Group Dental Plans
The Delta Advantage
The Society-sponsored dental plan offers quality dental care at affordable rates. More than 92% of the dentists in California participate in this program underwritten by Delta Dental. These 16,000 Delta participating dentists will handle all your Delta paperwork for you at no cost, so you don’t need to worry about sending in claim forms or waiting for reimbursement. And you receive an even higher level of benefits when you select a DELTA Preferred Option dentist. There are more than 1,800 DELTA Preferred Option dentists in the state.
If you prefer to go to a dentist who does not participate in the Delta program, you may have to submit your own claims, and your benefits will be paid directly to you.
This plan pays benefits up to $1,500 per person per calendar year for a wide range of dental services. To encourage regular dental checkups, the plan covers diagnostic and preventive dentistry at 100% with no deductible. All other covered services are subject to a modest $50 calendar-year deductible per person. You receive a higher level of benefits on some services when you select a DELTA Preferred Option (DPO) dentist.
Delta Dental is available to accounting firms in public practice. However, to be eligible to enroll you must:
- Apply for coverage within 60 days of establishing a new firm or practice; or
- Apply for coverage within 60 days of any of the firm’s owners, shareholders, principals or partners becoming a member of CalCPA.
Firms that do not enroll during either of these 60-day periods will be eligible only during special Open Enrollment Periods. Employers must subscribe for a minimum of 12 months.
To be eligible and retain such eligibility, more than 50% of all the Employer’s owners (i.e., principals, proprietors, partners, shareholders or other owners) must be CPAs or Associate members of CalCPA in good standing. If you are not a member of CalCPA, click here to see how you can join. All employers deemed to be part of an affiliated group under Internal Revenue Code Sections 414(b), (c), or (m) are considered to be a single employer.
Active, regular full-time employees working at least 20 hours per week are eligible for coverage.
Eligible dependents include a lawful spouse, domestic partner, and children to age 26. If an individual chooses to enroll dependents, all his or her eligible dependents must enroll.
100% of active, regular full-time employees working at least 20 hours per week must be covered. The firm must pay the full cost of employee coverage. Dependents may participate in the coverage provided at least 50% of the individuals at your firm who have eligible dependents enroll them. The cost of dependent coverage may be paid in full or in part by the employees, or paid by the firm.
Find a Dentist
CalCPA Health utilizes the Delta Dental provider network. Using a network dentist can save you a significant amount on your dental costs.