Delta Dental of Kentucky

Home / Individuals / Individual Plans / Individual and Family Plans

Individual and Family Plans

Nobody has a smile like yours, and nobody keeps it healthy like us.

Enroll Today!

Why should you buy dental insurance?

Piggy Bank

Save Money

For your budget: early detected cavities, broken fillings, and gum disease are easily treatable. If left untreated, expensive root canals, gum surgery, tooth extractions, and worse may result. Dental insurance makes unexpected work more affordable.

Heart

Take Care of You

For your health: Oral health is directly linked to your overall health. Over 120 diseases can be detected during a routine dental exam by a dental professional. Treat small issues before they become big problems.

Family

Take Care of Your Children

For your family: It is vital to teach children good oral health habits. Children miss 51 school hours each year because of dental-related illness. The earlier children visit the dentist, the more inclined they are to make it a priority in their lives as they age.

Local representatives are available today to answer any questions or help you enroll, please call 502-736-5000 or email customerserviceip@deltadentalky.com.

Why Delta Dental of Kentucky?

  • Kentucky’s Oral Health Expert: We are the oldest and largest dental carrier in Kentucky and have been providing dental insurance to Kentuckians since 1966.
  • Local service with a smile: All of our staff and customer service center are located right here in Kentucky.
  • Networks within your reach: Over 88% of providers in Kentucky participate in our Premier network.
  • Legacy of Loyalty: Over 3,200 businesses in Kentucky offer their employees our insurance and 20% have been with us for 15+ years.
  • Investing in Kentucky: Our foundation has invested more than $9 million dollars back into the communities around you and we are dedicated to improving the oral and overall health of all Kentuckians.

How does Delta Dental save you money?

Nationwide network, local service.

Whether you regularly receive your 2 cleanings or have an unexpected dental emergency, investing in a plan with Delta Dental will always save you money. Visiting a Delta Dental dentist provides network discounts that result in lower out-of-pocket costs.

    With
Delta Dental
Without
Insurance
COMPOSITE FILLING (D2392) May be subject to deductible. Cost of Filling: $176.00 $176.00
Maximum Provider can Charge: $124.00 $176.00+
Benefit Percentage: 80% n/a
Amount Delta Dental Pays: $99.00 $0.00
AMOUNT YOU PAY: $25.00 $176.00+
 
CROWN (D2740) May be subject to deductible. Cost of Crown: $952.00 $952.00
Maximum Provider can Charge: $660.00 $952.00+
Benefit Percentage: 50% n/a
Amount Delta Dental Pays: $330.00 $0.00
AMOUNT YOU PAY: $330.00 $952.00+

Delta Dental offers two networks. Both save you money:

PPO Network: 64% of Kentucky dentists participate in this network. These dentists offer the lowest fees and belong to Kentucky's largest PPO network.

Premier Network: 88% of Kentucky dentists participate in this network. These dentists offer reduced fees, just not as low as PPO fees.

Local Service

Customer Service Representative

Kentucky dentists are credentialed by our local representatives and familiar with our local customer service teams.

No Balance Billing

Balance Billing

Delta Dental PPO & Premier dentists agree to a maximum allowable fee. If their fee is more than this, they cannot pass the remaining balance to you.

Claims Processing

Claims Processing

Dentists file claims on your behalf. Payments go directly to the dentist so there is no extra work for you or your family!

About Our Plans

  Happy Smiles
Delta Dental PPO Plan
Perfect Smiles
Delta Dental PPO Plus
Premier Plan
Bright Smiles
Delta Dental PPO Plan
Year 1 In-Network Benefits
Diagnostic & Preventive 100% 100% 100%
Minor Services 10% 10% 50%
Major Services n/a 10% 25%
Deductible* $50 individual /$150 family $50 individual /$150 family $50 individual /$150 family
Annual Maximum $500/year per person covered $750/year per person covered $500/year per person covered
Orthodontics n/a n/a n/a
Year 2 In-Network Benefits      
Diagnostic & Preventive 100% 100% 100%
Minor Services 30% 30% 80%
Major Services n/a 30% 50%
Deductible* $50 individual /$150 family $50 individual /$150 family $50 individual /$150 family
Annual Maximum $750/year per person covered $1000/year per person covered $1000/year per person covered
Orthodontics n/a n/a 50% / $1,000 Lifetime Max
Year 3 In-Network Benefits      
Diagnostic & Preventive 100% 100% 100%
Minor Services 50% 50% 80%
Major Services n/a 50% 50%
Deductible* $50 individual /$150 family $50 individual /$150 family $50 individual /$150 family
Annual Maximum $1000/year per person covered $1250/year per person covered $1250/year per person covered
Orthodontics n/a n/a 50% / $1,000 Lifetime Max
  Monthly Rates for effective dates through 12/2018
Happy Smiles
Subscriber only: $17.69
Subscriber plus one: $32.12
Family: $48.74
Perfect Smiles
Subscriber only: $27.15
Subscriber plus one: $50.60
Family: $79.10
Bright Smiles
Subscriber only: $33.64
Subscriber plus one: $63.71
Family: $109.03

Percents listed are what Delta Dental contributes to the cost of procedure when you see an in-network dentist.
*Deductible is paid once per year for Minor and Major Services, Diagnostic & Preventive do not require deductible payment.
Annual Maximums reset each plan year.

 

How do I pick the right dental plan?

  • Examine your oral health and dental needs:
    Is your mouth generally healthy, or are you overdue for a check-up or dental work?
  • Assess your budget.
    Do you have savings or a financial plan for unexpected dental work?
  • Choose an in-network dentist if possible.
    Dentists in the PPO network will save you the most money.
  • Review your current dental plan.
    If you have had dental coverage for the previous 12 months with any carrier, you can graduate to Year 3 services by providing your proof of insurance to us.

Local representatives are available today to answer any questions or help you enroll, please call 502-736-5000 or email customerserviceip@deltadentalky.com.

Helpful Tips

Happy Smiles - choose this plan if you are interested in basic services such as cleanings & whitening services

Perfect Smiles - choose this plan if your dentist only participates in the Premier network

Bright Smiles - choose this plan if you are interested in more comprehensive services such as whitening, veneers, or braces

Highlighted Features

Bright Smiles offers braces coverage, available for any age

Happy & Bright Smiles offer Whitening Services - a rarely covered service

NO waiting periods on any plans

NO enrollment fee

Start in Year 3 Services if you have had dental coverage for the last 12 months