Delta Dental - Premium Plan

Our Best-Selling Individual and Family Dental Plan


The Premium Plan is made for individuals and families looking for a plan with our highest 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 and our highest available plan coverage, you will have access to great dental care all year long!

Which plan is right for you? Click on each person below to find out why they chose the Premium Plan*


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 

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.

Plan Highlights
  • 100% coverage on most preventive services such as cleanings, exams, x-rays, and fluoridei
  • Annual plan maximum of $2000 - the maximum amount DDWA will pay per person, per benefit period
  • 80% coverage for fillings and 50% coverage for crownsii, root canals, surgical and non-surgical extractions, and periodontal maintenancei
  • $100 policy lifetime deductible
Plan Features per benefit yeariii
Monthly Premium
Eastern/Western WA
Plan Year Maximum
Shared Maximum Benefit
Individual Starting Rateiii
$62.75 / $72.10
$2000 per person None
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  
Compare to Similar Plans
  This Plan    
  Premium Plan Enhanced Plan Plus Ortho Plan**
Monthly Premium
Individual Starting Rate
Eastern WA / Western WA
$62.75 / $72.10iii
Eastern WA / Western WA
$50.85 / $58.50iii
Eastern WA / Western WA
$57.10 / $65.60iii
Plan Year Maximum
per person
$2000 $1000 $1500
Shared Maximum Benefit None None Shared Maximum Benefit $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% 50%iv 50%
Crowns 50%ii 50%ii 50%ii
Root Canal 50% 50% 50%
Non-Surgical Extractions 50%
Includes surgical and nonsurgical
Includes surgical and nonsurgical
Periodontal Maintenance 50%
Three per benefit year
One per six months
Orthodontics Not Covered Not Covered 50%
$1500 lifetime maximum with 12 month waiting periodv
Annual Contract Yes Yes Yes
Waiting Periods May Apply May Apply May Apply

** Family Plus Plan to be renamed Plus Ortho Plan, effective January 2024.
Frequency limits per service apply as outlined in the Plan Features per benefit year table

ii 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 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

iv Tooth-colored fillings on back teeth not included.

Waiting period may be waived if you have had prior ortho coverage.