Delta Dental Group Plans for Employers

What makes an employer Delta plan feel premium?

Four levers: a high annual maximum, an ortho rider, the D and P Maximum Waiver, and SmileWay. A rich plan pushes the maximum toward $5,000, adds orthodontia at 50% to a separate lifetime cap, keeps preventive care off the annual maximum so the full amount stays for restorative work, and layers SmileWay extra cleanings for members with chronic conditions, all on the PPO Plus Premier network. Cost figures here are estimates; a real number comes from a quote.

Estimate it

Group plan cost estimator

Pick a tier, your headcount, and your contribution. All figures are estimates from public benchmarks, not a quote. Delta does not publish group rate cards.

Plan tier

$1,500 to $2,000 max, the most common design

Enrolled employees

250500

Employer pays

0%75%100%

Add orthodontia rider (estimate +$8/employee)

Rich PPO already includes an ortho rider.

Estimated total premium

per employee, per month

Employer pays / month$0

Employees pay / month$0

Employer annual cost$0

Estimates only, based on public benchmarks (about $62.75/employee/month for PPO, $22.75 for DHMO, and a common 70 to 80 percent employer split). Actual pricing depends on group size, location, plan richness, and census, and requires a Delta Dental quote.

Plan design

Standard vs rich group PPO

Element	Standard group PPO	Rich employer PPO
Preventive	~100%, often no deductible	~100%, no deductible
Basic (fillings, extractions)	~80% after deductible	~80%, lower or no deductible
Major (crowns, prosthetics)	~50%	~50% to 60%
Annual maximum	$1,000 to $2,000	$3,000 to $5,000
Orthodontia	Not included or rider	Rider, ~50% to a separate lifetime max (~$1,500+)
Preventive vs maximum	Counts toward max unless waived	D and P Maximum Waiver keeps preventive off the max
Network	PPO only	PPO Plus Premier for wider access

Who offers it

Verified Delta employer programs

We only name employers a primary source confirms. Aggregate reach is from Delta directly.

Verified

University of California

UC offers the Delta Dental PPO to employees and retirees and pays 100% of the premium for eligible staff.

Verified

Federal employees (FEDVIP)

Delta is a participating PPO carrier in the federal FEDVIP program, enrolled through BENEFEDS.

Aggregate

Fortune 1000

Delta reports nearly half of US Fortune 1000 companies offer Delta Dental, across 148,000+ groups. A company aggregate, not a named list.

We do not list specific tech or defense employers without a primary source confirming Delta is the carrier. Public benefits pages that mention "dental" do not confirm the carrier.

How to offer it

Set up a Delta plan in 6 steps

1. Pick your lane	Small business is roughly 2 to 50 enrolled employees; midsize to large is 100+.
2. Engage a broker or Delta sales	Brokers can pull instant quotes for 2 to 50 employee groups.
3. Submit an RFP	Use Delta's RFP Assistant; enter the state where benefits decisions are made to route to the right local Delta company.
4. Choose family and richness	PPO, PPO Plus Premier, or DeltaCare USA; set the maximum, deductible, ortho rider, D and P waiver, and SmileWay.
5. Set cost sharing	Decide the employer contribution; the common split is the employer paying 70 to 80 percent (estimate).
6. Onboard	Dedicated implementation and account teams; many small-business plans have no waiting periods for most services.

Common questions

How much does Delta Dental cost an employer per employee?

As an estimate, employer-sponsored dental PPO premiums average about $62.75 per employee per month, and a dental DHMO averages about $22.75. Employers commonly pay 70 to 80 percent of the premium. A rich PPO with a high annual maximum and an orthodontia rider can run higher. Delta Dental does not publish group rate cards, so the exact figure comes from a quote tied to your group size, location and census.

What does a rich Delta Dental employer plan look like?

A rich plan has a high annual maximum toward the top of the $1,500 to $5,000 range, an orthodontia rider (typically 50% up to a separate lifetime maximum), the D and P Maximum Waiver so preventive visits do not draw down the annual maximum, SmileWay Wellness Benefits for chronic conditions, and PPO Plus Premier for the widest network.

Does Delta Dental offer a $5,000 annual maximum plan?

Yes, plans toward a $5,000 annual maximum are available, but they sit well above the standard market, where about 65 percent of dental PPOs carry a maximum of $1,500 or more. A $5,000 maximum and an orthodontia rider raise the premium, so pricing requires a quote.

Which big companies offer Delta Dental?

Delta Dental reports serving more than 148,000 groups and that nearly half of US Fortune 1000 companies offer Delta Dental, and that 1 in 3 Americans with dental insurance are covered by Delta. Confirmed examples include University of California employees and federal employees through the FEDVIP program. We do not name individual employers without a primary source.

How does an employer set up a Delta Dental plan?

Pick your group-size lane (small business is roughly 2 to 50 employees; midsize to large is 100+), engage a broker or contact Delta sales, submit a request for proposal through Delta's RFP Assistant, choose the plan family and richness, set the employer contribution, and onboard with a dedicated implementation team.

Transparency

Sources & last reviewed

Reach figures are from Delta Dental; cost figures are public benchmarks labeled as estimates. Checked June 24, 2026. Group pricing varies and requires a quote.

Delta Dental, large corporation employer page · deltadental.com
Delta Dental, midsize to large group plans · deltadentalins.com
UC Delta Dental PPO highlights 2026 · ucnet.universityofcalifornia.edu
Delta Dental FEDVIP (federal program) · deltadentalins.com

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