Delta Dental of Kentucky

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Individual Plan FAQs

At Delta Dental, we strive to provide superior customer service. It is important to us to answer every inquiry quickly, professionally, and accurately. For more information or to get a quote, click here or call Customer Service at (800) 466-5182.
When is my effective date?
Applications received by the 10th of the month are effective the first of the following month.
What is the cut off for new applications?
The cutoff for new applications is the 10th of the previous month. For example: If your application is received on or before March 10th, your coverage will begin April 1st. If your application is received on or after March 11th, your coverage will begin May 1st.
What are my payment options?
If you wish to pay monthly, you will need to sign up for automatic bank draft. We do not offer direct monthly billing. If you wish to pay annually, you can pay by check, credit card or money order.
Is cash/check needed with the application?
Not if you are signing up for the monthly bank draft option. We only need a voided check. If signing up for annual payment, we will need a check or credit card.
When is the premium drafted for monthly bank draft?
The premium is drafted from your checking account between the 22nd and 24th of each month.
Can I choose what day my premium is taken out?
We can only draft your checking account between the 22nd and 24th of each month.
Is there an enrollment fee?
There is no enrollment fee.
Is there a monthly fee in addition to the premium?
There are no other charges other than the premium.
Are there waiting periods?*
Preventive, diagnostic and minor services are available upon your effective date. There is a 12 month waiting period on major services and requires 12 months of continuous coverage before these services are available. However, if your Delta Dental group coverage is ending, you may be eligible to have your waiting period waived. Proof of prior coverage is required.

What do I pay for covered services?*
Preventive and diagnostic services are covered at 100% when visiting a network dentist. For minor and major services, your responsibility is 50% of the allowable amount when visiting a network dentist.

Will there be a deductible?*
There is no deductible for preventive and diagnostic Services. The deductible for minor and major services is $50 for an individual and $150 for a family.

What is the annual maximum?*
It is $1,000 per covered person, per year for covered services.

Are veneers or implants covered?*
No, veneers and implants are not covered under these plans.

Are orthodontics/braces covered?*
No, orthodontics/braces are not covered under these plans.

Is there a minimum or maximum age?
Anyone can enroll, regardless of age.
Are full time students covered?
Full-time students are covered until the end of the year in which they turn 24.
Is this plan a contract?
This plan is a 12 month contract.
When can I make changes to my contract?
Your plan is a 12 month contract. You can only make changes to your contract at your renewal.
Are benefits paid on a contract year or calendar year?
Benefits are paid on a contract year.
Once I have submitted my application, what is the next step?
Soon after you have enrolled, you will receive a member packet from Delta Dental that includes your identification card and detailed benefit information.
For answers to more common questions about our benefit plans, visit the Understanding Your Benefits section. 

*The above information provides only a sample of benefits. For complete coverage details, please call Delta Dental Customer Service at (800) 955-2030 or contact:
PlanChoice, Inc.
13257 O’Bannon Station Way
Louisville, KY 40223
(502) 459-2444 or (800) 466-5182
Fax: (502) 459-3388 or (888) 966-3388