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New Cigna + Oscar (C+O) small group sales and renewals will not be offered in 2025. At C+O’s request, all plans and rates have been removed from the quote engine. However, you can still quote or renew your C+O groups through December 15, 2024 by contacting us at quotes@claremontcompanies.com or 800.696.4543. Please note: the last day of coverage will be December 14, 2025.
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Delta Dental PPO™ plan members have access to two Delta Dental networks – Delta Dental PPO and Delta Dental Premier®. Together, they make up the largest network of dentists in the nation, according to Zelis Network360®. In fact, four out of five dentists in the United States are Delta Dental network dentists. The main difference between the two networks is the amount members can save.
There are three options: PPO, Premier, and non-Delta Dental dentists. Members save the most when visiting a Delta Dental PPO dentist, a little less at a Premier dentist, and the least at a non-Delta Dental dentist.
Delta Dental PPO Network
With this large, high-quality and reliable network of dentists, members don’t need to carry paper ID cards or submit claims, since Delta Dental works directly with dentists to manage identification and claims.
By visiting a dentist in the PPO network, members pay less out-of-pocket and make their plan maximum go farther. PPO dentists have agreed to reduced fees, which means added savings and no unexpected out-of-pocket costs.
But members don’t have to sacrifice plan savings if their dentist isn’t in the PPO network.
Delta Dental Premier Network
By visiting a dentist in the Premier network, members can expect the same advantages of a high-quality network and easy access, but with more limited out-of-pocket savings.
Delta Dental Premier dentists have also agreed to discounted fees, as part of their contract with Delta Dental. Premier fees are typically higher than Delta Dental PPO fees. Like with PPO dentists, members won’t pay more than their expected share — so there are no surprise bills.
Non-Delta Dental dentists can set any price they wish.
To encourage in-network visits long term, it’s best to build incentives into plan designs that encourage visiting in-network dentists. Groups may have the following options:
The amount the plan bases its payment on is the reimbursement, also known as the maximum plan allowance. This is separate from the percentage at which certain services are covered.
Under a Delta Dental PPO plan, PPO dentists are reimbursed at PPO fees and Premier dentists are reimbursed at either Premier or PPO fees. How Premier dentists are reimbursed under a PPO plan is up to the plan’s benefits administrator, but there are advantages to each of the two options:
With the Find a Dentist tool, members can check a dentist’s network by entering their own location and choosing their preferred network from the ‘Select a Network’ drop-down menu. Each dentist’s directory listing indicates which networks the dentist participates in.
With Delta Dental’s dual network, your clients and their employees can make informed choices about their care and costs, without sacrificing quality.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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