The Delta Dental Premier plan allows policyholders the flexibility to visit both in-network and out-of-network dentists. Using an in-network dentist provides extra cost-saving benefits compared to using an out-of-network dentist, as the Delta Dental website explains. The website also provides a directory of New York dentists in the Premier network.
Policyholders of the Delta Dental Premier plan can save money by using in-network dentists because these dentists agree to accept a fixed payment amount as determined by the insurance company. In-network dentists agree not to charge the patient anything beyond this amount, accepting the insurance amount as the full payment and thus protecting patients from being billed an additional balance. According to Delta Dental, Premier members who visit in-network dentists on average incur lower out-of-pocket fees compared to members of other non-network-based plans. Additionally, this plan can be economical for employers to offer because the contracted amounts accepted by member dentists are often lower than those commonly charged by other dentists in the same area.
Another feature of the Premier plan that benefits policyholders stems from the manner in which in-network providers process claims. In these cases, the dental office manages all the paperwork and most issues regarding the insurance claims. Additionally, Delta Dental states that its network of dentists includes more than 80 percent of dentists in practice, which provides patients with many options when choosing a provider.