Delta Dental offers dental health maintenance organization (DHMO) plans as DeltaCare® USA, fee-for-service plans as Delta Dental Premier®, preferred provider organization (PPO) plans and dental discount plans, states Delta Dental. The plans, for individuals and groups, vary from state to state and differ in network, coverage and monthly premiums.
The dental PPO's extensive network offers patients a balance between choice and low costs. The DHMO plans are pre-paid plans where patients choose one provider and pay co-payment amounts for treatment. On the other hand, with the fee-for-service plan, a patient pays a percentage of the service fee called a coinsurance amount. Lastly, the discount plans require a monthly or annual payment and offer reduced fees for services with participating dentists.