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Delta Dental Plans

Frequently Asked Questions

Please call our Customer Service representatives at 800-872-0500 for further questions.


What plan options are available to individuals?

There are currently two plan designs available to individuals and their families; both give you access to the Delta Dental Premier network, one of the largest dentist network in the state, and in the country. Both plans have a $1,000 calendar year maximum. View the Summary Plan Description for details on the types of services covered. 

Who can enroll in one of Delta Dental's individual plans?

Any Massachusetts resident can enroll in one of Delta Dental's Individual plans.

Enrolling is easy. Download an enrollment form. Complete it, print it, and mail it to P.O. Box 981400, Boston, MA 02298-1400.  If you have questions, contact Member Services at 1-800-872-0500.

Which dentists accept these plans?

Any dentist participating in the Delta Dental Premier network will accept this plan. In Massachusetts, 96% of dentists belong to the Delta Dental Premier network. This network is the largest in the country as well, with three out of four dentists participating nationally. To find a dentist, click here.

Can I receive care from a dentist that doesn’t participate in the Delta Dental Premier network?

Yes. This plan provides coverage for care received from non-participating dentists, but it will be at a reduced level. The amount that Delta Dental will pay will be based on the maximum fee allowance for the geographic area in which the dentist practices, or the dentist’s submitted fee, whichever is lowest. You will be responsible for paying the difference between the dentist’s submitted fee and the amount paid by Delta Dental.

Who do I call if I have any questions about my plan?

For questions about the processing of your enrollment, receipt of your premium, services covered, or a claim, please call our customer service team at 800-872-0500.

How long will my rate be in effect?

After you enroll, your rate will be guaranteed for 12 months.

How often will I need to pay my premium?

Premiums are due on the first day of each month. Example: premium for the month of May is due May 1st.

What are my payment options for paying my monthly premium?

Monthly premiums can be paid by check or you may elect to have your premiums automatically withdrawn from either a checking or savings account. If you choose to pay by check you will receive payment coupons with your ID card in order to facilitate the processing of your payments. Please note: You will not receive a monthly bill. If you are paying by check, you’ll need to remember to send in your payment and payment coupon each month in order to maintain your coverage.

What do I do if I want to change my payment method?

You can change your payment method anytime by calling the billing number on your ID card.

When will my coverage begin?

Applications postmarked by the 20th of the month will become effective the 1st of the following month. Example: An application postmarked June 20 will have an effective date of July 1. An application postmarked June 21 will have an effective date of August 1.

Can I choose my effective date?

No, members are not able to choose their effective date. Effective dates will be based on when your application is postmarked. Please see "When will my coverage begin?"

Up to what age will dependents on my family plan be covered?

Dependent children are covered up to age 26 or two years past their loss of dependent status under the internal revenue code, whichever occurs first.

Will I be subject to any waiting periods?

There is a 6-month waiting period on Type II services and a 12-month waiting period on Type III services. The waiting period may be waived for former Delta Dental of Massachusetts members under limited circumstances. In order for the waiting period to be waived, your coverage on a comparable Delta Dental of Massachusetts plan would need to have terminated for no more than 60 days prior to the effective date of your Premier Individual Plan. A comparable plan must include substantially similar coverage. Members with an in-force dental plan will be subject to the waiting periods under this policy.

Can a subscriber cancel their dental insurance at any time?

If a subscriber would like to cancel their dental insurance they must provide a written letter of intent to cancel to Crosby Benefits 30 days before they wish to cancel. Crosby will term the subscriber on the first day of the month following the receipt of the intent to cancel letter. If a subscriber terminates their coverage they will not be eligible to re-enroll in an indivicual dental plan during the following 12 months, and will be subject to wait periods again.

Note: No benefits are available for the replacement of teeth missing prior to the member’s effective date of coverage.



The information provided in this website is a summary and is intended for illustration purposes only. Please see your subscriber certification or other contract with Delta Dental of Massachusetts for complete details of your rights and obligations.  Should any discrepancy arise, any such contract supersedes this illustration.