Reasons for Delta

• 1. WHAT IS THE MONTHLY PREMIUM?
  The premium cost is just one part of the total costs of your dental care. This amount varies depending upon the level of benefits provided by the plan. For example, a plan with a low deductible (e.g., $50) and a high annual maximum (e.g., over $1,500) would likely have a higher premium than another plan with a high deductible and a lower annual maximum.

• 2. WHICH DENTISTS PARTICIPATE IN THE PLAN’S NETWORK IN MY AREA?
  Consider how important choice of dentist is to you. It may be worth it to pay more in premium, coinsurance and other costs if it means you can keep your current dentist. If you’re choosing a new dentist, be sure there are conveniently located dentists in the network who offer the services and specialties you need.

• 3. IS MY DENTIST IN THE NETWORK?
  If your dentist is not in the plan’s network, are you comfortable changing dentists? You will probably pay more out of pocket if you choose a dentist who does not participate in a plan’s network.

• 4. HOW MUCH WILL I HAVE TO PAY IF I SEE A DENTIST OUTSIDE THE NETWORK?
  Some plans do not cover any charges from a dentist outside the network. Some will cover emergency care and others may cover a portion of the charges, but typically less than if you chose an in-network dentist.

• 5. ARE THERE WAITING PERIODS FOR CERTAIN PROCEDURES?
  Some plans have a waiting period for certain types of dental treatments. For example, you might have to be covered for six months before you are eligible for orthodontic coverage. Think about the services that you may need this year – are you comfortable with having to wait for treatment?