Delta Dental Insurance Louisiana Guide to Enrollment and Coverage

Enrolling in Delta Dental Insurance in Louisiana is a straightforward process that can be completed online, over the phone, or through an authorized agent. You can also enroll during the annual open enrollment period or during a special enrollment period if you experience a qualifying life event.

Delta Dental Insurance offers various coverage options, including individual and family plans, as well as group plans for employers. You can choose from a range of dental plans that cater to different needs and budgets.

To enroll in Delta Dental Insurance, you'll need to provide some basic information, such as your name, address, and social security number. You may also be required to answer some health questions to determine your eligibility for coverage.

Delta Dental Insurance has a network of over 90,000 dentists across Louisiana, making it easy to find a participating dentist near you.

A unique perspective: Small Business Health Insurance Louisiana

Delta Dental is a well-established company with over 70 years of experience providing dental insurance to millions of people across the US, including Louisiana.

They have a network of over 140,000 dentists and specialists, ensuring that you have access to quality care whenever you need it.

Delta Dental's network is so extensive that they cover over 94% of dentists in Louisiana, making it easy to find a provider near you.

They also offer a range of plans to fit your needs and budget, including individual, family, and group plans.

Delta Dental's individual plans can be purchased online or through a licensed insurance agent, making it convenient to get the coverage you need.

Their customer service team is available to answer your questions and help with any issues you may have, with extended hours on weekdays and online chat support available 24/7.

Explore further: Do I Need Dental Insurance to See Dentist

Delta Dental is the largest dental insurance provider in the United States, with over 80 million people enrolled across their plans.

Delta Dental has a massive network of dentists, with 128,000 dentists and over 198,000 office locations accepting one or more of their plans. This is a significant advantage for consumers, as it increases the chances of finding a dentist who accepts their coverage.

The company's scale and stability have contributed to its enormous market growth over the years. By 2008, total premium revenue was around $15 billion.

Delta Dental's parent company, Delta Dental Plans Association, is a not-for-profit organization that has been around since 1966. It was originally formed in Washington State in 1954.

Here's a breakdown of the number of dentists and locations in Delta Dental's networks:

Delta Dental's commitment to philanthropy is also noteworthy, with member companies contributing $79 million in 2018 to community programs expanding access to oral care for underserved populations.

Delta Dental insurance in Louisiana offers a range of insurance options to suit different needs and budgets.

Delta Dental has a large network of dentists, with over 128,000 dentists and 198,000 office locations accepting one or more Delta Dental plans.

You can choose from various plan options, including Dental for Everyone Gold PPO, Dental for Everyone Platinum PPO, and Dental for Everyone Immediate Coverage, each with its own unique features and benefits.

Suggestion: Is Delta Dental Ppo Good Insurance

Here are some key features of these plans:

Delta Dental also offers stand-alone individual/family dental coverage through the Louisiana marketplace, with seven insurers offering plans in 2025, including Delta Dental, Blue Cross and Blue Shield of Louisiana, and Guardian.

If this caught your attention, see: Florida Blue Dental Insurance Plans

Delta Dental offers a range of insurance plans that cater to different needs and budgets. Their most popular plan, Dental for Everyone Gold PPO, has a large network of dentists and instant coverage for preventive and basic services without any waiting periods.

One of the key benefits of Delta Dental's plans is their extensive network of dentists. According to the company, 128,000 dentists and over 198,000 office locations accept one or more Delta Dental plans. This makes it easier to find a dentist in your area who accepts your coverage.

Delta Dental's plans also vary in terms of their coverage options and out-of-pocket costs. For example, the Dental for Everyone Gold PPO plan has a $50 deductible per insured person per calendar year and a $1,000 annual maximum benefit. This means that you'll need to pay $50 out of pocket before your insurance kicks in, and your insurance will cover up to $1,000 in dental expenses per year.

If this caught your attention, see: How Does Out of Network Dental Insurance Work

Here are some key features of Delta Dental's plans:

Delta Dental's plans also offer different types of coverage, including PPO (Preferred Provider Organization) and HMO (Dental Health Maintenance Organization) plans. A PPO plan typically offers more choice and flexibility, but may be more expensive. An HMO plan, on the other hand, may be more cost-effective, but requires you to use dentists within the plan's network.

If you're looking for a more affordable option, you may want to consider enrolling in a stand-alone dental plan through the Louisiana marketplace. In 2025, seven insurers offer stand-alone individual/family dental coverage through the health insurance marketplace in Louisiana, including Delta Dental, BEST Life, and Blue Cross and Blue Shield of Louisiana.

Check this out: Commercial Auto Insurance Louisiana

Large group dental plans can be customized, giving employers the flexibility to choose the benefits that best suit their employees' needs.

