Which dental plan is right for you?

Proper dental care plays an important role in your overall health. That’s why UC provides dental coverage for you and your family, including routine preventive care and fillings, oral surgery, dentures, bridges and braces. You have a choice of two plans, a PPO and an HMO.

Check out the quick reference guide below for 2024 highlights or download a PDF version of the comparison guide PDF.

Note: The charts below show what the plan pays for care. UC pays 100% of the monthly dental plan premium for employees and for retirees eligible for the full UC contribution.

This is a summary only. Important details — such as limitations, exclusions, exceptions, and other qualifiers — may not be included. For detailed information, call the plan or see their website for specific benefits, benefits when traveling overseas, provider information, and plan booklets. If any information on the website conflicts with plan documents, plan documents prevail.

Annual costs and service area

Plan	Calendar year deductible	Total benefit (preventive, basic, major and prosthetic)	Service area and provider network
Delta Dental PPO Plan	$50 combined for basic and major dentistry, TMJ disorder benefits and prosthetic dentistry; does not apply to preventive dentistry or orthodontics	$1,700 if a Delta Dental PPO dentist is used; otherwise $1,500 per person per calendar year	Nationwide — Delta Dental PPO, Delta Dental Premier and non-Delta dentists (licensed); Worldwide — Coverage available only from non-Delta dentists (licensed)
DeltaCare USA HMO Plan	No deductible	No maximum	California DeltaCare USA network providers only; coverage of up to $100 in 12-month period for pain relief when you are more than 25 miles from your dentist’s office

Preventive dentistry

Plan	Cleaning — prophylaxis	Oral exam	Emergency office visit for pain relief	Topical fluoride	X-rays
Delta Dental PPO Plan	You are covered at 100% (up to 2 times in a calendar year; additional cleanings by report)	100% (limited to 2 per calendar year — routine, non-routine or a combination of both; additional routine exam is covered for members with identified risk factors)	100%	100% (includes cleaning; up to 2 times in a calendar year)	100% (full mouth x-rays limited to 1 set in 5 years unless necessary)
DeltaCare USA HMO Plan	100% up to 2 times in any 12-month period; additional cleanings when necessary: $45 copayment for adults, $35 copayment for children	100%	100%	100% (up to 2 times in any 12-month period through age 18)	100% (full mouth x-rays limited to 1 set in any 12-month period)

Basic dentistry

Plan	Fillings	Anesthesia¹	Extractions and oral surgery	Endodontics	Periodontics
Delta Dental PPO Plan	80% PPO/75% Premier	80% PPO/75% Premier (general anesthesia for covered oral surgery)	80% PPO/75% Premier	80% PPO/75% Premier	80% PPO/75% Premier
DeltaCare USA HMO Plan	100% for standard benefit	Local — 100%. General and intravenous sedation — 100%; limited to medically necessary extractions	Extractions: 100% if uncomplicated (not covered if done only for orthodontics) Oral surgery: $15 copayment for impactions; other covered services at 100%	$20–$60 copayment for each canal; other covered services at 100%	$100 copayment per quadrant for surgery (mucogingival and osseous gingival); $150 copayment for soft tissue graft procedures; periodontal maintenance: 100% for 1 in each 6-month period; additional maintenance when necessary: $55 copayment

Plan

Fillings

Anesthesia¹

Extractions and oral surgery

Endodontics

Periodontics

Delta Dental PPO Plan

80% PPO/75% Premier

80% PPO/75% Premier (general anesthesia for covered oral surgery)

80% PPO/75% Premier

DeltaCare USA HMO Plan

100% for standard benefit

Local — 100%. General and intravenous sedation — 100%; limited to medically necessary extractions

Extractions: 100% if uncomplicated (not covered if done only for orthodontics)

Oral surgery: $15 copayment for impactions; other covered services at 100%

$20–$60 copayment for each canal; other covered services at 100%

$100 copayment per quadrant for surgery (mucogingival and osseous gingival); $150 copayment for soft tissue graft procedures; periodontal maintenance: 100% for 1 in each 6-month period; additional maintenance when necessary: $55 copayment

Major dentistry and TMJ disorder benefits

Plan	Crowns	Inlays/onlays	Temporomandibular joint (TMJ) dysfunction: occlusal devices/occlusal guards (night guards)
Delta Dental PPO Plan	50%	50%	50% up to $500 for all benefits in a lifetime (not applied to calendar year maximum). Deductible applies.
DeltaCare USA HMO Plan	$50 per unit copayment ($150 extra charge for precious metals)	100% for standard benefit	100%

Prosthetic dentistry

Plan	Standard, full or partial dentures	Bridges	Implants
Delta Dental PPO Plan	50%	50%	50%
DeltaCare USA HMO Plan	Upper — $65 copayment per denture Lower — $65 copayment per denture (extra charge for precious metals) Removable partial denture with flexible base — $115	$50 per unit copayment (extra charge for precious metals)	Not covered

Orthodontics

Plan	Who is eligible for service	Benefit
Delta Dental PPO Plan	All covered family members	50% copayment; maximum of $1,500 for each eligible patient under age 26 and $500 for each eligible patient age 26 and older
DeltaCare USA HMO Plan	All covered family members	$1,000 copayment (plan covers 36 months of usual and customary treatment — a monthly office visit fee of $75 applies after the 36 months)

Which dental plan is right for you?

Footnotes