverage before a big need arises.
Assuming you take advantage of these benefits, you’ll very likely save money than by going without coverage.
Once purchased, all Delta Dental plans begin coverage on the first of the next month.
And there are no waiting periods for preventive, basic, or major services. Your benefits begin right away.
That’s different than most other dental plans sold today. Most companies have waiting periods of 6 months for basic services and 12 months for major items. You save money when your benefits begin immediately.
And with Delta, your plan pays an even higher percentage in year 2 than in year 1. Graded benefits plans are beneficial for the long haul. It’s helpful when your insurance company covers even more after year 1.
You can use your Delta dental plan all across the country. They have one of the largest networks available. When we ask providers directly, their name is always at the top of the list.
Using our no-cost enrollment platform, you can quote and enroll for Ohio, Michigan, and Indiana zip codes. Should you reside in another state, please use this link here to view plans and enroll directly.
We represent many companies for dental & vision plans. If you’re unsure which one might best fit your needs, call us today. We are here to help you compare all of your best options.
Hyers and Associates is an independent insurance brokerage. We work with Delta Dental and several other insurance companies direct. There are no extra costs to use our services.
With us, you can compare all of your dental & vision insurance options. Contact us to learn more today!
