Delta Dental of Washington Individual and Family Plans

What are Individual and Family plans and who are they for?

Individual and Family plans are for any resident of WA State. Individual plans are designed for anybody who does not have dental coverage through their current employer or would like additional dental coverage for themselves or for their family.

What are the dental plan options for individuals and families?

Delta Dental of Washington currently offers six different plans for both individuals and families. Both individuals and families are eligible for all six of our plan offerings.

When can my plan start?

Plans are available to start the first day of the following two months after purchase. Plans do not start mid-month.

Where can I find how much plans cost?

The monthly premium depends on how many people are covered in your household. And depends on the plan selected, the more the plan covers, the higher the price. For example, people who only want a plan to cover simple cleanings might select the Basic plan. Others may prefer a plan that covers three cleanings for gum disease, they might select the Premium plan. Please see https://www.deltadentalwa.com/our-plans/individual-and-family-plans/individual-dental-insurance-plans for Individual and Family plan costs.

How much can I save by enrolling in a dental benefits plan?

All our Individual and Family plans include Delta Dental of Washington’s largest network of providers. As a plan member you have access to discounted charges on common dental treatments like crowns, root canals, exams & cleanings, fillings, implants and more (except Basic Plan is limited to exams & cleanings, fillings). Check out our Compare Treatment Costs Tool to see what the average cost of a service is with and without an Individual and Family dental plan.

Waiting Periods - what are they and when do they apply?

For certain plans and covered procedures, a 12-month waiting period applies. This means that DDWA will not pay towards any of these procedures until you have been enrolled in this policy for 12 continuous months. Any waiting periods will be waived for you if you were covered under another insured dental plan 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 your previous plan and this plan.

Our plans are designed to be effective and affordable with focus on building lifelong oral health. Only getting dental when something is wrong is expensive for the member and the plan, that is the purpose of waiting period, to reduce cost and reward regular visits to the dentist. It is important to note that preventive care such as exams, x-rays, cleanings never have a wait period on any of our plans. And there are two plans, Ascent and Clear, that are not subject to wait periods on any covered procedure.

What is the Annual Dollar Maximum?

The annual dollar maximum on a plan is the most the plan will pay for each covered individual in a benefit year.

How does the Family Share Maximum Benefit Work?

On the “Family Plus Plan,” each covered individual on the plan has their own yearly maximum of $1,500 to be used towards services throughout the benefit year. With the “Family Share Maximum Benefit,” you are given an additional $250 Maximum Benefit for each person on the plan, up to five individuals. This additional money is pooled together and any individual who uses up their personal maximum can utilize the money in the shared maximum bank. Please see the chart below for a visual explanation.

How do I enroll in a new Individual and Family plan?

Please visit deltadentalcoversme.com to get a quote and enroll in a plan.

Who can I call to learn more about enrolling in a new Individual and Family plan?

Please call 1(844) SMILE 01 or 1(844)-764-5301 to speak with a representative about enrolling in a new Individual and Family plan.

What is DeltaVision® and how do I add a DeltaVision® plan to my new Individual and Family dental plan at checkout?

Delta Dental of Washington, in partnership with VSP Vision Care, offers two affordable Individual and Family vision plan options, DeltaVision Essential 150® and Delta Vision Brilliance 200®, to add to your dental plan at checkout. During checkout on deltadentalcoversme.com you will be prompted with the option to add one of our two vision plans. If you are not interested in purchasing a DeltaVision® plan at this time, you may select “Continue with Dental Only” at the bottom righthand corner of your screen during the checkout process.

How do I find a dentist near me?

Check out our Find a Dentist tool to search for a dentist within your location.

How can I compare in-network versus out-of-network treatment costs?

Use our Compare Treatment Costs tool to see the average difference between billed charges of in-network and out-of-network dentists for a variety of treatments based on zip code.

How do I view and manage my current Individual and Family account and plan?

Please visit deltadentalcoversme.com and click "Sign In" on the top righthand corner of the page. If you do not already have an online account, select "Register" or "Create an account" and input your policy holder information. You may also call 888-899-3734 to speak with a representative during weekdays from 8am-5pm.

How do I change or end a plan at renewal?

If you don’t want to renew this policy, or coverage for a dependent under this policy, send us written notice (either electronically or through the regular mail) before the policy’s Renewal Date. If you do, this policy will end on the last day before the Renewal Date.

Plan changes may be done over the phone with a Sales Representative or by submitting a new paper application. Cancellations and new applications for a plan change must be submitted within 60 days of the contract end date.

What is covered and what do I pay?

We pay for the least expensive, professionally acceptable dental procedure necessary to fix the dental problem, as outlined in the section What Is Covered and What You Pay. You are responsible for the difference in cost if a more expensive dental procedure is elected.

Why are procedures such as bone grafts, sinus lifts, and tissue regeneration not covered?

These services are excluded from coverage to assist in keeping premiums affordable.

How do I add DeltaVision® to my current dental plan?

DeltaVision® can be added at your dental plan renewal. To add DeltaVision® to your current dental plan at renewal, please call 1(844) SMILE 45 or 1(844)-764-5345.

How do I find a dentist near me?

Check out our Find a Dentist tool to search for a dentist within your location.

How can I compare in-network versus out-of-network treatment costs?

Use our Compare Treatment Costs tool to see the average difference between billed charges of in-network and out-of-network dentists for a variety of treatments based on zip code.