A voluntary dental program offers you many advantages.
Lower premiums than individual plans. Voluntary dental benefits can mean reduced rates (offered by your employer) because your premium will be based on group rates. These rates are almost always better than what you would pay if you bought similar dental coverage on your own. | |
Health. People with dental benefits are more likely to go to the dentist regularly. Routine checkups and cleanings help keep small dental problems from growing into more expensive, painful ones. Plus, many medical conditions – including diabetes, cardiovascular disease, and hypertension – have an oral health component. A dentist can detect signs of up to 120 non-dental diseases during an exam. | |
Convenience. You pay your premiums through payroll deduction. | |
Extras you can’t get with an individual plan. This includes more plan choices, and greater flexibility. | |
Low out-of-pocket costs. Many plans cover 100% of preventive care (such as oral exams, cleanings, and X-rays). Plus, Delta Dental works directly with network dentists to establish reduced fees on the member’s behalf. Once you meet your deductible, you’re responsible for the percentage of that reduced fee, not the dentist’s full fee. |
Benefits | Employee paid - premium voluntary plan example | Best selling premium individual plan example |
---|---|---|
Average monthly cost for the plan |
$55.27 | $75.54 |
Plan year maximum per person per plan year |
$2,000 | $2,000 |
Deductible per person/per family (excluding P&D) |
$50/$150 | $100 |
Preventive Care Cleanings, exam, x-rays |
100% | 100% |
Sealants per tooth (through age 14) |
100% | 100% |
Fillings | 80% | 80% |
Root canal | 80% | 80% |
Removable dentures | 50% | 50% |
Crowns | 50% | 50% |
Implants | 50% | 50% |
Non-surgical extractions | 50% | 50% |
Orthodontics | Not covered | Not covered |
Annual contract | Yes | No |
Waiting periods | None | May apply |