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The Delta Dental Plans Association, also known as simply Delta Dental, is an American network of dental insurance companies composed of 39 independent Delta Dental members operating in all 50 states, the District of Columbia and Puerto Rico. These member companies provide coverage to 85 million people, enrolled in over 157,000 groups.
With indemnity dental plans, the insurance company generally pays the dentist a percentage of the cost of services. Restrictions may include the co-payment requirements, waiting period, stated deductible, annual limitations, graduated percentage scales based on the type of procedure, and the length of time that the policy has been owned.
On 17 March 2010, WellPoint announced it was reclassifying some of its administrative costs as medical care costs in order to meet loss ratio requirements under the Patient Protection and Affordable Care Act, which requires insurers to spend at least 80% or 85% of customer premiums on health care services, depending on the type of plan.
Jim Harrell, Jr. – past chairman of the American Dental Association Council on Governmental Affairs, and a Democratic Party (United States) politician; Chapin A. Harris – co-founded the first dental school in the US, and possibly anywhere; Gillette Hayden - served as the first female president of the American Academy of Periodontology
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The National Institute of Dental and Craniofacial Research carried out further research into dental care for minorities and found that black and Hispanic families in lower-income areas had much higher incidences of tooth decay. [11] Similar research shows that poor dental hygiene directly affects educational abilities and school attendance. [12]
The California Dental Association (CDA) is a nonprofit, professional organization representing organized dentistry in California. Founded in 1870, CDA’s membership currently consists of 27,000 dentists in 32 local dental societies throughout the state of California , making it the largest constituent of the American Dental Association .
The typical plan comes without annual limits, and shorter waiting periods to activation. Some plans cover cosmetic dental procedures as well, although this is less common. A standard dental discount plan has a limited roster of dentists within its approved network, similar to dental insurance. [1]
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