What Influences Your Dental Benefit Costs?
Dental benefits can be complex – monthly premiums, annual maximums, deductibles, and more leave you with a lot to consider. But one thing’s for sure – oral health is an essential part of a healthy lifestyle. And you are more than twice as likely to visit the dentist regularly when you have dental benefits.
Costs can vary for a couple of reasons:
Consider:
- Location: Insurance providers consider competing companies, local regulation and cost of living. And this could cause a difference in price in certain areas.
- Plan Type: Different dental plans are designed to meet different needs. A basic plan will cost less than a plan that provides coverage for more extensive care. Learn about our different plan offerings here.
- Dependents: Are you accountable for just yourself, or does your plan also include your spouse and children? The number of people covered under one plan affects the cost per individual.
One of the easiest ways to help control your out-of-pocket costs and get the most resource from your dental benefits is by visiting a network dentist. As you work to understand your coverage, you’ll want to know the answers to two key questions:
Which Delta Dental plan do I have?
Most customers have Delta Dental PPO, Delta Dental Premier or Delta Dental PPO plus Premier plans. For these plans you can choose any dentist you wish, though there are advantages to choosing a Delta Dental network dentist.
Is my dentist in the Delta Dental network?
Most of our plans offer access to either our Delta Dental PPO or Delta Dental Premier networks, and often both. Accessing our Delta Dental PPO network offers the lowest out-of-pocket fees and the richest benefits, while visiting a dentist in the Delta Dental Premier network also offers discounts and protection from additional billing, with the benefit of a larger selection of dentists. If you choose to visit an out-of-network dentist, you may be subject to higher fees and required to submit claims yourself.
Knowledge is power! The more you know, the easier it is to make the most of your dental coverage. Log into your account to view your plan specifics.
