Your plan options
You have two dental options through Delta Dental of Tennessee to choose from:
- Basic PPO Plan
- Buy-Up PPO Plan
Both plans cover twice a year for a $0 . The Basic PPO Plan has a lower paycheck cost, but a higher , lower calendar year maximum and no orthodontia coverage. The Buy-Up PPO Plan has a higher paycheck cost, but a lower deductible, higher calendar year maximum and includes orthodontia coverage.
How it works
- 1
Before you get care
- Choose an dentist in the Delta Dental of Tennessee network. You can use an out-of-network , but you typically will pay more out of pocket.
- 2
When you get care
What you pay for services is based on your plan choice.
- care is covered at no cost.
- For other services, you need to meet a deductible and then share the cost with the plan.
- If you need dental work, consider asking your dentist for a pre-treatment estimate to help you understand what the plan may pay and what you may owe before treatment begins.
- 3
If you need orthodontia
Only the Buy-Up PPO covers orthodontic expenses for adults and children at 50%, up to the lifetime maximum.
- 4
Know your annual maximum
Your dental plan has a maximum amount it will pay for covered services each calendar year:
- Basic PPO: $1,000 per person
- Buy-up PPO: $2,000 per person
Once you reach the maximum, you’re responsible for additional covered dental expenses for the rest of the year.
What you pay for in-network care
| Feature | Basic PPO Plan | Buy-Up PPO Plan |
|---|---|---|
| Routine Cleanings | No cost | No cost |
| Deductible | $100 | $50 |
| 15% after deductible | 15% after deductible | |
| 50% after deductible | 50% after deductible | |
| Orthodontia | N/A | 50% coinsurance* $2,000 lifetime maximum |
* The deductible does not apply to orthodontia.
Using your dental benefits
Get more from your dental coverage with these tools and resources from Delta Dental.
Stay on top of your health
Regular dental care does more than protect your smile. Routine exams can help prevent dental problems and may identify signs of other health conditions early, such as cancer, diabetes, heart disease and kidney disease. Preventive care is also covered without a deductible, making it easier to stay on top of your oral health.
Find an in-network dentist
You’ll save when you use a dentist in the Delta Dental network. Both Delta Dental PPO and Delta Dental Premier providers offer reduced fees, with PPO providers offering the greatest savings.
Use Delta Dental’s online search or mobile app to find an in-network dentist near you.
Know your cost before you get care
Planning a more expensive dental procedure? Ask your dentist to request a pre-treatment estimate from Delta Dental before your care begins. You’ll get an estimate of what your plan may cover and what you may pay.
A pre-treatment estimate can be especially helpful if you:
- Are considering extensive dental work
- Want to understand your coverage or plan limits
- Want an estimate of your out-of-pocket cost
There’s no cost to request an estimate, and it typically takes 10–14 business days to process.
