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Dental
Plans
We frequently hear from our fellow Delta retirees about the importance of quality dental coverage, especially when they learn that Medicare does not cover most dental care such as cleanings, fillings, or dentures. That’s why we selected two dental plan options for our members from Delta Dental, a nationally-recognized insurer.
NEW for 2021: The Trust’s PPO and HMO-type dental plans will be insured by Delta Dental. Enhancements include:
• Both plans now available in all 50 states! * • PPO plan allows two cleanings per year
• Expanded network access in many areas
with the timing of your choice (separation by 6 months not required)
* HMO-type plan not available in the Territory of Puerto Rico.
Delta Dental PPO Plan
The Delta Dental PPO gives you supreme flexibility to choose any dentist you want regardless of his or her participation in Delta Dental’s network. And, when you use an in- network dentist, many procedures, like preventive care and x-rays, may be 100% covered.
For more complex services, including fillings, root canals, and restorative services, you’ll be responsible for a deductible and a percentage of the cost. For details about the Delta Dental PPO, review the Summary of Benefits on page 44 in this booklet.
Delta Dental HMO-type Plan
We selected an HMO-type dental plan from Delta Dental to provide Insurance Trust members with a highly affordable option that covers nearly all dental services when you use an in-network dentist and pay a predetermined copayment.
The Delta Dental HMO has no yearly maximum benefit, and you don’t have to reach a deductible before accessing your benefits. Plus, most preventive services, such as routine teeth cleanings, require no copayment at all.
Out-of-network visits are not covered. You must designate and use a participating provider for benefits.
For a Summary and Comparison of benefits, please see page 44.
Insurance Trust For Delta Retirees | 2021 Benefits & Resources Guide | 17