The Optimum Plan is the plan designed for those who expect the best. Optimum offers the most comprehensive dental care and coverage of all our plans – including most popular cosmetic dental procedures!
You value exclusive experiences and timeless elegance, so we designed the Optimum Plan with you in mind by including cost-sharing benefits for professional teeth whitening, teeth bleaching services, and veneers to ensure that your teeth feel and look the best they can.
With 60% coverage on restorative dental care for procedures such as crowns, root canals, and dental implants, you can save money on major care and take your smile to the next level.
Optimum Plan Dental Benefit & Procedure Highlights
100% coverage on most preventive services such as cleanings, exams, x-rays, and fluoridei
Cosmetic dental procedures: 50% on teeth whitening or bleaching, 60% on veneers
Increasing plan year maximum (the maximum your dental plan will pay for your dental care in one plan year) over the first two years you renew the policy
80% coverage on fillings
60% coverage on restorative dental care. Includes crownsiii, root canals, implants, and surgical and non-surgical extractions
60% coverage on periodontal maintenanceiv (3 per benefit year)
Learn why the Optimum Plan is great for those seeking cosmetic dental procedures by clicking on each profile below.
Retired early and living in her dream home, Denise wants to use her extra time to explore cosmetic dentistry options that will keep her mouth looking as young as she feels.
I had a great career that allowed me to save enough to have a social, busy, and rewarding life in retirement. I want to look as young as I feel and the one thing I'd like to do is treat myself to professional teeth whitening by a dentist. I'll still go in for regular cleanings and all that, but I'd like to explore whitening or veneers to make my smile as bright as my wardrobe (if my dentists and I decide cosmetic dentistry is right for me).
Logan wants comprehensive dental coverage that supports his dental needs today while allowing him to work towards affording more expensive cosmetic dental care in the future.
Running my own business has taught me to plan ahead. My dental needs are fairly routine today, but I want a plan that will allow me to get teeth whitening or teeth bleaching in the future so that I can smile and present myself to clients with full confidence. If I stay in the Optimum Plan for at least two years, my annual maximum increases to $5,000. This gives me time and flexibility to consider professional whitening or other expensive procedures in the future while allowing me to stay on top of my current dental needs.
*Personas are fictional and only intended to represent possible oral health needs and situations. They are not inclusive of all needs or circumstances. **Consult with a dentist and check dental benefit coverage for cosmetic dental procedures.
Plan Features per benefit yeari
Monthly Premium Eastern/Western WA
Plan Year Maximum per person
Shared Maximum Benefit
Individual Starting Rateii
$97.30 / $111.70
1st Yr, 2nd Yr, 3rd Yr $2000/$3000/$5000
None
Deductible
Office Visit Copay
Preventive Care Cleanings, exams, x-rays, and fluoride
Does the Optimum Plan cover cosmetic dental services?
Yes. The Optimum Plan includes benefits for eligible cosmetic dental procedures, giving you comprehensive dental care options that go beyond standard routine preventive and restorative care. Specifically, the Optimum Plan covers 50% on teeth whitening and bleaching and 60% on veneers.
Does the Optimum Plan cover professional teeth whitening or teeth bleaching services?
Yes, the Optimum Plan includes 50% coverage for eligible professional teeth whitening or teeth bleaching services performed by a dentist. Your coverage and out-of-pocket costs will depend on the applicable plan benefits and your available plan maximum. Learn more about teeth whitening and teeth bleaching here.
How much does whitening or bleaching teeth cost at the dentist?
Dental veneers are ultra-thin, custom-made shells designed to cover the front surface of teeth. Crafted from ceramics or composite resin, these veneers are bonded to the teeth, creating a natural-looking and attractive smile. Veneers are a versatile solution for addressing various dental imperfections, including discoloration, chipped or worn teeth, irregular shapes, and even slight misalignments. Learn more about veneers here.
How does the Optimum Plan annual maximum increase over time?
Your annual maximum (also known as a plan year maximum) increases as you renew your Optimum Plan coverage. When you first enroll, you will have a $2000 annual maximum for the first year of your plan. If you renew your plan for a second year of coverage, you will have a $3000 annual maximum. After you renew the plan for a third year, you will have a $5,000 annual maximum. Learn more about annual maximums here.
What is an increasing annual maximum?
An annual maximum (also known as a plan year maximum) is the most your dental plan will pay toward eligible covered services during a benefit year. With the Optimum Plan, that amount increases over time, helping you prepare for dental needs that may arise in the future. Learn more about annual maximums here.
Can the increasing annual maximum (plan year maximum) help pay for more expensive dental procedures?
Yes, as your annual maximum increases, more benefit dollars may be available for eligible higher-cost procedures. This can provide additional flexibility if you need extensive dental treatment or choose a covered cosmetic service in the future.
Why should I maintain my Optimum Plan coverage?
Maintaining your coverage allows your annual maximum (plan year maximum) to increase over time. This can help you plan for future dental needs while continuing to receive coverage for eligible preventive, restorative, and cosmetic dental services.
I'm an employer looking for group dental plan options, what choices do I have?
Delta Dental of Washington has a variety of dental and vision benefit options for your business.
*Optimum Plan effective dates as early as January 1, 2027.
i These are benefit highlights only. Monthly premiums shown are examples of monthly rates for subscriber only in Washington, effective January 2027. 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.
ii Individual 12-month contracted rate.
iii A pretreament estimate is suggested. Clinical requirements must be met, crowns covered at 50% per tooth every seven years for persons ages 12 years and older. Crowns covered at 60% per tooth every seven years for persons ages 12 years and older under the Delta Dental - Optimum Plan.
iv No waiting period.
v This Policy has a 12-month Waiting Period that applies to certain covered procedures. This means that Delta Dental of Washington will not pay for any of these procedures until you have been enrolled in this Policy for 12 continuous months. If you were covered under a comparable full-coverage dental plan that included Major services, for at least 12 continuous months before enrolling in this Plan, any Waiting Periods will be waived—provided there was no more than a 63-day gap between your previous coverage and this Policy. To request that the waiting period be waived, you must provide details about your previous coverage.
