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Delta Dental Plan & Rate Updates Effective January 2021

Delta Dental announced plan and rate updates for January 1, 2021 effective dates, rates are available for quoting.


Portfolio Updates

Delta Dental is updating their plan offerings to bring an easy-to-understand and easy-to-sell portfolio of small business plans for 2021 effective dates. This new portfolio will include plans in three different levels:

  • Deluxe: the maximum level of coverage with the lowest out-of-pocket costs
  • Advantage: Delta Dental's most popular plan designs with additional choice and flexibility
  • Core: Delta Dental quality at an affordable cost


This new portfolio also allows employers to offer a dual choice option.

  • Dual Choice 1Choose any one PPO plan and any one DeltaCare USA plan.
  • Dual Choice 2: Offer two same-priced plans with differing coverage, so employees can decide what works best for them: a PPO plan with higher coverage (100/100/60)  or a PPO Plus Premier plan (100/80/50) with greater dentist choice.
  • Dual Choice 3: Offer both a high (PPO Plus Premier 100/90/60) and a low (PPO Plus Premier 100/80/50) PPO plan with different prices and coverage amounts, so employees can decide what works best for them: more coverage at a higher price or less coverage for a lower price.
  • Core/Buy-up: Offer a way to control costs with a set contribution (Core 100/50/50), while still giving employees the option to purchase more coverage (Buy-up 100/80/60).


Plan Updates

Delta Dental has also enhanced their PPO plans, 2021 plan will offer:

  • Higher annual maximums up to $3,000
  • Expanded access to orthodontics
  • White resin fillings on all teeth
  • Expanded voluntary plan choices
  • Expanded plan choices for groups of 2-4
  • SmileWay® Wellness Benefits available for all enrollees with qualifying conditions


Delta Dental is adding a new lower cost DeltaCare USA plan, 17B, to their offering.


Underwriting Updates

Delta Dental has updated their underwriting guidelines for 2021 as follows:

  • Expanded contribution options are available.
  • Changes to PPO-eligible enrollee contribution and participation:
    • 100% employer contribution, 100% eligible enrollee participation
    • 75%-99.9% employer contribution, 75% eligible enrollee participation
    • 50%-74.9% employer contribution, 50% eligible enrollee participation
  • Employers contributing between 50% and 74.9% can now choose from Delta Dental's employer-paid plans.
  • In place of a state wage report, an employer can provide a complete census of eligible employees.


Book Rates

Delta Dental’s January 2021 book rates will be added to the B&P website as soon as they become available.


For questions or help with a 2021 Delta Dental quote, please contact a member of your B&P Sales Team – 888.722.3373.