Frequently Asked Questions
We know that you have questions when making decisions on dental coverage. We have anwsers. We've assembled a set of frequently asked dental insurance related questions to help you get the answers you need quickly.
Should you have questions that are not answered here, please contact us directly at (800) 971-4108. We strive to answer every inquiry quickly and accurately.
How do I pay Delta Dental for my dental coverage?
You may choose to pay a single annual payment, or make 12 monthly payments that include a $1.50 monthly transaction fee.
What payment methods do you accept?
You can pay using MasterCard, Visa, or bank draft.
What is not covered by this plan?
To determine what is or is not covered by this plan, go to the Rates and Coverage page.
Are there waiting periods?*
There are no waiting periods for preventive care and most basic services. There is a 6 month waiting period for fillings and some Major Services, while other Major Services may have a 12 month waiting period. Review Rates & Coverage to see if there is a waiting period on a particular service.
Does this plan offer “two free cleanings a year?”*
This plan covers two prophylaxes (cleanings) during the 12-month benefit/contract period. When visiting a Delta Dental PPO network dentist, cleanings are covered at 100% for Standard Option members. Members of the Co-pay Option have a $20 co-pay on Preventive services.
Will there be a deductible?*
The deductible is $50 per individual and up to $150 per family per benefit/contract year. There is no deductible for Preventive care when visiting a Delta Dental PPO network dentist.
Is there a co-pay?
You have two plan options: Standard Option and Co-pay Option. The Co-pay option has a $20 co-pay on preventive services.
What is the annual maximum?*
The annual maximum is $1,000 per member per benefit/contract year.
Are implants covered?*
After a 12 month waiting period, implants are covered at 50% when visiting a Delta Dental PPO network dentist, and at 40% when visiting an out-of-network dentist.
Are orthodontics/braces covered?*
Orthodontics and/or braces are not covered under this plan.
Is tooth whitening covered?*
Tooth whitening is not covered under this plan.
Are white/composite fillings covered?*
Yes, white/composite fillings are covered after a 6 month waiting period at 80% when visiting a Delta Dental PPO network dentist, and at 60% when visiting an out-of-network dentist.
How long is my policy in effect?
Your policy is in effect for 12 months from your effective date of enrollment.
If necessary, how can I cancel my policy?
To cancel coverage, you must submit a written request to:
Delta Dental of Tennessee
P.O. Box 1596
Indianapolis, IN 46206-1596
If you cancel your coverage you cannot re-enroll for another 12 months and waiting periods will apply.
*The above information provides only a sample of benefits. For complete coverage details, please call Delta Dental Customer Service at (800) 971-4108.