Dental Benefits

• You are likely to save the most on dental expenses if you choose a dentist who participates in the Delta Dental PPO Network.
• Premier Network dentists may save you more over out-of-network dentists, but your cost savings may be lower than what you would receive from a PPO Network dentist.
• Out-of-Network dentists will typically have the highest out-of-pocket costs.

Amounts shown are for illustration only.

Find a dentist and review your claims and coverage details all from the Delta Dental mobile app. Plus, take advantage of helpful features like:

• Compare costs between providers instantly with the Dental Care Estimator tool.
• Never forget your Delta Dental ID card—your up-to-date card is always accessible on the app—or call 1-800-323-1743 to order a replacement card.

With the ToGo℠ Annual Maximum Carryover Feature, you can take it with you… 

The ToGo feature from Delta Dental of Illinois allows you to take unused annual maximums “to go” from one year to the next.

In traditional PPO plans, the annual maximum is a “use it or lose it” benefit. The ToGo feature gives you the ability to carryover any qualified unused portion of your annual maximum the subsequent year(s). ToGo provides more flexibility to help you prepare for more extensive and costly dental treatment.

For example, if an enrollee had preventive services this year that totaled to $500 applied to his $1,750 annual maximum, he could carryover $1,250 to next year. This means the enrollee would have the $1,250 ToGo carryover plus the $1,750 annual maximum available next year, offering flexibility to plan for more costly dental procedures.

Enrollees may carry over any qualified portion of their annual maximum benefit, subject to the following guidelines:

• The enrollee must have been covered under the plan for the full benefit plan year.
• The enrollee must have submitted at least one claim during the benefit plan year that would apply to his/her annual maximum with allowed dollar amounts that are greater than zero dollars. In other words, the enrollee must have had a dental service that applies to the annual maximum (preventive/diagnostic, basic or major) during the year in order to carryover any unused annual maximum.
• The carryover amount may not exceed the amount of the annual maximum. Discount Tire’s annual maximum is $1,750, so the total amount of ToGo dollars available cannot exceed $1,750.
• Enrollees cannot take unused annual maximums with them upon termination of employment or the dental plan, or apply the unused annual maximum to another dental plan.

Example:

When a proposed treatment plan is estimated to cost more than $200, ask your dentist to submit the plan to Delta Dental for predetermination. Delta Dental will review the proposed treatment and determine what portion of the treatment will be covered under your dental plan and what portion will be your financial responsibility (out-of-pocket costs). A predetermination notice will be sent to you and your dentist. We encourage you to review this notice together and discuss options before deciding on a final treatment.

• Summary of Benefts (PDF)
• Delta Dental's Grin Magazine