A Guide to Delta Dental of Washington's Individual and Family Plans

Having dental health benefits is one of the most impactful ways you can protect your overall and oral health. You can keep health expenses lower than they would be without coverage and take advantage of preventive care treatments more often. But what if you’re one of the nearly 30 million Americans who do not have dental health benefits coverage through an employer?

At Delta Dental of Washington, we offer a variety of Individual and Family plans for anyone residing in Washington state who does not have coverage through an employer or is seeking additional benefits not covered by an employer. You can enroll in your plan at any time and, since dental benefits tend to be lower cost than medical coverage, they are a great way to take a big step toward protecting your overall health.

Here’s everything you need to know about our Individual and Family plans before you enroll.

Don’t let the name fool you. Individual and Family plans are available to anyone looking for coverage for people enrolling directly with us, and not through their employer. There are six plans in this category with varying benefits and different dental needs in mind. For example, our Plus Ortho Plan is geared towards individuals looking for a plan that covers orthodontia needs such as braces and aligners. There are also some plans that are best for younger families and a few that we recommend specifically for retirees. Dig into the details of each individual plan here.

An Individual and Family plan can be for any individuals and families who don’t have dental coverage through their employer or wish to enroll in coverage themselves for any reason. It serves as a bridge to accessible and affordable dental care, ensuring that you and your family's oral health doesn’t take a backseat to your other health priorities.

NEW: Delta Dental Optimum Plan

A plan designed for those who expect the best. Plan coverage for cosmetic procedures like teeth whitening, bleaching and veneers to ensure that your teeth feel and look the best they can. $5,000 plan maximum and highest coverage on restorative procedures such as crowns, root canals and dental implants.

Delta Dental Premium Plan

With a high annual maximum available and a policy lifetime deductible of $100 per person, this is the plan for you if you are looking for a plan with extensive coverage. A higher monthly premium with lower out-of-pocket expenses for dental visits. Plus, if you have gum disease, this plan offers three periodontal maintenance cleanings per benefit year!

Delta Dental Plus Ortho Plan

Just like it sounds. This plan covers 50% of braces and aligners installed by a DMD or DDS and 100% of most preventive care visits with your dentist!

Delta Dental Ascent Plan

Get covered immediately and watch the benefits grow over time! With no waiting period, coverage for this plan kicks in on the first of the next month after you enroll, and the amount of coverage increases starting 2 years in.

Delta Dental Enhanced Plan

Bang for your buck is the whole point. Get 100% coverage on most preventive treatments and 50% on major procedures with a lower monthly premium.

Delta Dental Clear Plan

Do you want to know exactly what you’ll pay for each procedure? This plan has fixed copay amounts for common treatments and has no waiting period, so your coverage starts the very next month after you enroll.

Delta Dental Basic Plan

Basic in name only, this plan offers 100% coverage on most preventive treatments and 50% on fillings and non-surgical treatments. It’s a great place to start if you’ve got a healthy mouth and want to keep it that way!

View a detailed list of our Individual & Family dental plans.

• Savings and Affordability: One of the most compelling reasons to enroll in these plans is the potential for significant cost savings. With low-cost monthly premiums, individuals and families can access comprehensive dental care without straining their budgets. Except for the Clear Plan, our plans cover all your dependents so a household with more than one child won’t pay a higher premium. Not convinced? Try our Compare Treatment Costs tool to see the average cost of treatments with and without a dental benefits plan.


• Access to a large provider network: Delta Dental of Washington boasts an extensive network of dental providers, ensuring that plan members have access to quality care wherever they are in the state. This vast network enhances convenience and choice, allowing individuals and families to select providers that suit their preferences and needs.


• Comprehensive coverage: From routine cleanings to complex procedures like crowns and root canals, these plans offer comprehensive coverage to address a wide range of dental needs. Depending on the selected plan, coverage may include exams, cleanings, fillings, implants, and more, providing peace of mind and comprehensive protection for dental health.

You can enroll anytime. If you have not had prior coverage, certain procedures require a waiting period on the Delta Dental Optimum, Premium, Plus Ortho, Basic, and Enhanced plans. The Delta Dental Clear and Ascent plans begin coverage on the first of the next month after enrollment.

For more information and details about our plans and to get a quote, visit the Individual and Family Plans dental plans page. Or check out our Interactive Plan Finder to find the plan that best fits your needs. And if you still have questions, you can speak to a representative by calling 844-764-5301, Monday – Friday 5am-5pm, PT.

Alternative Individual and Family plan options:

If you are eligible, we also offer two Washington Health Benefit Exchange Qualified Dental Plans through the Washington Healthplanfinder™. 2025 Coverage through Washington Healthplanfinder™ is available by special enrollment only. Click here for more details.

Remember, dental health is the gateway to overall health. And with cost-effective plans available to Washington individuals and families, it has never been easier to start your health journey with dental benefits. With a focus on savings, access to a vast provider network, and comprehensive coverage, Delta Dental of Washington’s Individual and Family plans empower individuals and families to prioritize their oral health without compromise.