Plan Options

Benefit Summary (Effective 11/01/2019)
Monthly Premium Gold Plan Silver Plan Bronze Plan
Single Single $35.54 $28.94 $14.47
Two-Person Two-Person $68.73 $56.25 $29.66
Family Family $125.46 $105.27 $61.93
The deductible is annual, per person per contract year, and applies to all services $50 $75 $25
Preventive Services
  • Exams (2 per benefit year)
  • Cleanings (2 per benefit year)
  • Bitewing x-rays (one set per person in a benefit year)
  • X-rays (full mouth/panoramic one per person every 60 months)
  • Fluoride treatments (one per person in a benefit year under age 16)
  • Space maintainers (under age 14)
  • Sealants (under age 16)
100% 90% 100%; Fluoride treatments under age 18; sealants under age 19, space maintainers not covered
Basic Services - 6 month waiting period*
  • Fillings (amalgams)
  • Simple tooth extractions
50% 50% Not Covered
Major Services (12-month waiting period)*
  • Gum disease treatment
  • Root Canals
  • Surgical extractions
  • Denture relines and rebases; adjustments
  • Crowns
  • Complete and partial dentures
  • Fixed Bridge work
50% 50% Not Covered
Annual Maximum Benefit
Per Person Per Benefit Year $1,500 $1,000 $500
Enhanced Benefits Program
Offers additional coverage for individuals who have specific health conditions (including pregnancy, diabetes, high-risk cardiac conditions, and suppressed immune systems) that can be positively affected by additional oral health care. Included Included Additional general cleanings and fluoride treatment where applicable included

* The waiting period is waived if you were covered under a Delta Dental of Illinois group-sponsored policy within 60 days of the start of your coverage under this policy, and had at least 12 months of continuous coverage under that plan. Waiting periods must be satisfied if there has been a lapse in coverage or for new members who are added to this policy. Your previous coverage will be verified. Waiting periods will be waived if you were covered within the past 60 days by Delta Dental of Illinois. Please note: your effective date for the individual product must be within 60 days of your termination date from prior Delta Dental of Illinois coverage. You must enroll by the 20th of the month to be effective the 1st of the following month.

There is a 24-month waiting period to re-enroll if you drop coverage. Subsequent rate changes will be reviewed prior to the renewal date subject to a 60-day notification.

Delta Dental of Illinois' individual product is only available to Illinois residents.

Enroll Now

Review the Delta Dental of Illinois Individual and Family Dental Benefit Brochure

View the current rates for Delta Dental of Illinois Individual and Family Plans

Are you looking for a plan that complies with the Affordable Care Act’s pediatric dental essential health benefit (EHB)?

Delta Dental of Illinois has dental plans that meet the guidelines of the Affordable Care Act (ACA). These plans are NOT available online. Learn more about these plans or find out how you can enroll in our ACA compliant individual plans.

Dentist Networks

Members who choose Delta Dental PPO – Gold, Silver or Bronze plans* have the flexibility to choose any dentist with Delta Dental’s individual dental plans – Delta Dental PPO℠, Delta Dental Premier® or non-network, but your out-of-pocket costs will vary. Delta Dental’s individual plans reimbursement for dental procedures is based on Delta Dental PPO fees. You will save the most money by visiting a Delta Dental PPO℠ dentist.

Delta Dental Premier and non-network dentists can bill for charges above the allowed Delta Dental PPO amount. This means that even if a procedure is covered at 100%, you may have out of pocket costs if you use a Delta Dental Premier or non-network dentists because they can bill for charges above the allowed Delta Dental PPO amount. However, Delta Dental Premier dentists cannot bill for charges above the allowed Delta Dental Premier amount, which means you may save money with a Delta Dental Premier dentist compared to a non-network dentist. See how.

* Not applicable to members who choose Delta Dental PPO-Gold with Individual Kids Preferred, Delta Dental PPO-Silver with Individual Kids Preferred or Individual Kids Preferred. Delta Dental of Illinois’ Individual Kids Preferred plan meets all the guidelines of the Affordable Care Act’s (ACA) Pediatric Dental Essential Health Benefit (EHB). The Delta Dental PPO Individual Kids Preferred plan uses an Exclusive Provider Feature. With an Exclusive Provider Feature, benefits are paid only when a member sees a Delta Dental PPO dentist. There are no benefits when a member sees a dentist outside of the Delta Dental PPO network. However, with the Gold and Silver Plan with the Individual Preferred plan, members under age 19 can use the benefits of both plans but can only receive benefits from the Individual Kids Preferred plan with Delta Dental PPO dentists.

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Need additional guidance?

For enrollment help or questions, please contact us at 877-824-2776, 8:30 a.m. to 5:00 p.m. central time, Monday through Friday or by email at For customer service or claims questions, please contact Delta Dental of Illinois Customer Service at 855-327-8336, Monday - Thursday 7:00 AM - 7:00 PM CST and Friday, 7:00 AM - 6:00 PM CST, or email