Delta Dental Plans
The Delta Dental approach to dental insurance is simple – plan options to fit your dental needs backed by one the largest dental networks nationwide and award-winning service. It’s really that simple. Delta Dental individual dental insurance is an affordable way to maintain dental health when you are not eligible for benefits through an employer.
Plan highlights include:
- Network access: A wide network of dentists within Texas to choose from.
- You can visit any dentist, and will almost always pay less out-of-pocket when visiting a Delta Dental Network provider.
- Preventive care focus: Full coverage for routine cleanings, exams, and x-rays.
- PPO option: Most commonly offered as a PPO plan, allowing you to see any dentist but offering better benefits when using in-network providers.
- Cost savings: Lower out-of-pocket costs when utilizing in-network dentists.
- Coverage tiers: Depending on the plan, varying levels of coverage for basic services like fillings and major services like crowns.
- Orthodontic options: Some plans may offer limited orthodontic coverage with waiting periods.
- View the DeltaCare USA Basic Plan TX A70, Deltacare DPO Basic, and Deltacare DPO Premium plan brochures for additional details.
Network for greatest savings.
- Over 400,000 access points nationwide
- Over 100,000 unique providers nationwide
- 94% provider persistency
Plan Designs
Delta Dental offers 3 plans: DPO Premium, DPO Basic, and DeltaCare USA TXA70 with a choice of a $1,000 or $2,000 annual benefit.
The Delta Care USA TX A70 Dental plans are best for individuals using an Delta Dental network provider.
The DPO Premium is best for individuals using a non-network provider. The Delta Dental Network plans provide great discounts for using in-network dentists and prevents any billing "surprises" that dentists outside of the network may charge balance billing (bill the patient for larger amounts than the insurance company pays).
DPO Plans
- Designed for someone looking for coverage on all services
- Coverage levels increase year after year
- Plan providing coverage beginning day one
- Choice of $1,000 or $2,000 maximum per year benefit
DeltaCare USA Plans
- Designed for someone looking for higher coverage levels
- Includes orthodontics, dentures and implants
- Coverage on major services starts day one
- No annual maximum benefit limit
Network vs. Non-Network
- All plans offer out-of-network benefits
- Non-network plans provide higher levels of coverage for non-network dentists
- Network plans are cheaper, and are a good way to save money if your dentist is in network
| DPO Premium Plan | DEP Basic Plan | DeltaCare USA TXA70 | ||
|---|---|---|---|---|
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| Network | Designed for those who will utilize a Delta Dental Network provider | Freedom to use any dentist, opportunity to utilize a Delta Dental Network provider for additional savings | Designed for those who will utilize a Delta Dental Network provider | |
| Maximum Benefit | $2,000 calendar year benefit | $1,000 calendar year benefit | No Maximum | |
| Deductible (Basic & Major only)a specified amount of money that the insured must pay before an insurance company will pay a claim. | $50 | $50 | $50 | |
| Waiting Periods | 6 months type 2, 12 months type 3 | No | No | |
| Enrollment Fees | No | No | No | |
| Premium per month | $46.48 | $21.91 | $12.50 | |
| PREVENTIVE SERVICES (type 1) | ||||
| Plan Pays | Plan Pays | Plan Pays | ||
| Exams (2/year) | 100% | 100% | $10 copay | |
| Cleanings (2/year) | 100% | 100% | 100% | |
| Bitewing X-rays | 100% | 100% | 100% | |
| Fluoride Treatments (under age 16) | 100% | 100% | 100% | |
| Sealants (under age 16) | 100% | 100% | 100% | |
| BASIC SERVICES (type 2) | ||||
| Plan Pays | Plan Pays | Plan Pays | ||
| Fillings |
80% |
50% | $25-$120 copay | |
| Simple Extractions | 50% | 50% | $40 copay | |
| MAJOR SERVICES (type 3) | ||||
| Plan Pays | Plan Pays | Plan Pays | ||
| Oral Surgery | 50% | 50% | $40 copay | |
| X-Rays (panoramic) | 100% | 100% | 100% | |
| Endodontics | 50% | Not Covered | $240-$400 copay | |
| Periodontics | 50% | Not Covered | $64-$80 copay | |
| Crowns | 50% | Not Covered | $125-$495 copay | |
| Bridges | 50% | Not Covered | $125-$495 copay | |
| Dentures | 50% | Not Covered | $495 copay | |
