Office of the Comptroller of the Currency Dental Care Program

Delta Dental PPO Plan

Get access to an expansive network of dentists nationwide.

First time users — Register Today.

You can visit any licensed dentist under the Delta Dental PPO plan, but you’ll maximize plan value by taking advantage of our large PPO network because these dentists have agreed to reduced contracted rates. The Delta Dental Premier® network also provides cost protections for PPO enrollees. Premier dentists’ contracted fees are typically higher than PPO dentists’ fees, but they can usually help you save on out-of-pocket costs. Both PPO and Premier dentists will not “balance bill” you for additional fees, unbundle services, or require pre-payment for services. You are only responsible for any applicable deductibles, coinsurance, charges for non-covered services and amounts over plan maximums.

For services provided by a Delta Dental PPO or Delta Dental Premier dentist, Delta Dental will reimburse the dentist directly according to a negotiated rate. For services provided by an out-of-network dentist, Delta Dental will reimburse the enrollee based upon maximum contract allowances but the dentist may bill the enrollee up to their normal fees.

About the Plan


Current employees are eligible for the PPO plan and must see their Human Resources benefits administrator to enroll.

Retired OCC employees who were participating in the program as an active employee are provided a one-time opportunity to elect the PPO option. Retirees can view premium rates and manage their enrollment here.

Choosing a Dentist

The chart below depicts an example of savings you may expect when visiting a Delta Dental PPO network dentist or a Delta Dental Premier dentist as compared to the cost of treatment from a non-Delta Dental, non-contracted dentist. These are hypothetical numbers for illustrative purposes only and assume that no maximums or deductibles apply.

Example Delta Dental PPO Dentist Delta Dental Premier® Dentist Non-Delta Dental Dentist*
Dentist's charge for a crown $1,000 $1,000 $1,000
Contract allowance
(amount on which Delta Dental bases its payment)
$640 $800 $900
(% of contract allowance Delta Dental will pay)
60% 60% 60%
Delta Dental's share $384 $480 $540
Enrollee's Share $257 $320 $460*
Balance billing
(any amount over the contract allowance that enrollee is paying)
$0 $0 $100

**Non-Delta Dental, non-contracted dentists (out-of-network dentists) are paid based on usual and customary charges; therefore, you may pay higher out-of-pocket costs when using a non-network dentist.

Manage Your Account

With the Consumer Toolkit

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  • Verify current enrollment
  • Review your benefits online
  • Check plan maximums
  • Sign up for paperless EOBs

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