How Delta Dental Works

When you see a participating network dentist, you’re more likely to save money. To make sure you get the most from your dental coverage, it's important to know how your plan works.

Maximize your Coverage with Participating Dentists

Choose from our extensive network of dentists. Participating dentists agree to accept our allowance as full payment. That means they will not bill you for any difference between the amount we allow and their actual charge.

Use the Find a Dentist tool to find a participating dentist near you.

Use a Participating Dentist

Participating dentists encourage preventive care and handle all claims, paperwork and inquiries directly with us. If your dentist relocates or decides not to participate with Delta Dental, you may choose a new participating provider from our network without any disruption in your coverage or benefits.

What Happens if you Use Non-participating Dentists?

Your plan only covers services provided by a participating dentist. There is no out-of-network coverage in these plans. You may find a participating dentist here.

What to Do in an Emergency

In the event of a life-threatening emergency, you should go to the nearest hospital for treatment and submit any claims to your Neighborhood plan. If you have an urgent dental condition, you should seek treatment at the nearest dentist's office, regardless of whether that dentist participates with Delta Dental. You do not need prior approval before seeking treatment; however, your Neighborhood plan will pay only for covered benefits.

Most dental offices treat patients within 24 hours for an urgent appointment. If you need help finding a participating dentist, use our Find a Dentist tool or call customer service at 1-800-843-3582.