| ORTHODONTICS | ||||
| Plan Pays | Plan Pays | Plan Pays | ||
| Maximum $2,000 | 50% | Not Covered |
75% |
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| VSP Plan | EyeMed Access Plan | |||
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| Network |  |
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| In-Network Copay | Out-of-Network Allowance | In-Network Copay | Out-of-Network Allowance | |
| Eye Exam | $10 | $45 | $25 | $50 |
| Contact Lens Exam & Fitting | Up to $60 | $105 | $15 | $105 |
| Frames | $0 with $150 allowance | $70 | $0 with $130 allowance | $70 |
| Contacts (in Lieu of frames) | $0 with $150 allowance | $105 | $0 with $130 allowance | $105 |
| Single/Bifocal/Trifocal Lenses | $20 | $30/$50/$65 | $25 | $50/$75/$100 |
| Lenticular Lenses | $20 | $100 | $25 | $0* |
| Monthly Cost | $16.34 | $10.67 | ||
| Standard Lens Enhancements | ||||
| In-Network Copay | Out-of-Network Allowance | In-Network Copay | Out-of-Network Allowance | |
| UV Protection Coating | $16 | Not Available | $15 | Not Available |
| Glass Tints | $34 | Not Available | $15 | Not Available |
| Factory Applied Standard Scratch Resistance Coating | $17 | Not Available | $15 | Not Available |
| Polycarbonate Lenses | $31 | Not Available | $40 | Not Available |
| Anti-Reflective Coating | $41 | Not Available | $45 | Not Available |
| Standard Progressive | $50 for Multifocal | $50 | $65 | $75 |
| Other Add-Ons | Available at a discount | Not Available | Available at a discount | Not Available |
Why do I need dental and vision insurance coverage?
If you are in the market for dental and vision insurance and find yourself asking, "Why do I need it?" consider the advantages to your overall health. Our oral and ocular health can be key indicators in detecting early stages of many health risks and diseases along with preventing many other health issues.
Delta Dental understands that your needs are unique
We're committed to finding you the dental plans that meets your needs. The Delta Dental insurance plans offer affordable coverage with instant free online quotes, coverage for individuals 18+ (including seniors), no online enrollment fees and the Delta Dental network.
| Delta Dental insurance plans Include: | Ameritas VSP vision insurance plans Include: |
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Network Information
Network for greatest savings.
- Over 400,000 access points nationwide
- Over 100,000 unique providers nationwide
- Delta Dental 65+ insureds have a 41% network utilization with a 31% discount average
- 94% provider persistency
Savings Example
| Procedure | 80th U&C | Network Rate† | Day One Cost | Day One Savings | Year Two Cost | Year Two Savings |
|---|---|---|---|---|---|---|
| Cleaning | $108 | $61 | $0 | 100% | $0 | 100% |
| Filling | $139 | $80 | $52 | 62% | $16 | 88% |
| Crown | $1,117 | $748 | $635 | 43% | $374 | 66% |
| Description of benefits shown based on 78415 zip code. Rates vary by location. Benefits based on DPPO dental plan. †MAC/MAB charge. | ||||||
Delta Dental of Texas: 2026 Plans, Rates & Network
Last updated: April 2026 · Reviewed by a licensed Texas health insurance agent
Delta Dental runs the largest dentist network in the United States, and in Texas that means if you name a dentist, there is a roughly 4-in-5 chance they participate with Delta Dental somehow. The word "somehow" is important, because Delta has two Texas networks that look almost identical on paper and produce very different bills at the counter. Picking the wrong one is the most common mistake Texans make with Delta, so that’s where this page starts.
Delta Dental Premier vs. Delta Dental PPO: the one distinction every Texan should understand
Delta contracts with Texas dentists through two separate networks:
- Delta Dental Premier is the larger, legacy network. Premier dentists agreed to a maximum fee, but the fee schedule is fairly generous.
- Delta Dental PPO is the narrower, deeper-discount network. PPO dentists agreed to a lower fee schedule — typically 10–30% less than Premier — which means lower out-of-pocket costs.
The trap: a Texas dentist can be in Premier but not PPO. If you buy a Delta PPO plan and your dentist is only in Premier, the plan treats them as out-of-network. On a $1,200 crown, that’s a $200–$400 swing patients only discover after the fact.
