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Delta Dental Vision Insurance: Plans, Coverage & Costs

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Delta Dental offers several vision plans worth considering if you already have a Delta Dental plan and want to bundle vision coverage into your existing plan. They offer a variety of benefits, and their Platinum and Diamond level plans seem especially good for people who use contacts regularly.

Vision Insurance Plans Offered

Delta Dental offers a variety of vision benefit packages, backed through the company EyeMed. The options discussed below relate to mostly their Arizona offerings. You’ll have to check the options available through Delta Dental if you live somewhere else in their network, but you can expect similarities across the board based on what we discuss here.

In a digital pamphlet on some of their most popular plans, Delta Dental details three of the vision plans you can get through them based primarily on the ACA’s metal tiers:

  • Gold
  • Platinum
  • Diamond

These options are available both for individual employee plans and for employees and their families. Additionally, these plan tiers are not the only ones available. They also offer lower tiered plans with fewer benefits. However, we will focus on these three plans for this article.

What Does It Cover?

Each of the three plans mentioned above provides coverage for the following:

  • Routine vision exams
  • Retinal imaging
  • Yearly contact lenses
  • Yearly glasses and frames
  • Diabetes-related eyecare

Most of these benefits can apply once a year per person on the plan. Diabetic care services can be used up to two times per year per person covered by the plan.

LASIK & Refractive Surgery Coverage

All three Delta Dental vision plans discussed provide 15 percent off retail price or 5 percent off promotional pricing for LASIK and PRK surgeries from participating providers. 

Costs

Pulled directly from the digital pamphlet mentioned earlier, the monthly rates for the three plans are as follows:

Monthly Rates

GoldPlatinumDiamond
2-tier
Employee$6.06$8.04$10.51
Employee + Family$14.92$19.79$25.85
3-tier
Employee$6.06$8.04$10.51
Employee +
1 Dependent		$12.43$16.49$21.54
Employee +
2 or More Dependents		$17.89$23.73$31.00
4-tier
Employee$6.06$8.04$10.51
Employee + Spouse$12.13$16.09$21.92
Employee + Children$11.83$15.69$20.49
Employee + Family$18.50$24.54$32.05

The biggest difference between these plans beyond the monthly cost is the allowance provided for glasses and contacts. In the case of contacts, the Gold-level plan has a much smaller allowance for contact lenses (typically $80 per year) compared to the Platinum ($150/year) and Diamond ($175/year) plans. 

Beyond that, the plans tend to have similar or identical copays for the same covered services. In the case of diabetic care services, coverage is 100 percent for all these plans, with no copay.

Eligibility

Delta Dental seems to require an individual first have a dental plan with them before allowing them to optionally get vision coverage. Additionally, vision plans bundled with dental require a minimum of two enrolled employees, and employer contribution is not required. 

You can also read more about eligibility and benefits here, although this page is aimed more at providers. You can also use this tool to search for plans relevant to your area.

References

  1. Delta Dental of Arizona. Arizona Dental Insurance Service, Inc.
  2. Popular Plan Options – Insight Network.  Arizona Dental Insurance Service, Inc.
  3. Patient Eligibility and Benefits. Arizona Dental Insurance Service, Inc.
  4. Get a Quote. Delta Dental Insurance Company.

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