Susan just recently retired and wants to stay healthy to enjoy her free time but doesn’t want to spend her hard-earned life’s savings to do it.
After ending my career, I want the best. I’m still healthy but that’s because I take care of myself. One of the things that’s important to me is my oral health. I’m an empty-nester and all about maximizing my coverage as I get older to prepare for anything I might need.
Damien and Gabby were high school sweethearts. Now they just want to enjoy each other’s company and live a healthy life.
My partner and I are lucky. We’ve done well and are lucky enough to have finally paid off our house. Now that our careers are on solid footing, we are focused on what we need to do to be healthy for life. We've always focused on healthy eating and an active life, but we had no idea that periodontal disease could be genetic. We're lucky that Gabby's dentist caught it early and has a plan for long-term management with scaling and deep root planning. We want our healthy smiles to stay; we're glad we can prioritize our dental needs without having to sacrifice value.
*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 |
Shared Maximum Benefit |
|---|---|---|
| Individual Starting Rateiii $62.75 / $72.10 |
$2000 per person | None |
| Deductible |
Office Visit Copay |
Preventive Care Cleanings (3x), exams (3x), bitewing x-rays (2x) and fluoride (1x) |
| $100 Policy Lifetime | None | 100% |
| Fillings | Crownsii | Root Canal |
| 80% | 50% | 50% |
| Non-Surgical and Surgical Extractions | Periodontal Maintenance (3x) | Orthodontics |
| 50% | 50% | Not Covered |
| Annual Contract | Waiting Periods | |
| Yes | May Apply |
| This Plan | |||
|---|---|---|---|
| Premium Plan | Ascent Plan | Optimum | |
| Description | High maximum, three periodontal maintenance cleanings, and policy lifetime deductible. | No waiting period and coverage that increases over the first two years you renew. | NEW for 2025. Highest dollar maximum, 100% coverage on most preventive care, and cost-sharing for cosmetic, restorative and major services. |
| Monthly Premium Eastern WA |
$62.75iii | $54.45iii | $76.10iii |
| Monthly Premium Western WA |
$72.10iii | $62.60iii | $87.40iii |
| Plan Year Maximum per person |
$2000 | 1st Year, 2nd Year, 3rd Year $1000/$1250/$1500 |
$5000 |
| Shared Maximum Benefit | None | None | None |
| Deductible | $100 Policy Lifetime |
$50 | $100 Policy Lifetime |
| Office Visit Copay | None | None | None |
| Preventive Care Cleanings, exams, x-rays, and fluoride |
100% | 100% | 100% |
| Fillings | 80% | 1st Year, 2nd Year, 3rd Year 50%/60%/70% |
80% |
| Crowns | 50%ii | 50%ii | 60%ii |
| Root Canal | 50% | 50% | 60% |
| Implants | 50% | 50% | 60% |
| Non-Surgical Extractions | 50% | 50% | 60% |
| Surgical Extractions | 50% | Not Covered | 60% |
| Periodontal Maintenance | 50%iv Three per benefit year |
1st Year, 2nd Year, 3rd Year 50%/60%/70% |
60%iv Three per benefit year |
| Orthodontics | Not Covered | Not Covered | Not Covered |
| Cosmetics | Not Covered | Not Covered | 50%v |
| Annual Contract | Yes | Yes | Yes |
| Waiting Periods | May Apply | None | May Apply |
i Frequency limits per service apply as outlined in the Plan Features per benefit year table
ii Pretreament Estimate is suggested. Clinical requirements must be met, crowns covered at 50% per tooth every seven years. Crowns covered at 60% per tooth every seven years under the Delta Dental - Optimum Plan.
iii These are benefit highlights only. Monthly premiums shown are examples of monthly rates for subscriber-only in Washington, effective January 2024. Actual rates may vary (higher or lower) based on 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 No waiting period.
v Includes teeth whitening/bleaching and veneers.