Before enrolling, ask your dentist: "Are you in the Delta Dental PPO network, the Premier network, or both?" If they say "we take Delta," that’s not enough.
Delta Dental of Texas individual plans (2026)
Delta Dental Individual and Family PPO
The everyday workhorse: 100/80/50 coinsurance on preventive/basic/major, $1,000 or $1,500 annual maximum, PPO network. Typical premium in Texas metros: $32–$48/month. Standard waiting periods (0/6/12 months) are waived if you had dental coverage in the 62 days before applying.
Delta Dental Individual Premium
Higher-tier PPO with a $2,000 annual max and stronger major-service coverage. Makes sense for Texans who expect a crown, bridge, or implant in the next 24 months. Typical premium: $48–$62/month.
Delta Dental Individual Basic
Preventive + basic only. Good for cleanings and fillings; no coverage for crowns/bridges. Typical premium: $20–$30/month.
Where Delta Dental wins in Texas
- Snowbirds and dual-state Texans. If you split time between Texas and another state, Delta’s national footprint means your dentists in both states are probably both in-network.
- Big-city metro Texans. Houston, Dallas, Austin, San Antonio, and Fort Worth have deep Delta PPO representation. Network density is competitive with BCBSTX.
- Established Texas practices. Some dental practices have been Delta Premier providers for decades and never joined BCBSTX or Ameritas. If that’s your dentist, Delta is your answer.
Where BCBSTX or Ameritas may be a better pick
- Rural Texas. Outside major metros, BCBSTX has denser small-town dental representation.
- Adult orthodontics. Delta’s individual plans generally don’t cover adult ortho. Ameritas does.
- Waiting period waivers. Delta waives for prior coverage within 62 days; Ameritas is slightly more flexible (up to 63 days).
- Bundled medical + dental. BCBSTX medical members get simpler billing by bundling BCBSTX dental.
What Delta Dental Texas does not cover
- Cosmetic procedures (whitening, veneers, cosmetic bonding).
- Implants on Basic and most Individual plans. The Premium plan covers them with a 12-month wait.
- Adult orthodontics on standard individual plans.
- Teeth missing before coverage began (missing-tooth clause).
- Anything above the annual maximum. If you’re approaching the $1,500 cap in November, consider deferring non-urgent work into January.
Get a Delta Dental Texas quote
Tell us (1) your ZIP, (2) your dentist’s name, (3) whether you want ortho, and (4) whether you’ve had dental insurance in the last 62 days. We’ll run Delta side-by-side with BCBSTX, Ameritas, and Renaissance.
Frequently asked questions
Is Delta Dental good in Texas?
Delta is one of the three strongest dental carriers in the Texas individual market, particularly in metros. The deciding factor is whether your dentist is in the Delta PPO network (best pricing), Delta Premier only (decent pricing), or neither (out-of-network). Always confirm before enrolling.
How much does Delta Dental cost in Texas?
Individual premiums range from about $20/month for a basic preventive plan to $62/month for Individual Premium with a $2,000 annual max. Family rates scale accordingly.
What’s the difference between Delta Dental Premier and PPO in Texas?
Two separate Delta networks. A PPO plan gets the deepest discounts but only at PPO dentists. A Premier-only dentist may be treated as out-of-network on a PPO plan, resulting in higher out-of-pocket cost. Always verify your dentist’s specific network participation.
Does Delta Dental Texas cover orthodontics?
Standard Delta individual plans don’t cover adult orthodontics. Pediatric ortho is sometimes included on family plans. For adult ortho, Ameritas is usually the better Texas pick.
Does Delta Dental have a waiting period in Texas?
Yes: 0 months preventive, 6 months basic, 12 months major. Waived if you were insured by a dental plan within 62 days of your new enrollment date.
Can I apply for Delta Dental in Texas any time of year?
Yes. Texas dental insurance has no annual enrollment window. Most Delta applications are approved same-day with first-of-next-month effective dates.
About Texas Health Agents
Texas Health Agents, a licensed Texas insurance agency (TDI License #1816327). Appointed with Delta Dental and every other major dental carrier writing in Texas. Contact our team for a side-by-side Texas dental comparison.
Apply Online Now
- Savings for using the Delta Dental network
- Still have the freedom to use any dentist you would like
- Instant free online quotes
- No online enrollment fees