Tooth insurance can be hard to understand and even harder to find a plan that works with your budget and has good coverage. A popular plan with good coverage is Delta Dental PPO. This plan has many benefits. This blog will highlight the coverage of Delta Dental PPO, and the benefits that come with insuring individuals, families, and seniors.
What is Delta Dental PPO?
Delta Dental PPO is a type of dental insurance that is offered through Delta Dental, which has a broader coverage network than many plans. If you go to a dentist who is in the Delta Dental PPO network, you will have the most savings. However, you can visit any licensed dentist. Most Dental plans are quite a bit more restrictive, with coverage only available in small networks.
The major benefit to having a Delta Dental PPO plan is that members will have a lower out-of-pocket cost with participating providers.
What’s Included in Delta Dental PPO Coverage
One of the main benefits of Delta Dental PPO coverage is service options. These include both preventive care and more extensive dental services.
1. Preventive Care
- Routine exams
- X-rays
- Cleanings
Preventive services are covered at 100% by many Delta Dental PPO plans, often with no waiting periods. This means that Delta Dental will cover all the costs associated with your routine check-ups and cleanings, incentivizing you to practice good oral hygiene.
2. Basic and Major Services
Coverage is dependent on the specific plan you select. Services include fillings, extractions, crowns, and root canals. Most plans will cover somewhere around 50-80%, so you would be responsible for paying a certain percentage of the negotiated fee.
3. Specialist and Additional Services
Depending on the terms of your specific plan, certain Delta Dental PPO plans include coverage of orthodontics, periodontics, and prosthodontics after specific waiting periods.
Delta Dental’s PPO Plans: How It All Works
One of the most effective ways to understand how your insurance works for you is to understand how to save the most with your Delta Dental PPO plan.
Lower Dental Costs
One of the ways to save the most with your insurance is to go to dentists that are part of your PPO’s network. These are dentists who have agreed to provide services to patients for lower fees. This is how your plan will save you the most money.
Flexibility with Healthcare Providers
While patients will incur the most savings by choosing dentists in their plan’s network, the patient has the right to go to any licensed DDS or DMD regardless of network participation. However, patients should know that choosing a dentist outside of their PPO network will likely cause them to be responsible for a larger share of the costs.
Deductibles and Coinsurance
Delta Dental PPO insurance has yearly deductibles that apply to every patient. Additionally, there is coinsurance for coverage after the deductible is met. However, for most patients, if any, preventive services will be subject to the deductible. This will notably be the case for major restorative services and many basic restorative services. Every policy is different, so it is best to consult your plan for exact terms.
Delta Dental PPO Plans for Seniors
Delta Dental PPO plans for seniors need to accommodate for what dental care needs seniors may have. Here’s what seniors need to cover when considering a new Delta Dental plan:
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Extensive Coverage
Delta Dental PPO Plans have comprehensive dental care services, for example, dental cleaning, dental exams, fillings, crowns, dental implants, and more.
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Focus on Preventive Care
Most plans have a focus on preventive care and offer routine care at lower costs, which helps seniors keep their teeth healthy and avoid future expensive dental work.
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Flexibility in Dental Coverage
With Delta Dental PPO dental insurance, seniors can keep their dentist, especially if they’re already in the Delta Dental PPO network.
Top Delta Dental PPO Benefits You Need to Know
Choosing a dental insurance plan is about more than just cost — it’s about what benefits you receive:
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Lower Out-of-Pocket Costs
Since Delta Dental PPO dentists accept reduced, negotiated fees, your share of the bill is usually lower compared to out-of-network services.
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Coverage for Preventive Services
Routine preventive care, such as cleanings and exams, is generally covered at a higher level — often 100% — helping you save money and maintain optimal oral health.
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Flexible Access to Providers
Unlike some HMOs or restrictive dental plans, Delta Dental PPO dental insurance doesn’t lock you into one dentist — you can see any licensed dentist, although in-network dentists deliver the most value.
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No Claim Forms with In-Network Providers
When you visit a dentist in the Delta Dental PPO network, they typically process claim forms for you — a simple, stress-free experience.
Conclusion
Choosing the right dental insurance plan can make a significant difference in your overall oral health and financial well-being. Delta Dental PPO offers a flexible, cost-effective path to dental coverage with quality benefits and broad access to dentists. Whether you’re looking for Delta dental ppo plans for seniors, robust preventive coverage, or simply a dental insurance plan that works with your current dentist, Delta Dental PPO may be a great option for you. Book an appointment today!
