DeltaCare® USA ( HMO ) DeltaCare USA is Delta Dental’s dental HMO , which offers low-cost dental coverage with a focus on preventive care. Enjoy minimal or no copayments for preventive care and choose from a network of dentists to manage your dental needs.
Generally speaking, DHMO plans are more cost effective, while PPO dental plans offer greater flexibility. There’s no way of saying that one plan is better than the other – it just comes down to which will meet your unique needs.
HMO dental insurance plans have networks of dentists under contract with the dental insurance company that offer dental services to insured members at pre-determined rates. HMO dental insurance plans are usually used by businesses to insure their employees, but can be used by individuals and families as well.
Find a Delta Dental dentist in your area with ease from any device with our Find a Dentist tool. Visit the Find a Dentist tool. Enter your ZIP code. Choose your network from the drop-down menu. Submit.
Best Overall: Cigna You can purchase a plan that includes coverage for restorative care and orthodontic care. All Cigna dental insurance covers preventative care with no deductibles or copayments. Broad network of over 93,000 dentists available nationwide.
Delta Dental offers both group plans and individual plans. Plans may have an annual maximum and deductible . Plan members get the most plan savings by visiting a PPO dentist. DeltaCare® USA is our HMO-type plan in which members choose a skilled primary care dentist from the plan network to visit for care.
In general, PPO networks tend to be broader, including more doctors and hospitals than HMO plans, giving you more choice. However, networks will differ from insurer to insurer, and plan to plan, so it’s best to research each plan’s network before you decide.
Why We Chose This Company: Delta Dental is one of the largest providers of dental plans and offers the highest coverage for implants (50%) for a reasonable monthly premium in its top PPO plan.
The company has been providing insurance since 1954 and offers both PPO and HMO plans. With consistently high ratings for financial stability and more than 150,000 participating dentists across the country, Delta Dental should be one of the first companies you consider for dental coverage .
Since HMO typically costs less – and subsequently dentist work at lower rates – many highly trusted dentists won’t accept HMO coverages(in many cases this is because their bank loan prohibits it) and you will be assigned to a dentist in which you have no control over.
Indemnity insurance is as close as you’re likely to come to getting dental insurance that covers everything . With indemnity dental insurance , you can visit any dentist – there are no networks or approved providers.
Having multiple dental insurance policies is acceptable. In fact, having more than one dental insurance policy can offer you additional benefits and help you save on out-of-pocket costs. However, having multiple dental insurance policies is not necessary.
As an example, during 2019, Delta Dental of Washington offered dental insurance on the private market starting at a monthly cost of around $26 for an individual and $122 for a family of four*.
Your dentist may be a Delta Dental dentist , but may not participate in the Delta Dental PPO network. Your Delta Dental PPO plan also allows you to visit Delta Dental Premier dentists although, typically, you’ll enjoy lower out-of-pocket costs when you select a Delta Dental PPO dentist .
$90 Amalgam (silver) or composite (tooth-colored) fillings . Replacing an existing filling is covered once every two years. $90 Stainless-steel crowns and ready-made resin crowns are covered on primary teeth.