Delta Dental is the largest dental insurance company in our area. They are also the largest insurer in the country. Believe it or not, Delta Dental is actually made up of 39 independent Delta Dental companies, which is why your card may say Delta Dental of PA or TN, instead of Delta Dental of NJ. Fear not! Even though your insurance card has another state or region listed, they are all part of the Delta Dental system.
The most popular plan with Delta Dental is all of our local school systems – Chester School District Board of Education, Mendham Township Board of Education, Mendham Borough Board of Education, Roxbury Board of Education, Randolph Township Board of Education, Mount Olive Township Board of Education, and many many others.
Another extremely popular plan is the Atlantic Health System – Morristown Medical Center, Overlook Medical Center, Chilton Medical Center, Goryeb Children’s Hospital, Hackettstown Medical Center, etc!
There are many other local corporations and companies that use Delta Dental as their dental insurance – Saint Clare’s Hospital (Prime Healthcare), Bayer Corp, Mondelez International, Siemens, Grifols, NJ Bankers Association, Covanta Energy Corp, Dell, Patient Point Holdings, Becton Dickinson, Lakeland Bancorp, Stryker Corp, Fox Entertainment Group, ExpressScripts, Morris County College, Riker Danzig Scherer Hyland & Perretti LLP, Sussex County Vocational School, CVS Caremark, Safilo, Pfizer, Sanofi, Brother International Corp, Edward Jones Co., Hewlett Packard, GAF Corp, Mercedes Benz, Valley National Bank, Walmart, BASF, Chilton Memorial Hospital, Pepsico.
For the most part, Delta Dental has pretty standard dental plans. Cleanings are almost always covered at 100%, fillings at 80%, and major treatment at 50%. Of course there are exceptions, the most notable being Atlantic Health. They’ve created their own policy and called it SmileCare. The policy tries to force you into seeing a contracted dentist, but the truth is, you don’t need to! We have many patients that use their Atlantic Health dental insurance at our office. Read the full article here.
Those who purchase insurance on their own often purchase an individual plan from Delta Dental called the Clear Plan. The Clear Plan can be used at any dental office that accepts Delta Dental. The Clear Plan is interesting because it is a fixed copay system. Basically, you pay a predefined amount for treatment, and Delta Dental pays the rest. Some examples: your cleaning appointment will have a $60 copay, fillings have a $120 copay, and crowns have a $750 copay. The cost in our area for a single adult is around $600 per year, so it might not make financial sense to purchase it on your own.