The annual maximum is the most a PPO plan pays in a year. On Delta it is usually $1,000 to $2,000, it resets every January, and once you hit it you pay the rest. The HMO has none.
It depends on the product. Exact figures vary by state and plan.
| Delta product | Annual maximum |
|---|---|
| Individual PPO Basic | About $1,000 per person |
| Individual PPO Premium | $2,000 per person |
| Employer group PPO | Employer-selectable, commonly $1,000 to $3,000; some add a carryover |
| DeltaCare USA (HMO) | None |
Delta individual plans run on a calendar year, so the maximum and deductible reset every January 1, no matter when you enrolled. Once you reach the maximum, the plan pays nothing more that year and you pay the full negotiated rate. A common move for big treatment plans: if you are near the cap, ask the office whether part of the work can be sequenced into January, when a fresh maximum begins.
Not on individual Premium or Basic plans; unused dollars do not carry into the next year. Some employer group plans include a carryover feature (Delta calls one version To Go) that can add unused maximum over claim-light years, which over time can roughly double the effective ceiling. The DeltaCare USA HMO has no maximum, so there is nothing to roll over. Check your specific plan documents for whether a carryover applies.
Premium doubles the maximum and adds major work. See both tiers side by side.
Search PPO, Premier or DeltaCare USA dentists near you, and have us confirm your plan before you book.
Checked against Delta Dental plan documents on July 2, 2026. Terms vary by plan and state; confirm yours with the carrier before enrolling.
Delta Dental PPO individual plans · deltadentalins.com
DeltaCare USA HMO plan · deltadentalins.com