A dental plan is a great way to support your oral health and your overall wellbeing. Purchasing a plan doesn't have to be complicated.
What is a dental plan?A dental plan is a type of health benefit that helps make care more affordable. You pay a monthly or annual fee called a premium, and, in exchange, the dental plan helps you pay for dental services and procedures.
Similar to medical insurance, coinsurance, annual maximums and deductibles are all ways that the cost can be shared between the dental plan and the people it covers.
Why do I need a dental plan?Even if you're generally healthy with few or no cavities, it pays to have a dental plan. Here's why:
You'll enjoy better overall health. Individuals with dental benefits are 83% more likely to visit the dentist at least once a year compared to those without dental benefits.1 That's important, because people who see their dentist at least once a year are more likely to report good oral health. In turn, those who give their oral health an "A" grade are more likely to rate their overall well-being as excellent.2 The link between good oral and overall health isn't surprising - with an oral exam, dentists can detect signs and symptoms of more than 120 diseases, including heart disease and diabetes.3
Get small concerns treated before they become big problems. Visiting the dentist regularly means oral health issues will be addressed before they become more severe. That's why our dental plans cover preventive services at 100%. Taking advantage of low-cost exams and cleanings can help you save money (and hassle) on more extensive work down the road.
Make dental work more affordable. Dental plans help make dental care more budget friendly, but the savings are especially helpful when unexpected issues arise.
How do I choose the right plan?Delta Dental of Kansas has four levels of dental plans available to meet a variety of dental needs. How do you know which plan to choose? To narrow it down, consider the oral health of everyone who will be covered by your plan. Thinking about dental needs by age group may help you evaluate plan options. You should also consider the potential procedures, services or specialists you may need, and compare that to what each plan level offers:
Help your children establish good oral health habits from the start by focusing on preventive dental care early. Cleanings, exams, fluoride treatments and sealants are all common needs in this age range.
If you're in this age range, you're less likely to have oral health problems - but you should still visit the dentist regularly for preventive care. If you've started a family, consider the needs of your children and spouse as well.
As you age, so do your teeth. When you purchase a plan, consider coverage for restorative procedures, such as fillings, root canals and crowns. Because you may need these services, you may want to look for a plan with a higher annual maximum.
Chronic conditions are more likely to occur after age 60, so preventive dental care is important. Look for a plan that helps manage expenses related to chronic conditions like gum disease. Bridges, dentures, and implants may also be on your radar. A plan with a higher annual maximum may help you manage out-of-pocket costs.
Here are a few more considerations that may be useful when you're evaluating plans:
What are my available dentist networks?Delta Dental offers its members access to two of the most extensive dentist networks in the nation.
Delta Dental of Kansas' individual dental plans are based on the Delta Dental PPOTM network. Generally, you will have lower out-of-pocket costs when you visit a Delta Dental PPO dentist. However, you can also choose to see a dentist from a larger network - the Delta Dental Premier® network - or an out-of-network dentist.
Finding a Delta Dental dentist is easy - visit the "Locate a Dentist" section to search by network, location, dentist name and more.
Delta Dental PPO network - PPO dentists agree to deeper discounts than those in the premier network. Patients will usually save the most money when visiting a PPO dentist. Over 63% of dentists in Kansas participate in the Delta Dental PPO network.
Delta Dental Premier network - Premier dentists also agree to discounts. Over 95% of dentists in Kansas participate with the Delta Dental Premier network, making it easy for you to find an in-network dentist wherever you are.
Out-of-Network - You are free to visit the dentist of your choice, however you will most likely experience the highest out-of-pocket costs with an out-of-network dentist. Dentists who are in the Delta Dental network agree to pre-negotiated fees for their services. In-network dentists are also not allowed to charge you the difference between the agreed upon fee and their usual cost of the procedure - a practice called "balance billing" - that will commonly take place with an out-of-network dentist.
How do I enroll?Ready to choose your plan? Click here to view individual and family dental plan options.
When you're ready to buy a plan through our secure online enrollment site, you'll need to provide:
Click here to enroll online! By enrolling online, you may choose to pay by automatic monthly payments via debit/credit card or bank withdrawal. Charges will be made within the first five business days of each month.
If you'd rather enroll via paper application, you can download a paper application from the "Enroll Now" page. You can also call our Customer Service department at 800.234.3375 to request an application be mailed directly to you. Payment submitted with a paper application must be a check made out to Delta Dental of Kansas with one year's payment.
Have more questions? Visit our "FAQs" section, or call us at 800.234.3375.
1 - Seventy-five percent of adult consumers with dental benefits reported they see the dentist at least once a year versus 41 percent of those without dental benefits, as reported in the Delta Dental 2017 Adult Oral Health Survey.2 - Delta Dental 2017 Adult Oral Health Survey.3 - Steven L. Bricker, Robert P. Langlais, and Craig S. Miller, Oral Diagnosis, Oral Medicine and Treatment Planning (Philadelphia: Lea & Febiger, 1994).
© Copyright 2001-2018 Delta Dental Plans Association. All Rights Reserved.