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Health Fund

Getting The Most From Your Plan

Choosing A Dentist

You receive the maximum benefits available when you use a DPO dentistA doctor of dentistry who is licensed to practice dentistry at the time and place involved where the particular dental procedure was rendered.. DPO dentists are Delta dentists who have agreed to charge DPO patients reduced fees. The dentist you choose will impact the level of benefits you receive.  Here's how it works:

When You Choose...
A Delta dentist, including:
A DPO dentist
A non-DPO dentist
  • You will be charged no more than the fees approved by Delta Dental, but these fees could be higher than those charged by a DPO dentist
  • You will pay a deductible*, copay and/or any amount over the annual benefit maximum when you receive care
  • You do not need to file a claim form
A non-Delta dentist:
  • The dentist's fee may be higher than the rates
    negotiated for DPO providers or other Delta providers
  • You will pay a deductible*, copay and/or any amount
    over the annual benefit maximum when you receive
  • You will also be responsible for any charges over the
    R&C limit
  • You may have to pay the entire cost in advance
  • You may have to complete and submit your own claim form and wait for reimbursement from the Dental Plan

*Deductible waived for diagnostic and preventive care.


Within the Delta Dental network is a select group of dentists called DPO dentists. Both DPO dentists and non-DPO dentists are part of the larger Delta Dental network but DPO dentists agree to offer lower negotiated rates. (See "Choosing a Dentist" chart on this page for more information.)

You will automatically receive a network provider list at no charge. To learn more about the dentists who participate in the
nationwide DPO network, as well as other Delta Dental providers, you can also:

  • Call Delta Dental for a list of participating dentists in your area; or
  • Log on to Delta Dental's website at to search for a provider online.

Keep in mind that network dentists occasionally change, so you will want to make sure the dentist you choose is still in the DPO or Delta Dental network before you make an appointment. For the most up-to-date information, including whether a dentist is accepting new patients, call the dentist directly.


The DHMO is available only to participants that reside in California. Before choosing this plan, be sure to carefully review the plan's provider directory to ensure there's a provider in your area.

Claim Example