Delta Dental Benefit Plans
Delta Dental offers dentists the flexibility of participating with one or more of our products. According to several surveys, dentists in Michigan rate Delta Dental as the #1 dental carrier in the state, much higher than our competitors.
Delta Dental Premier
Delta Dental Premier is a standard fee-for-service program. Dentists submit their usual fees for each service rendered, and participating dentists are reimbursed directly based on our maximum approved fee. Nationwide, Delta Dental covers more than 60 million people actively seeking treatment from participating dentists.
Delta Dental PPO
Delta Dental PPO is a preferred provider organization program. Participating dentists agree to provide care to Delta Dental PPO members at reduced fees, creating savings for members and lower rates for groups. As the popularity of Delta Dental PPO programs increases with employers, dentists who participate with Delta Dental PPO may see a marked increase of patients who want to go to a participating dentist. In addition, the Delta Dental PPO contract includes participation with Delta Dental Patient Direct.
Delta Dental PPO (Point-of-Service) combines the characteristics of Delta Dental Premier and Delta Dental PPO into one flexible program. Members who choose not to go to a Delta Dental PPO participating dentist are automatically covered by Delta Dental Premier, and payment is based on the dentist's participation status with Delta Dental Premier.
Delta Dental EPO
Delta Dental EPO (Exclusive Provider Organization) is a fee-for-service program. Payment for treatment is based on a fee schedule and member copayments. Delta Dental EPO participating dentists are reimbursed on the basis of the member copayment amount and the lesser of the submitted fee or Delta Dental’s maximum fee allowance, as payment in full when treating eligible Delta Dental EPO patients. Total payment will not exceed Delta Dental’s maximum approved fee allowance.
Delta Dental Patient Direct
Delta Dental Patient Direct is a discount card program based on the Delta Dental PPO fee schedule. For a low annual membership fee, individuals and families can receive discounted fees when they go to a participating dentist. It is not an insurance or reimbursement plan; participating dental offices collect all fees from Delta Dental Patient Direct members and do not file claims.
In Michigan, Delta Dental partners with the Michigan Department of Community Health to provide highly accessible dental benefit programs that improve the oral health of low-income, uninsured and underserved children.
MIChild was developed in 1998 by the State of Michigan to provide low-cost health and dental benefits to the state’s uninsured children who don’t qualify for Medicaid. Delta Dental is one of MIChild’s benefit administrators.