Dental

Overview

Rady Children's Health offers a choice of dental plans with different benefit levels and costs, so you can choose the one that works best for you.

The DeltaCare USA offers the convenience of scheduled copays for specific procedures and eliminates deductibles or annual plan maximums. However, coverage is provided only for services received in the DeltaCare network.
The Delta Dental PPO Standard and Delta Dental PPO Buy-Up offer access to a national network of dentists. You may see any provider you choose, but you will save money if you receive services from a dentist in the Delta Dental PPO network. If you’re unable to find a PPO dentist, consider choosing a Delta Dental Premier dentist. These providers have agreed to set fees, giving you an additional way to save on your dental care.

You can enroll in dental coverage as a new hire, newly eligible for coverage, during Open Enrollment, or if you have a qualifying life event.

Our dental coverage provides:

Free in-network preventive and diagnostic care

to help keep your teeth healthy.

Affordable coverage

that helps you manage the cost of dental treatment.

Wide network of providers

that have agreed to negotiated rates, which helps you save money.

Plan Comparison

Coverage details

	DeltaCare USA	Delta Dental PPO Buy-Up	Delta Dental PPO Standard
Deductible (individual/family)	None	$25 / $75 (waived for diagnostic and preventive, and orthodontic services)	$50 / $150 (waived for diagnostic and preventive, and orthodontic services)
Calendar year maximum	None	$2,000	$1,000
Diagnostic and preventive care	$0-$10 copay*	100%	100%
Basic restorative	$0-$205 copay*	85%	70%
Major restorative	$80-$195 copay*	55%	50%
Orthodontic services	$1,700 (child), $1,900 (adult)	65% for adults and children	50% for children only
Orthodontic services lifetime maximum	None	$2,000	$1,000

* See dental HMO copay schedule for full details.

You pay for dental coverage through pre-tax premiums from your paycheck. The amount you pay will depend on which plan you choose and whether you cover just yourself or family members, too. You can view your plan costs on the SharePoint sites for Orange County and San Diego.

Under the Delta Dental PPO plans, you can see any dentist you want, but you’ll generally pay less by staying in network. Selecting a dentist in the Delta Dental network will ensure you receive your plan’s highest benefits. Visit the Delta Dental website to find an in-network dentist near you.

Request an estimate for procedures and services your dentist believes will exceed $300 (procedures such as crowns, inlays, bridges, and periodontics). For more information, call Delta Dental at 888-335-8227 if enrolled in the PPO plans, or 800-422-4234 if enrolled in the HMO plan, or visit the Delta Dental website.

Use your Health Savings Account (HSA), Limited Purpose Flexible Spending Account (FSA), or Health Care FSA to pay for eligible dental expenses with tax-free dollars.

Visit the Delta Dental website to find a dentist, review claims, check coverage details, and more.

HMO Plan

The DeltaCare USA offers the convenience of scheduled copays for specific procedures and eliminates deductibles or annual plan maximums. However, coverage is provided only for services received in the DeltaCare network.

PPO Plan

The Delta Dental PPO plans offer access to a national network of dentists. You may see any provider you choose, but you will save money if you receive services from a dentist in the Delta Dental PPO network.

Click here to learn how and why to choose a Delta Dental PPO dentist.

Find a Dentist

To find an in-network provider, visit Delta Dental. Enter your address, city, or ZIP code, and select your plan’s network. Be sure to select the correct network from the drop-down list so you can find the right provider:

If you enroll in the DeltaCare HMO plan, select the DeltaCare USA network. Coverage is provided only if you see an in-network provider.
If you enroll in the Delta Dental PPO, you can select the Delta Dental PPO network, which provides access to a national network of dentists. You may choose to see an out-of-network provider, but you will save money if you see a provider in the Delta Dental PPO network. If you’re unable to find a PPO dentist, consider choosing a Delta Dental Premier dentist. These providers have agreed to set fees, giving you an additional way to save on your dental care.

Tools & Resources

Your dental plan offers additional features to help you get the most from your coverage.