Plan Details
Delta Dental PPO Basic
A simple, lower-cost option for routine dental care.
This plan is best for people who stay on top of cleanings and don’t expect major dental work. It focuses on preventive care and basic services while keeping monthly costs lower than more comprehensive plans.
- About $85.86/month for a Utah family
- Preventive care covered at 100% from day one
- $50 annual deductible (waived for preventive)
- $1,000 annual maximum per person
- No coverage for major services
Routine-focused coverage for everyday dental care.
Who Delta Dental PPO Basic Fits Best
Best For
- families staying consistent with cleanings
- people not expecting crowns or root canals
- those wanting real insurance at a lower monthly cost
Not Ideal For
- anyone expecting major dental work
- people who may need crowns or root canals
- those wanting stronger long-term coverage
Why It Stands Out
- strong preventive coverage from day one
- lowest insurance premium in this lineup
- large PPO network
How Delta Dental PPO Basic Works
This plan is built around preventive care and basic services, with a straightforward structure so you know what to expect.
- You pay a monthly premium for coverage.
- Preventive services are covered at 100% right away.
- There is a $50 annual deductible for basic services (not preventive).
- Basic services like fillings are covered at 50% after a 6-month waiting period.
- The plan pays up to $1,000 per year per person.
- Major services are not covered at all under this plan.
- You can use any dentist, but PPO dentists usually cost less.
Key Features at a Glance
- large PPO network
- can visit any dentist
- preventive covered immediately
- simple structure: preventive + basic only
- lower monthly cost than comprehensive plans
What’s Covered Under This Plan
Preventive Care
- exams
- cleanings
- x-rays
- covered at 100% from day one
Basic Services
- fillings
- simple extractions
- covered at 50% after 6-month waiting period
Major Services
- crowns
- root canals
- bridges
- dentures
- NOT covered under this plan
Coverage details and limits should be confirmed during enrollment.
What You Need to Know Before Choosing This Plan
Delta Dental PPO Basic works well as a maintenance plan, but it has clear limits you should understand up front.
- this plan does not cover major dental work
- if a crown or root canal is needed, you will pay out of pocket
- there is a 6-month waiting period for basic services
- annual benefits are capped at $1,000
- best used as a maintenance plan, not a protection plan for larger procedures
“If you think you may need major dental work, this is likely not the right plan.”
When This Plan Makes the Most Sense
A family keeps up with regular cleanings and doesn’t expect any major procedures. They want a simple, affordable plan that covers preventive care and helps with occasional fillings. In that situation, Delta Dental PPO Basic is often a good fit.
If a dentist later recommends major work, you may need to switch to a different plan.
What It’s Like to Work With Delta Dental
Delta Dental is widely used across the country, which can make it easier to find providers and understand how your benefits work.
- one of the largest dental networks in the country
- hundreds of PPO dentists available locally
- easy to find in-network providers
- can still go out-of-network if needed
- widely accepted by dental offices
- straightforward claims and benefit structure
Questions About Delta Dental PPO Basic
Does this plan cover crowns or root canals?
No. Delta Dental PPO Basic does not cover major services such as crowns, root canals, bridges, or dentures. If you expect to need this type of work, a different plan will likely be a better fit.
What is the deductible?
The annual deductible is $50 per person. The deductible is waived for preventive services, so you do not pay it for cleanings, exams, or routine x-rays.
When do benefits start?
Preventive services are covered at 100% from day one, subject to plan limits. Basic services like fillings have a 6-month waiting period and are then covered at 50%.
Can I use my current dentist?
You can visit any licensed dentist. However, you will usually pay less when you see a Delta Dental PPO provider, because they have agreed-upon discounted fees.
What happens if I need major work later?
If your dentist recommends major work, this plan will not pay toward those procedures. You may need to pay out of pocket or review other plan options that include major services for future care.
Is this good for families?
Yes, for families who stay up to date on regular cleanings and do not expect major procedures, this plan can be a practical, lower-cost way to maintain preventive and basic coverage.
What is the annual maximum?
The plan pays up to $1,000 per year per person for covered services. Once that limit is reached, you pay any additional costs for the rest of that year.
Ready to Enroll in Delta Dental PPO Basic?
If this fits your situation, you can enroll below. If not, go back and compare the other plans.