Frequently Asked Questions
Why do I now register for Spotlight?
Spotlight is secure access to the next generation of online dental benefits. By registering, you can access your claims and benefits information, print an ID card, conduct a dentist search, and utilize all the newest online tools.
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 restorative 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 4 Classes of dental treatment from a list of more than 1,500 Delta Dental participating 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. The only payment option for the Delta Dental PPO – Point of Service product is by electronic funds transfers (drafts) from checking or savings accounts on a monthly basis. Initial premium will be drafted from your account immediately upon approval of your application. Subsequent drafts will be made on the 21st of each month and applied to the next month’s premium. This is to keep administrative costs (and your premiums) down. At this time debit or credit card payments are not available.
You are eligible immediately upon your effective date for Class 1 services (no waiting periods apply). If visiting a Delta Dental PPO or Premier participating provider, your claim will be filed for you by the dental office. Waiting periods do apply for Class 2, Class 3 & Class 4 services.
I am dropping dental insurance with another carrier, can I avoid certain waiting periods?
Yes! If you provide proof of previous comparable coverage and apply within 60 days from your previous policy cancellation date, we will review your previous coverage and, in most cases, provide credit toward certain waiting periods.
Are there annual maximums 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. A separate $1,000 lifetime maximum applies to Class 4 services (orthodontic services for dependent children under age 19). 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. This is to keep administrative costs (and your premiums) down.
How can I enroll in Delta Dental PPO – Point of Service?
To enroll, simply select the enroll now button on this website or click here to enroll now. 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.
Once your payment and requested paperwork have been processed, a membership kit with ID 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 are 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, 2012 - your coverage effective date is February 1, 2012; If enrollment documentation/payment is received January 23, 2012 - coverage effective date is March 1, 2012.
How do I receive my membership card and other information?
If you enroll online, 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?
You can access treatment on or after your effective date of coverage. However, 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 are 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, 2012 - coverage effective date is February 1, 2012; enrollment documentation/payment received January 23, 2012 - coverage effective date is March 1, 2012.
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 1,500 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 online 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 age 19. 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-payment. Should you elect a treatment that is not a covered service, you are responsible for the entire amount.
What is EyeMed Vision Care?
As a Delta Dental PPO – Point of Service enrollee, you’ll receive a discount referral 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 one of 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 to the requested date of termination. If you decide for any reason to terminate your coverage, you will not be eligible to re-enroll for 24 months following the termination dates.
You may elect to convert your individual and family dental coverage to our other fully-insured dental program (Delta Dental PPO – Choice Advantage), 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 about the Delta Dental PPO – Point of Service program, please call 800-522-0188 (Toll Free) or 405-607-2100 (OKC Metro).
