Major / full coverageImplants & ortho includedEffective 1st or 15th
Annual maximum
$2,000
Most the plan pays per year
Deductible
$50 / person
You pay this first, once a year
Coverage starts
1st or 15th
Preventive care from day one
What the plan pays
Network: Delta Dental PPO — you pay least in-network; verify your dentist for this exact product.
Last verified Jun 20, 2026Figures illustrative until matched to your state's plan documentView sources →
Delta Dental PPO Premium is a higher-premium individual PPO plan that pays 100% for preventive care from day one, 80% for basic work and 50% for major work, implants and braces after waiting periods, up to a $2,000 annual maximum. Preventive (cleanings, exams, X-rays) is covered immediately; basic care unlocks after 6 months and major, implant and orthodontic work after 12 months. Pricing is illustrative and varies by ZIP — this is an independent review, not a guarantee of coverage.
See your exact price for your area
We don't show a national price as if it applied everywhere. Enter your ZIP for area-specific pricing and availability — free, no account.
Best for you if…
You want implants or braces covered — rare on individual plans.
You can plan major work 6–12 months out.
Your dentist is in the Delta Dental PPO network.
Skip it if…
You need major work now — the 12-month wait means full price meanwhile.
You only want cleanings — a cheaper plan likely fits.
You expect a big case — $2,000 fills fast (see estimator).
When each benefit turns on
Your coverage unlocks on a schedule
Your effective date isn't the same as when the plan pays toward a crown. Here's the countdown.
Day one
Preventive at 100%. Cleanings, exams and routine X-rays, in-network, from your effective date (the 1st or 15th).
+6 months
Basic unlocks at 80%. Fillings and simple extractions.
+12 months
Major, implants & ortho unlock at 50%. The sooner you start, the sooner the clock runs out — work started before this date generally isn't reimbursed.
Does Delta PPO Premium cover implants?
Yes — implants are covered at 50% coinsurance after a 12-month waiting period, up to the shared $2,000 annual maximum. Watch for a missing-tooth clause, which can exclude teeth lost before the policy started. See our dental implants coverage guide for how plans compare.
Does it cover braces (orthodontics)?
Yes — both adult and child orthodontics are covered at 50% after a 12-month wait, which is uncommon on individual plans. Braces and aligners usually draw on a separate orthodontic lifetime maximum, so verify that amount for your state before enrolling.
A crown next year — what would you actually pay?
Tick what you might need. We'll show cash price vs. your share, and how fast it draws down your $2,000 maximum. Illustrative national prices — your dentist's fees decide the real number.
cash $300
cash $400
cash $1,200
cash $4,000
You save vs paying cash
$0
what this plan pays so you don't
Plan pays
$0
of $2,000 maximum
You'd pay
$0
incl. $50 deductible
Tick what you might need to see what this plan saves you.
With the crown after its 12-month wait, the plan covers about half — and your $2,000 maximum still has room for more.
Full specs
The rest of the fine print
Teeth whitening
Not covered
Vision bundle
No
Age eligibility
No age cap
Orthodontia maximum
Separate lifetime max — verify amount
Missing-tooth clause
Likely — confirm on policy
Frequency limits
e.g. 2 cleanings/yr; 1 crown per tooth every 5–7 yrs
Reimbursement basis
In-network contracted fee (MAC)
Good to know
The fine print that changes the bill
Exact wording varies by state — read your own plan's exclusions section.
What's the catch on crowns?
The main catch is Delta's alternate-benefit (LEAT) downgrade: a porcelain or zirconia crown on a back tooth may be reimbursed only at the cheaper metal-crown rate, and you pay the difference. Ask for a pre-treatment estimate so you know your share before the work begins, and check unfamiliar terms in our dental insurance glossary.
Missing-tooth clause
May not pay to replace a tooth lost before the policy started — key for implants and bridges.
