September 13, 2017
The type of dental plan that’s right for you depends on your personal preferences: Would you pay slightly more to enjoy the flexibility of visiting any dentist? Or is a low price a priority?
Here’s what you need to know:
Preferred Provider Organization (PPO) plan allows you to visit any licensed dentist, but Delta Dental has established lower fees with our in-network dentists to help you save money. Use our Find a Dentist tool to see if your dentist is in our network, or to find one who is. You can also use the Delta Dental mobile app to find a network dentist.
A Dental Health Maintenance Organization (DHMO), or prepaid plan, lets you pay a fixed dollar amount for treatments, and has no deductibles or annual maximums. Preventive services like exams and cleanings are covered at little to no out-of-pocket costs to you, as long as you visit your selected in network DHMO primary care dentist (exceptions apply in some states). To find a DeltaCare® USA (DHMO) dentist, use our Find a Dentist tool.
Dental Savings Programs, also called discount plans or cards, give you access to certain dentists who have agreed to charge discounted fees for select services. You pay the dentist directly with no need to file claims or fill out paperwork
PPO plans: Slightly higher premiums, but you’ll be able to choose any dentist.
DHMO plans: Lower premiums, but your dentist options are limited.
Discount plans: Discounts available on certain procedures with specific dentists.
Ready to purchase a dental plan? Visit individual.deltadentalmo.com to purchase a plan or find additional information.