There are many advantages to using a Delta Dental participating dentist:
You will have to pay a coinsurance amount for procedures covered at less than 100% under Delta Dental. If a procedure is covered at 80%, for example, once you pay your deductible, your dentist will bill you for your coinsurance — 20% of Delta Dental's allowance for that procedure.
If your dentist is in Massachusetts and is a non-participating dentist, he or she can balance bill you the difference between Delta Dental's payment and his or her charge for the service provided, since he or she has not agreed to any reduced fees
If your dentist is outside of Massachusetts, you will be subject to balance billing. Delta Dental will base its reimbursement to dentists on the usual and customary charges for their services.
Your dental benefits include four types of services — diagnostic and preventive, basic restorative, major restorative and child orthodontia. To encourage routine, preventive care, the Delta Dental Plan covers preventive services at 100%. For more information on the coverage level for each type of service, please refer to your Delta Dental Subscriber summary of benefits.