Laurie is an architect and wants to make sure she and her wife stay healthy as they think about their financial future together
My wife and I decided it was time to get dental coverage. We’ve always kept our teeth healthy with regular cleanings that we paid for out of pocket, but we’re worried that if something comes up, we won’t be covered. Just last month, my dentist warned me that I might need some extra care within the next few years. Our income is enough to cover our bills and save - we have a big family vacation next year. We’d rather pay monthly for coverage than have to save for big additional costs.
Delta Dental - Ascent Plan
Our Dental Plan That Gets Better Over Time with No Waiting Period
The Ascent Plan is specially crafted for those looking for dental coverage that gets better and better over time. With 100% coverage on most preventive care services like cleaning and exams, and an increasing annual maximum, where we pay a higher dollar amount per person over the first two benefit years that you renew, the Ascent Plan is a great option to maintain a healthy smile for years to come.
Armand just turned 50 and makes a good living but must pay for his dental care himself.
I love working for myself as a financial analyst. I make good money, set my own hours, and meet interesting people. The problem is I don’t have any benefits. I’ve been paying for health insurance out-of-pocket for a while, but I think it’s time I start looking into dental coverage too. I’ve been too busy to go to the dentist last year, and I wouldn’t be surprised if my dentist says I need to have some work done. This plan is great because my coverage starts next month, and I don’t have to deal with waiting periods.
*Personas are fictional and only intended to represent possible oral health needs and situations. They are not inclusive of all needs or circumstances.
Monthly Premium Eastern/Western WA |
Plan Year Maximum 1st Year, 2nd Year, 3rd Year |
Shared Maximum Benefit |
---|---|---|
Individual Starting Rateiii $56.10 / $64.50 |
$1,000 / $1,250 / $1,500 per person | None |
Deductible |
Office Visit Copay |
Preventive Care Cleanings, exams, x-rays, and fluoride |
$50 | None | 100% |
Fillings 1st Year, 2nd Year, 3rd Year |
Crownsi | Root Canal |
50% / 60% / 70% | 50% | 50% |
Non-Surgical and Surgical Extractions and Implants | Periodontal Maintenance 1st Year, 2nd Year, 3rd Year |
Orthodontics |
50% | 50% / 60% / 70% | Not Covered |
Annual Contract | Waiting Periods | |
Yes | None |
This Plan | |||
---|---|---|---|
Ascent Plan | Clear Plan | Premium Plan | |
Description | No waiting period and coverage that increases over the first two years you renew. | No guessing, fixed-out-of-pocket costs, no waiting periods or dollar maximums. | High maximum, three periodontal maintenance cleanings, and policy lifetime deductible. |
Monthly Premium Eastern WA |
$56.10iii | $36.55iii Starting rate for Individuals ages 26-50 Actual rate may be higher or lower depending on age |
$64.65iii |
Monthly Premium Western WA |
$64.50iii | $48.35iii Starting rate for Individuals ages 26-50 Actual rate may be higher or lower depending on age |
$74.25iii |
Plan Year Maximum per person |
1st Year, 2nd Year, 3rd Year $1000/$1250/$1500 |
None | $2000 |
Shared Maximum Benefit | None | None | None |
Deductible | $50 | None | $100 Policy Lifetime |
Office Visit Copay | None | None | None |
Preventive Care Cleanings, exams, x-rays, and fluoride |
100% | $65 Copay |
100% |
Fillings | 1st Year, 2nd Year, 3rd Year 50%/60%/70% |
$115 Copay |
80% |
Crowns | 50%i | $740 Copayiv 1 crown per person per 12-month policy period |
50%i |
Root Canal | 50% | $535 Copayv 2 teeth in 12 months after purchase or renewal, once per tooth every two years after |
50% |
Implants | 50% | $2600 Copayiv | 50% |
Non-Surgical Extractions | 50% | $115 Copay |
50% |
Surgical Extractions | Not Covered | $230 Copay | 50% |
Periodontal Maintenance | 1st Year, 2nd Year, 3rd Year 50%/60%/70% |
Included in Preventive Care Visit | 50% Three per benefit year |
Orthodontics | Not Covered | Not Covered | Not Covered |
Cosmetics | Not Covered | Not Covered | Not Covered |
Annual Contract | Yes | Yes | Yes |
Waiting Periods | None | None | May Apply |
i Pretreatment Estimate is suggested. Clinical requirements must be met, crowns covered at 50% per tooth every seven years.
ii Frequency and percent coverage limits per service apply as outlined in the Plan Features per benefit year table.
iii These are benefit highlights only. Monthly premiums shown are examples of monthly rates for subscriber-only in Washington, effective January 2025. Actual rates may vary (higher or lower) based on plan effective date, plan choice, your age, your location, number of people insured, their age, and relationship to you. For full details of plan, benefits, and pricing, please visit DeltaDentalCoversMe.com.
iv Pretreatment Estimate is suggested. Clinical requirements must be met, 1 crown per person per 12-month policy period. 1 implant per person per 12-month policy period.
v 2 teeth in 12 months after purchase or renewal, once per tooth every two years after.