Good dental health is important to your overall well-being. At the same time, we all need different levels of dental treatment. It is for this reason that Stevens offers two dental plans through Delta. These plans offer a wide range of dental benefits, from routine preventive and basic care to major services and orthodontia. The PPO dental plan allows you to use any dental provider, however, you will receive greater benefits (less out-of-pocket costs) when a participating dentist performs covered dental services. The DMO plan requires that you visit participating DMO providers in order to be covered. Dental benefits are provided to eligible dependents up to age 26.
PPO PLAN
In the PPO plan, you have the choice to use a dental provider outside the network but your out-of-pocket cost will be less if you use a preferred provider in Delta Dental’s PPO or Premier networks. Delta Dental PPO providers offer deeper discounts than Delta Dental Premier providers. Claim forms are not required when utilizing in-network providers. Network participating providers accept negotiated rates which reduce your claim costs and out of pocket expenses. If you choose a non-network dentist, the plan will reimburse you a percentage of the allowable charge.
DMO PLAN
You are required, as a DMO member, to select a Primary Care Dentist (PCD) from participating dentists in the DMO network. You must use your selected PCD for all dental services or obtain a referral from your PCD to obtain services from a specialist. The amount you pay for services rendered is based on the plan’s benefit fee schedule. Orthodontia coverage is offered for adults and children according to the plan’s fee schedule. Please contact Delta Dental for more information.
DENTAL HIGHLIGHTS | PPO PLAN | PPO PLAN | DMO PLAN |
| In-Network PPO & PPO Premier | Out-of-Network | In-Network |
Annual Deductible Individual/Family | PPO: $25 / $75 PPO Premier: $50 / $150 | $50 / $150 | No Deductible or Office Visit Copay |
Annual Maximum Benefit (Excludes Preventive and Diagnostic Services) | $2,000 | $2,000 | No Annual Maximum |
Preventive Services | 100%, no deductible | 100%, no deductible | No Charge |
Basic Services Fillings, Endodontic Treatment and Periodontic Treatment | 80% | 80% | Copays apply (refer to the DMO Benefits Summary for applicable copays) |
Major Services Crowns and Dentures | 50% | 50% | Copays apply (refer to the DMO Benefits Summary for applicable copays) |
Orthodontia (Child & Adult) | 50%, $2,000 Lifetime Maximum | 50%, $2,000 Lifetime Maximum | $2,300 Treatment copay |
Finding a Provider
To find a participating provider near you, please contact Delta through one of the methods below.
Contact information
PPO Plan: deltadentalnj.com | 800-452-9310
DHMO Plan: deltadentalins.com | 800-422-4234