Dental Plan
A dental plan helps pay for essential oral care that your medical plan doesn’t cover. But it’s important to keep in mind that a dental plan doesn’t limit your total out-of-pocket costs like a medical plan does.
- Dental plans have an annual, per-person limit as to how much money the plan will pay for services. So you may want to space out more expensive dental work.
For Example
Jun has recently taken up skateboarding…and he now needs a few root canals and some crowns. The work is too expensive to be fully covered under his annual limit, so Jun decides to do half of the work in December, right before the plan year ends, and then do the second half of the work in January, when the new plan year begins.
Splitting the work between the two plan years lets Jun stay below the annual limit, and save more money.
- Some services have a lifetime, per-person maximum. Which means that, for those services, there’s only so much dental work the plan will help pay for, no matter many years you have the plan.
Now, when it comes to coverage, dental plans generally break work down into four categories:
- Preventive Services, like exams, cleanings, and x-rays
- Basic Services, which cover things like fillings and extractions
- Major Services, which include root canals, crowns, bridges, oral surgery, and so on
- Orthodontics, which include braces, retainers, etc.
The type of work determines what the coinsurance will be. The limits and coinsurance amounts are listed out in the table below, along with other plan details.
Speaking of plan details… Waters offers you a choice between the Delta Dental High Plan, and the Low Plan. Both plans use the same Delta Dental PPO Plus Premier network. The Low Plan is designed for people who are more interested in a lower premium/rates cost, and only need preventive and basic services during the upcoming year.
To view a full description of the dental plans offered to you from Waters, please see the Benefits Guide.
One last note…if you get your two preventive cleanings each year, Delta Dental will automatically carry over some of your unused available benefit to the next year to help cover the cost of any potential larger out-of-pocket dental costs. This is a great incentive to always get your two preventive cleanings, and great protection for the future, too! For further details, review the full Delta Dental Plan Summaries located here Delta Dental High Plan summary 2026 and Delta Dental Low Plan summary 2026, review the Dental Summary Plan Description (SPD), or contact Delta Dental at: www.deltadentalma.com, or 1-800-872-0500.