Delta Dental Insurance – Clute, TX
Learn More About the Benefits of Delta Dental
If you receive dental insurance benefits through Delta Dental, then congratulations! Our office is an in-network provider and can help you receive the fullest extent of coverage made available by your plan. We can also review your policy to make sure you save as much money as possible when visiting our office. Give us a call ahead of your appointment, and our friendly team will let you know how much coverage to expect for your treatment!
Delta Dental Coverage Availability & Fees
Like most dental insurance providers, Delta Dental follows the 100/80/50 rule. Each individual policy has different terms, but generally speaking, biannual checkups and cleanings receive 100% coverage, minor restorative care receives 80%, and major restorative care receives 50%.
The terms of your specific policy will also dictate your coverage availability. Checkups and cleanings are usually exempt from deductibles and waiting periods, but your other benefits will likely hinge on them, so here’s a brief description of useful keywords to know:
- Deductible – An amount of money you’ll have to spend out of pocket in order to start receiving coverage. If you have a deductible of $2,500, you’ll have to pay $2,500 before your coverage for major and minor restorations will “kick in.”
- Waiting period – It takes some processing time to “activate” a dental insurance plan. If you have a waiting period of one week, your coverage will officially start one week after you enroll.
- Coinsurance – The percentage your insurance provider will cover for a given treatment. If you have a coinsurance of 80/20 for tooth-colored fillings, Delta Dental will pay 80% of your costs, and you’ll only be responsible for the remaining 20%.
Delta Dental Employers in Clute
Maybe it’s been several years since you started your job and hopped on the company dental insurance plan, or maybe you’ve been employed for a week and lost the information under a pile of new-hire paperwork. Either way, it can be difficult to keep track of who provides your dental insurance benefits when you’re enrolled in a company plan! We know that Dow Chemical and BASF are two employers in Clute that offer Delta Dental insurance to their employees. If you work for either of these companies and didn’t sign to opt-out of their plan, you’re likely receiving benefits through Delta Dental.