The Premium Plan is made for individuals and families looking for a plan with extensive per person dental coverage. It includes a high annual maximum, where we pay up to $2000 per person each year of dental benefits, decreasing the amount of additional money you have to pull out of your wallet for dental procedures.
It also offers a $100 policy lifetime deductible, per person covered on the plan, which means once each covered person pays $100 out-of-pocket for treatment, the lifetime deductible will never need to be paid again as long as you keep your policy.
With three periodontal maintenance cleanings per year, you will have access to great dental care all year long!
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. As an empty nester, I need a dental plan with a high annual maximum as I get older to prepare for any dental treatments and dental fillings 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 (also known as gum 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 found a dental plan that covers three periodontal maintenance cleanings per year at Delta Dental of Washington.
*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 $64.65 / $74.25 |
$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 | Plus Ortho Plan | |
| 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. | Orthodontic benefits such as braces and aligners installed by DMD or DDS. |
|
Monthly Premium Eastern WA |
$64.65iii | $56.10iii | $58.80iii |
|
Monthly Premium Western WA |
$74.25iii | $64.50iii | $67.55iii |
|
Plan Year Maximum per person |
$2000 |
1st Year, 2nd Year, 3rd Year $1000/$1250/$1500 |
$1500 |
| Shared Maximum Benefit | None | None | $250 per person up to $1250 |
| Deductible |
$100 Policy Lifetime |
$50 | $50 |
| 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% |
50% |
| Crowns | 50%ii | 50%ii | 50%ii |
| Root Canal | 50% | 50% | 50% |
| Implants | 50% | 50% | 50% |
| Non-Surgical Extractions | 50% | 50% | 50% |
| Surgical Extractions | 50% | Not Covered | 50% |
| Periodontal Maintenance |
50%iv Three per benefit year |
1st Year, 2nd Year, 3rd Year 50%/60%/70% |
50% One every six months |
| Orthodontics | Not Covered | Not Covered | 50%v |
| Annual Contract | Yes | Yes | Yes |
| Waiting Periods | May Apply | None | May Applyvi |
Coverage Percentages displayed in the tables above represent the percentage of the allowed amount that is covered by Delta Dental of Washington.
Don't see your question listed above? Check out the Individual and Family Plan FAQ page.
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.
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 No waiting period.
v $1500 lifetime maximum with 12-month waiting period
vi For Orthodontia covered procedures a 12-month waiting period applies. This means that DDWA will not pay towards any of these procedures until the covered members have been enrolled in this policy for 12 continuous months. The waiting period for Orthodontia treatment will be waived for your family if all family members were covered under another insured dental plan with orthodontic coverage for at least 12 continuous months before you enrolled in this plan, but only if there was no more than a 63-day gap between the previous plan and this plan. Documentation is required to waive the 12-month waiting period.
