Frequently Asked Questions
What is Delta Dental PPO – Point of Service?
Our Delta Dental PPO – Point of Service program is Delta Dental of Oklahoma’s comprehensive dental program with benefits ranging from routine preventive care to major restortive care. Delta Dental PPO – Point of Service uses both the Delta Dental Premier and Delta Dental PPO networks. Although you are free to utilize the licensed dentist of your choice, you will maximize your benefits and savings when one of our network providers is utilized.
You pay a low monthly fee and receive access to 3 classes of dental treatment from a list of nearly 1,500 participating Delta Dental Premier™ dentists. While you can visit any dentist, your out-of-pocket savings are maximized if you stay in our network.
Note: Current Delta Dental subscribers and persons currently covered by another dental carrier are not eligible to enroll.
How do I pay?
Complete and submit the enrollment form provided in the Enroll Now section of the website. You can pay by monthly “bank draft” from a checking or savings account. You can only pay by personal check if you are paying for the total annual enrollment cost in full! This is to keep administrative costs (and your premiums) down. Because of state insurance laws, we are unable to accept debit or credit cards.
Are there waiting periods for certain treatments with Delta Dental PPO – Point of Service?
Yes - certain waiting periods apply: 6 months for Class 2 coverage and 12 months for Class 3 coverage.
Note: Subject to review, waiting periods may be waived if an individual can provide written evidence of comparable coverage within 60 days preceding their enrollment date.
Are there annual maximum and deductibles?
Each covered member of Delta Dental PPO – Point of Service will have access to a $1,000 annual maximum for Classes 1, 2, and 3 combined per calendar year. An annual $50 deductible per person applies to Class 2 services and an annual $200 deductible per person applies to Class 3 services.
Is Delta Dental PPO – Point of Service insurance?
YES, Delta Dental PPO – Point of Service is insurance. As such, we are unable to accept credit or debit card payments.
You can pay by monthly “bank draft” from a checking or savings account. You can only pay by personal check if you are paying for the total annual enrollment cost in full! This is to keep administrative costs (and your premiums) down.
Are there waiting periods for certain treatments with Delta Dental PPO – Point of Service?
Yes - certain waiting periods apply:
6 months for Class 2 coverage
12 months for Class 3 coverage
Note: Enrollment-time credit may be given if an individual provides written evidence of comparable coverage within 60 days preceding enrollment date.
How can I enroll in Delta Dental PPO – Point of Service?
To enroll, simply print off an enrollment form and mail it in. Because this is dental insurance, we cannot accept credit or debit cards for payment. You must pay by monthly automatic bank draft from either a savings or checking account (or you can pay an entire year's premium by personal check).
Once your payment and requested paperwork have been processed, an enrollment kit with I.D cards will be mailed to you within 7-10 days of the approval of your application.
IMPORTANT NOTE ABOUT YOUR EFFECTIVE DATE: When valid enrollment documentation and payment is received by DDOK on the 1st through the 20th of the month, coverage will be effective the first of the month immediately following. When valid enrollment documentation and payment are received by DDOK on the 21st through the last day of the month, coverage will be effective the first of the second month.
Example: If enrollment documentation/payment is received January 5, 2007—your coverage effective date is February 1, 2007; If enrollment documentation/payment is received January 23, 2007—coverage effective date is March 1, 2007.
IMPORTANT NOTE: Your first month's premium is deducted immediately upon enrollment.
How do I receive my membership card and other information?
If you enroll on-line, once your payment and paperwork (valid enrollment documentation) have been processed you will receive a Membership Card and packet by mail - usually within 7 to 10 business days.
When can I access treatment?
It depends on your enrollment date! When valid enrollment documentation and payment are received by DDOK on the 1st through the 20th day of the month, coverage will be effective the first day of the month immediately following. When valid enrollment documentation and payment is received by DDOK on the 21st through the last day of the month, coverage will be effective the first day of the second month.
Example:Enrollment documentation/payment received January 5, 2007—coverage effective date is February 1, 2007; enrollment documentation/payment received January 23, 2007—coverage effective date is March 1, 2007.
Can I pay by personal check via the U.S. mail?
Only if you are paying for the total annual enrollment cost in full! This is to keep administrative costs (and your premiums) down. You can pay by monthly “bank draft” from a checking or savings account (you provide bank draft information on our secured website).
IMPORTANT NOTE: Your first month's premium is deducted immediately upon enrollment.
Is every Oklahoma dentist a provider for Delta Dental PPO – Point of Service?
No. The Delta Dental PPO – Point of Service program utilizes our Delta Dental PPO and Premier dentist networks which together, consists of more than 1,350 dentists across Oklahoma. To maximize your savings, you must see a Delta Dental PPO or Premier participating dentist. To identify a PPO or Premier participating dentist in your area, please use the on-line dentist search on this website.
Do multiple dependents on the Family Plan cost extra?
No! Your monthly fee on the Individual + Family program covers you, your spouse and every eligible dependent under the age of 19 years old. Simply use your ID card for each member.
What about pre-existing dental conditions?
As long as the treatment you receive is a covered service and you adhere to the waiting period (if applicable), you simply pay your deductible (if applicable) and your portion of the co-insurance. Should you elect a treatment that is not a covered service, you would be responsible for the entire amount.
What is EyeMed Vision Care?
As a Delta Dental PPO – Point of Service enrollee, you’ll receive a discount vision care program from EyeMed Vision Care. You will receive discounts on exams, frames, lenses, contact lenses, laser surgery and eyewear accessories! You will also receive discounts on any frame available at participating provider locations, including designer frames from Armani®, Anne Klein®, Vogue®, Brooks Brothers® and more!
The EyeMed Vision Care network provides members with access to nearly 18,000 providers at 9,000 locations nationwide! This includes the nation's leading optical retailer LensCrafters® as well as independent optometrists, ophthalmologists, and opticians.
What if I decide to drop Delta Dental PPO – Point of Service coverage?
You must provide a notice of termination 30 days prior. If you decide for any reason to terminate your coverage, you will not be eligible to re-enroll for 24 months.
You may elect to convert your individual and family dental coverage to our other fully-insured dental program (Delta Dental Premier Choice) but only for a January 1 effective date for the following plan year.
What if I have additional questions about Delta Dental PPO – Point of Service?
If you have additional questions before enrolling in the Delta Dental PPO – Point of Service program, please call toll free - 1-877-433-5821.
If you are already enrolled in Delta Dental PPO – Point of Service, call our Customer Service department toll free at 1-877-433-5821.
