The Premium Plan is made for individuals and families looking for a plan with extensive per person dental coverage. It offers our highest annual maximum, paying 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.
Premium also covers fillings at 80%, more than any other plan we offer.
With three periodontal maintenance cleanings per year, you will have access to great dental care all year long!
Premium Plan Dental Benefit & Procedure Highlights
100% coverage on most preventive services such as cleanings, exams, x-rays, and fluoridei
$2000 plan year maximum (the maximum amount Delta Dental of Washington will pay per person, per benefit period)
80% coverage on fillings
50% coverage on restorative dental care includes crownsii, root canals, and implants
50% coverage on surgical and non-surgical extractions
50% coverage on periodontal maintenancei (3 per benefit year)
Learn why our Premium Plan fits a variety of needs for high annual maximum dental coverage and periodontal maintenance by clicking on each profile below.
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.
Plan Features per benefit yeariii
Monthly Premium Eastern/Western WA
Plan Year Maximum
Shared Maximum Benefit
Individual Starting Rateiii
$68.15 / $78.30
$2000 per person
None
Deductible
Office Visit Copay
Preventive Care Cleanings (3x), exams (3x), bitewing x-rays (2x) and fluoride (1x) annually
Your annual maximum is the most Delta Dental of Washington will pay for covered care in a year. After you hit that amount, you’ll need to pay for any other dental services yourself until your benefits reset.
Read our article explaining in detail what an annual maximum is here.
What is periodontal disease and what is periodontal maintenance cleaning?
Periodontal disease is an infection of the tissues that surround and support your teeth. It can show up as swelling, bleeding, and sore gums. If it isn’t treated, it can spread and cause bigger problems for your teeth and mouth, including tooth loss. A periodontal maintenance cleaning is
a deeper kind of cleaning that helps keep gum disease under control and prevents it from getting worse.
Explore our guide to gum disease and treatment options here.
Does the Premium Plan cover periodontal maintenance and gum disease treatment?
Yes. The Premium Plan helps with many types of gum disease treatment, like surgery, scaling and root planing, or removing infected gum tissue. It also helps cover the cost of periodontal maintenance
cleanings. In most cases, the plan pays half the bill after your deductible and a 12-month waiting period.
How much does periodontitis treatment cost without dental coverage?
The price depends on how serious the gum disease is and what kind of treatment you need. A regular cleaning can be just over $100, but deep cleanings, surgery, and other gum treatments can cost hundreds to thousands of dollars if you’re paying out of pocket. To get an approximate range of
costs for procedures in your area, try out our online Cost Estimator tool.
How much is a dental filling with dental coverage?
With the Premium Plan, most fillings are covered at 80% once you’ve met your deductible. What you pay will depend on your dentist, where you live, and if your dentist is in your plan’s network.
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.
i Frequency limits per service apply as outlined in the Plan Features per benefit year table
ii A pretreatment 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 2026. 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.
