Delta Dental helps you keep your smile healthy with coverage for preventive care, basic, and major dental services. You’ll have access to one of the nation’s largest dental networks, helping you save on out-of-pocket costs when you visit in-network providers.
PTMA offers two dental insurance plans from Delta Dental. With the Low Plan, you will pay less in premiums. But you will likely pay more when you need care, and your annual benefit maximum will be lower. On the High Plan, you will have a higher payroll deduction, but you will likely pay less out-of-pocket when you use dental services, and your benefit maximum will be higher. The High Plan also includes orthodontic benefits.
| Low Plan | Benefit |
|---|---|
| Annual Deductible | $50/ person; $150/ family (Applies to Basic and Major services) |
| Annual Maximum | $1,500/person (PPO Dentist) or $1,000 (Premier or Non-Network Dentist) |
| Low Plan | PPO Network Dentist | Premier Network Dentist | Non-Network Dentist |
|---|---|---|---|
| Preventive/Diagnostic Services | Member pays $0 | Member pays 20% | Member pays 20% |
| Basic Services | Member pays 20% | Member pays 40% | Member pays 40% |
| Major Restorative Services | Member pays 50% | Member pays 50% | Member pays 50% |
| Orthodontia | Not included | Not included | Not included |
| High Plan | Benefit |
|---|---|
| Annual Deductible | $50/ person; $150/ family (Applies to Basic and Major services) |
| Annual Maximum | $2,000/person (All Networks) |
| Orthodontia Lifetime Max | $2,000/person (Adults and Children) |
| High Plan | PPO Network Dentist | Premier Network Dentist | Non-Network Dentist |
|---|---|---|---|
| Preventive/Diagnostic Services | Member pays $0 | Member pays $0 | Member pays $0 |
| Basic Services | Member pays 10% | Member pays 10% | Member pays 10% |
| Major Restorative Services | Member pays 40% | Member pays 40% | Member pays 40% |
| Orthodontia | Member pays 50% | Member pays 50% | Member pays 50% |
The summaries below outline key details about each plan, including coverage levels, benefits, and covered services.
The lowest-cost option for care, dentists in the Delta Dental PPO network agree to accept reduced fees for covered services—meaning you’ll pay less out of pocket. You’ll also have no balance billing, so your dentist can’t charge more than the contracted rate.
A larger network that includes more dentists than the PPO network. Premier dentists also offer discounted rates—just not as low as PPO providers—so your costs may be slightly higher. If your preferred dentist isn’t in the PPO network, they may still participate in the Premier network, which helps limit your expenses compared to going completely out of network.
You can see any licensed dentist, but if they aren’t part of either network, you’ll likely pay more for services. Out-of-network providers may bill you the difference between what Delta Dental covers and their full charges, referred to as balance billing.
Log in to your Delta Dental member portal or download the Delta Dental mobile app to review claims, view your ID card, and estimate costs for upcoming procedures.
Member Portal: https://www.deltadental.com/us/en/member
Mobile Apps: Delta Dental Mobile Apps
Call Member Services: 1-800-323-1743
Member Service Hours: Monday–Friday, 7 a.m.–7 p.m. Central
Resource Library
Good news: You don’t need one! Your dental office can look you up with some basic personal information.
Log in to your account and select ‘Get ID card’ to view or print it. If you’d like to save your ID card to your digital wallet, download the Delta Dental mobile app. After you sign in to the app, you’ll find your ID card on the home screen.