Frequency limits
Cleanings, X-rays and crowns are capped per period; extra visits are out of pocket.
$2,000 maximum
Mid-range cap. One implant case can use it up; you pay full price until the year resets.
State variations
Premium, coinsurance and availability differ by state — confirm for your ZIP.
Crown downgrade (alternate benefit)
Delta's alternate-benefit / LEAT rule may pay a porcelain or zirconia crown at the lower metal-crown rate — or a crown at the filling rate. You pay the difference. Ask for a pre-treatment estimate.
So the moving parts are visible. Illustrative midpoints, not a quote.
Enroll today, get one crown (~$1,200) after the wait, plus routine cleanings.
Premiums~$75/mo × 12$900
Deductibleonce, before major coinsurance$50
Crown — your 50% shareof ~$1,150 after deductible$575
Cleanings & examspreventive, 100%$0
Illustrative first-year outlay~$1,525
Assumes in-network dentist, crown classed as major, no missing-tooth/downgrade reduction, ~$75/mo premium (varies by ZIP), procedure after the 12-month wait. Run your own numbers →
Enroll safely
Four checks before you commit
Pull the official plan document for your state and match the coverage, waits and exclusions on this page.
Confirm your dentist's network status for this exact Delta product — directory and a phone call.
Check the effective date and waiting periods against your treatment timeline.
Get the treatment classification in writing — "basic" vs "major" changes the wait and your share.
Implants show 50% after a 12-month wait, but a missing-tooth clause may exclude teeth lost before the policy began. Confirm both on your state's document. Compare implant plans →
How long until major work is covered?
Major, implants and ortho: 12 months. Basic: 6 months. Preventive: day one. Waits can sometimes be reduced with proof of prior continuous coverage — ask the carrier.
What does it cost per month?
Premiums vary by state, ZIP and effective date, so we don't publish one national price. The ~$75/mo used in the example is for math only — enter your ZIP for an area price.
Is this an endorsement?
No. This is an independent review — breakdown and analysis, not endorsement. No carrier pays for placement.
How much does Delta PPO Premium cost per month?
There is no single national price — premiums vary by state, ZIP and effective date. The ~$75/mo figure on this page is illustrative, used only for the worked example; enter your ZIP for an area-specific price. We don't guarantee any rate or coverage.
Which dentists accept Delta PPO Premium?
You pay the least with dentists in the Delta Dental PPO network. Acceptance is product-specific, so verify your dentist for this exact plan using Delta's directory and a phone call, or run a free network check. Verify your dentist's network →
Delta PPO Premium vs Ameritas PrimeStar — which is better?
It depends on your timeline. Delta PPO Premium is the better fit if you want adult and child orthodontics and can wait out the 6- and 12-month periods for basic and major work. Ameritas PrimeStar is better if you need work soon, since it has no waiting periods. Neither is universally "best" — this is an independent comparison, not a guarantee of coverage. See the PrimeStar breakdown →
Transparency
Sources & verification status
Figures are an editorial hypothesis from a comparison-shelf snapshot until matched to a current official document for your state. Full provenance lives here.
Official sources
Delta Dental — Individual & Family plansneeds verification
2026-06-20Published with shelf-snapshot data flagged for verification.
PendingMatch each fact to a current Delta document for a defined state, then confirm.
CoverCapy is an independent educational marketplace and concierge layer — not an insurer, carrier, dentist, tax adviser or medical provider. Nothing here confirms a treatment is covered; coverage depends on your exact policy, state, ZIP, effective date, network, exclusions, limitations and remaining benefits, all of which must be verified.
Next step
Verify this exact plan — free
We confirm coverage, waits and your dentist's network for your ZIP.
CoverCapy is an independent marketplace — no carrier pays for placement, and "review" here means an objective breakdown, not an endorsement. Figures are checked against carrier sources, dated, and re-reviewed on a schedule; always confirm your exact plan against your state's official document before enrolling.
