My company is offering us a choice of Delta Dental Premier, Delta Dental PPO and DeltaCare USA. What are the differences?

Delta Dental Premier is a traditional fee-for-service plan that allows you to visit any licensed dentist and to change dentists at any time without notifying Delta Dental. Delta Dental PPO is a preferred provider organization plan, which also offers you the flexibility to visit any licensed dentist. However, you generally receive the best benefits when you visit Delta Dental PPO dentist. DeltaCare USA is a prepaid plan that features set copayments, no annual deductibles and no maximums for covered benefits. In most states, enrollees must select a primary dentist in the DeltaCare USA network dentist from whom they receive treatment as in a traditional DHMO*. Note that all Delta Dental dentists are Delta Dental Premier dentists, but not all Delta Dental dentists participate in the Delta Dental PPO and/or DeltaCare USA networks. *In some states, DeltaCare USA is offered as an open access plan where enrollees can obtain treatment from any licensed dentist. However, deductibles and ...  more