Dental Plan Availability and Comparison

Dental Plan Comparison

For all of the dental plans, the annual maximum benefit is $2,000 per person per calendar year, and the lifetime orthodontic maximum is $2,800 per dependent. You can find the detail of what is covered in each category below the chart.

Plan

DELTA DENTAL PPO
In-network coverage only

DELTA DENTAL PREMIER
In-network coverage

DELTA DENTAL PREMIER
Out-of-network coverage*

Diagnostic and
Preventive Care
100% coverage100% coverage50% of Allowed Amount
Basic
Restorative Care
Anterior resin restorations paid at 80%. Posterior resin restorations (white fillings on back teeth) paid as an amalgam.80% coverageAfter $125 annual deductible, 50% of Allowed Amount coverage.
Major
Restorative Care
50% coverage50% coverageNo coverage
Emergency ServicesIn-network services provided same as any service; out-of-network services apply $50 deductible, then same as any in-network service.Emergency dental services provided same as eligible dental services.After $125 annual deductible, emergency dental services provided same as eligible out-of-network services.
Orthodontics80% coverage80% coverage50% of Allowed Amount coverage

*Out-of-network Providers (Delta Premier only): Reimbursement is based on 50% of the Allowed Amount

If you use an out-of-network provider, you will receive significantly lower reimbursement amounts for services compared to the reimbursements you would receive from a Delta Dental in-network provider. It is strongly encouraged that your provider submit a pre-treatment estimate prior to services being received. This will prevent any surprise charges after treatment has been received. If you receive services from an out-of-network provider, you may need to:

  • Pay for services up-front
  • Pay more money for services than you would with an in-network dentist
  • File the dental claim form with Delta Dental
  • Receive reimbursements sent directly to you from Delta Dental

Need help? Find answers to your questions with these frequently asked questions from Delta Dental.

Compare in-network versus out-of-network costs on Delta Dental's cost example, Two Networks, More Choices (pdf).  

What Is Covered Under Each Type of Service?

Diagnostic and Preventive Care

  • Oral examinations and dental cleanings
    • Two oral exams and cleanings per person per calendar year
    • X-rays
    • Special periodontics care
    • Topical fluoride to age 19
    • Space maintainers

Basic Restorative Care

  • Fillings (customary restorative materials) is based on plan:
    • Back teeth
      • Amalgam (silver) fillings: Delta Dental PPO
      • Composite (white) fillings: Delta Dental Premier
    • Front teeth
      • Composite (white) fillings: Delta Dental PPO and Premier
  • Sealants to age 19
  • Extractions and other oral surgery
  • Periodontics (gum disease therapy)
  • Endodontics (root canal therapy)
  • Restorative crowns
  • Inlays and onlays
  • Repair of a crown

Major Restorative Care

  • Fixed or removable bridgework
  • Implants as alternative treatment
  • Full or partial dentures
  • Denture relines or rebases

Orthodontics Coverage

  • Limited to dependents up to age 19
  • Separate $2,800 lifetime maximum per covered dependent that does not start over if you change plans

Dental Plan Availability

Yes: Plan is available
No: Not available
Base Plan: Base Plan for this county

County Delta Dental PPO Delta Dental Premier
Aitkin Yes Yes - Base Plan
Anoka Yes - Base Plan Yes
Becker Yes Yes - Base Plan
Beltrami Yes Yes - Base Plan
Benton Yes Yes - Base Plan
Big Stone No Yes - Base Plan
Blue Earth Yes Yes - Base Plan
Brown Yes Yes - Base Plan
Carlton* Yes - Base Plan Yes - Base Plan
Carver Yes - Base Plan Yes
Cass Yes Yes - Base Plan
Chippewa Yes Yes - Base Plan
Chisago Yes - Base Plan Yes
Clay Yes Yes - Base Plan
Clearwater Yes Yes - Base Plan
Cook No Yes - Base Plan
Cottonwood Yes Yes - Base Plan
Crow Wing Yes Yes - Base Plan
Dakota Yes - Base Plan Yes
Dodge No Yes - Base Plan
Douglas Yes Yes - Base Plan
Faribault Yes Yes - Base Plan
Fillmore Yes Yes - Base Plan
Freeborn Yes Yes - Base Plan
Goodhue Yes Yes - Base Plan
Grant No Yes - Base Plan
Hennepin Yes - Base Plan Yes
Houston Yes Yes - Base Plan
Hubbard Yes Yes - Base Plan
Isanti Yes - Base Plan Yes
Itasca Yes Yes - Base Plan
Jackson Yes Yes - Base Plan
Kanabec Yes - Base Plan Yes
Kandiyohi Yes Yes - Base Plan
Kittson Yes Yes - Base Plan
Koochiching Yes Yes - Base Plan
Lac Qui Parle Yes Yes - Base Plan
Lake Yes - Base Plan Yes
Lake of the Woods No Yes - Base Plan
Le Sueur Yes Yes - Base Plan
Lincoln No Yes - Base Plan
Lyon Yes Yes - Base Plan
Mahnomen Yes Yes - Base Plan
Marshall No Yes - Base Plan
Martin Yes Yes - Base Plan
McLeod Yes - Base Plan Yes
Meeker Yes Yes - Base Plan
Mille Lacs Yes Yes - Base Plan
Morrison Yes Yes - Base Plan
Mower Yes Yes - Base Plan
Murray No Yes - Base Plan
Nicollet Yes Yes - Base Plan
Nobles Yes Yes - Base Plan
Norman No Yes - Base Plan
Olmstead Yes Yes - Base Plan
Otter Tail Yes Yes - Base Plan
Pennington Yes Yes - Base Plan
Pine Yes Yes - Base Plan
Pipestone Yes Yes - Base Plan
Polk Yes Yes - Base Plan
Pope Yes Yes - Base Plan
Ramsey Yes - Base Plan Yes
Red Lake No Yes - Base Plan
Redwood Yes Yes - Base Plan
Renville Yes Yes - Base Plan
Rice Yes Yes - Base Plan
Rock Yes Yes - Base Plan
Roseau No Yes - Base Plan
Scott Yes - Base Plan Yes
Sherburne Yes - Base Plan Yes
Sibley Yes Yes - Base Plan
St. Louis Yes - Base Plan Yes
Stearns Yes Yes - Base Plan
Steele Yes Yes - Base Plan
Stevens Yes Yes - Base Plan
Swift No Yes - Base Plan
Todd Yes Yes - Base Plan
Traverse Yes Yes - Base Plan
Wabasha Yes Yes - Base Plan
Wadena Yes Yes - Base Plan
Waseca No Yes - Base Plan
Washington Yes - Base Plan Yes
Watonwan Yes Yes - Base Plan
Wilkin Yes Yes - Base Plan
Winona Yes Yes - Base Plan
Wright Yes - Base Plan Yes
Yellow Medicine Yes Yes - Base Plan

*Carlton Northern area: Delta Dental PPO. Carlton Southern area: Delta Dental Premier.