Dental plan benefits are not standardized, so plans decide on what benefits to include at their own discretion. The employer offering the plan determines the benefits, which can be a preexisting plan design or a customized design worked out with an insurance company.

Companies can choose to self-fund their dental benefits, taking on the responsibility for paying covered claims in exchange for not having to pay premiums to a third-party insurance company.

Discover more: Benefits of Dental Insurance

Louisiana Medicaid and CHIP provide dental coverage to eligible individuals. Eligible adults can receive some dental services, such as diagnostic exams and dentures.

Children in Louisiana can receive even more comprehensive dental benefits, including a wide array of preventive and therapeutic services.

LaCHIP, Louisiana's CHIP, covers uninsured children and pregnant women with income above the eligibility limits for Medicaid. This means they can receive essential dental care.

You might enjoy: Louisiana Insurance Adjuster License Study Guide

To enroll in employer dental coverage, you need to contact your Human Resources representative or check your employee benefit handbook to see if your company offers a group dental plan. You can also use the provided website to compare the value of your company dental plan to stand-alone dental plans.

The amount of premium you are responsible for is determined by your employment status, the specific dental plan you choose, and the coverage level you choose. The coverage levels include Employee Only, Employee & Spouse/Domestic Partner, Employee + Child(ren), and Employee + Family.

Intriguing read: How Does Employee Dental Insurance Work

Here are the 2025 premium costs for Delta Dental Preventative Only:

Note that the costs for 2024 and 2025 are similar, with the main difference being the city pays and full-time employees pay amounts.

To get dental insurance coverage through your employer, you'll need to check if your company offers a group dental plan. Your Human Resources representative or the employee benefit handbook can provide more information on this.

Your company's dental plan is usually only available during the annual enrollment period, which typically takes place in the fall. This is when you can enroll in a company plan and have coverage start on January 1st of the following year.

If your company offers dental benefits, you'll need to consider the employee premium, the services covered, and the out-of-pocket costs for those services. You can compare your company's plan to stand-alone dental plans purchased privately by visiting a specific website.

On a similar theme: What Insurances Do I Need

To determine your premium costs, your employment status, the specific dental plan you choose, and the coverage level you select are all taken into account. Here's a breakdown of the coverage levels you can choose from:

Keep in mind that domestic partnerships may result in different taxable income treatment of the employee.

What factors determine the amount of premium you're responsible for? Your employment status, the specific dental plan you choose, and the coverage level you choose.

Do different coverage levels affect the cost of dental insurance? Yes, the coverage levels are: Employee Only, Employee & Spouse/Domestic Partner, Employee + Child(ren), and Employee + Family.

What is the average cost of dental insurance in Louisiana? The average cost of dental insurance in Louisiana is $28 per month or about $337 per year.

How much do full-time employees pay for dental insurance in Louisiana? The cost of dental insurance for full-time employees varies depending on the coverage level and plan chosen. For example, for the Delta Dental Preventative Only plan, a full-time employee pays $2.50 for Employee Only coverage.

Recommended read: Cost of Full Mouth Dental Implants with Insurance

Here are some examples of the total cost of coverage biweekly for different coverage levels and plans:

What is the difference between dental insurance and dental discount plans? Dental discount plans are not insurance, but can offer discounted rates at participating dentists.

Dental insurance plans in Louisiana often have a low annual maximum, which means you're responsible for costs over that amount. For example, if your plan has a yearly cap of less than $1,500, you'll be charged for all expenses over that amount.

Reaching your maximum can be easy, especially if you need a crown or root canal surgery. These procedures can quickly add up to thousands of dollars.

There may also be waiting periods for specific treatments, depending on the plan you choose. This means you might not be able to get the care you need right away, even if you need it urgently.

Your Premium Costs can vary greatly depending on your employment status, the specific dental plan you choose, and the coverage level you select.

If you're a full-time employee, the premium costs will be different from those of a half-time employee. For instance, under the Delta Dental Preventative Only plan, a full-time employee pays $2.50 biweekly for Employee Only coverage, while a half-time employee pays nothing.

The specific dental plan you choose also impacts your premium costs. The DeltaCare USA DHMO plan, for example, costs $7.97 biweekly for Employee Only coverage, while the Delta Dental PPO plan costs $21.46 biweekly for the same coverage level.

The coverage level you choose will also affect your premium costs. Employee Only coverage is the most affordable option, with biweekly costs ranging from $3.71 to $25.25, depending on the plan. Employee & Spouse/DP coverage costs more, with biweekly costs ranging from $6.80 to $47.35.

Here is a breakdown of the biweekly premium costs for each coverage level under the Delta Dental Preventative Only plan:

Similarly, the biweekly premium costs for each coverage level under the DeltaCare USA DHMO plan are:

Keep in mind that these costs are subject to change and may vary depending on your specific situation. It's always a good idea to review your coverage options and costs carefully to ensure you're making the best choice for your needs.