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Dental Insurance

With clear to understand benefits and options tailored to your needs, we make it easy to find the perfect plan. Choose only the coverage you need so you don’t have to pay for what you don’t. Here you’ll find all the coverage details and prices clearly listed so you find the right plan for you and your family at a great price.

Dental coverage helps protect you from unexpected dental expenses and makes it easier to keep up with regular checkups, cleanings, and other preventive treatments you need to keep your mouth healthy.

GEBA partners with Delta Dental of Pennsylvania to offer convenient access and quality assurance for our members across the country.

With 348,000 participating dentists nationwide, your current dentist likely participates. If you need to find a dentist, it will be easy to locate one near home, work or when you travel. Dentists in the network have been screened by Delta Dental to ensure they meet its professional standards for quality of care and service. Visit and click on “Find a Dentist.”

Increased Coverage in GEBA’s Standard Plan 

For 2021, we have increased coverage for Major Dental Care from 0% to 35% and increased premiums by $1-3/biweekly in our Standard Plan. With this added benefit, our dental plan remains competitively priced against the FEDVIP plans. You’ll also enjoy peace of mind knowing that if you unexpectedly need major dental work you’ll have coverage. To continue coverage in GEBA’s Standard Plan, no action is needed. Your plan will automatically renew.

Putting together the perfect coverage couldn't be simpler
Dental Benefits Icon

GEBA's Dental benefits offer: 

  • Affordable rates, with no deductible
  • Dependent child coverage up to age 26
  • More dentists – Nation’s largest dental network – 80% of all U.S. dentists are Delta Dental dentists*
  • Preventive care – exams, X-rays, and two cleanings per year
  • No exclusions for preexisting conditions
  • No waiting period for major dental care, except child orthodontia (up to age 19)
  • Lower out-of-pocket costs – PPO dentists accept Delta Dental contracted fees as full payment, meaning your share of the bill will be lower than with a non-Delta dentist

Two Dental Plans to fit your budget: 

Standard Delta Dental PPOSM Plan

  • Perfect for individuals and families with a satisfactory dental history and who recognize the importance of preventive and basic care in maintaining oral health.
  • Includes coverage for diagnostic and preventive care, basic restorative care, endodontic and periodontal services, and minor oral surgery.

Enhanced Delta Dental PPOSM Plan

  • Designed for individuals and families who want the maximum coverage available for their dental care needs.
  • Covers the Standard PPO Plan services plus major dental services, such as oral surgery, crowns, dentures and orthodontics (for dependent children only).
Covered ServicesStandard Plan2Enhanced Plan2
Maximum benefit per person per calendar year$4,000$35,000
Diagnostic and Preventive Care
• Oral exams and cleanings – twice in any 12-month period provided they are 6 months apart
• Bitewing X-rays – twice in any 12-month period
• Full mouth X-rays – once in 3-year period
• Fluoride treatments – twice in any 12-month period up to age 19
• Sealants - up to age 14
• Space maintainer - up to age 14
PPO - 100%
Premier3 - 100%
Out of Network4 - 100%
PPO - 100%
Premier3 - 100%
Out of Network4 - 100%
Basic Care
• Anterior composite “white” fillings
• Oral surgery – extractions and surgery
• Endodontics – pulpal therapy and root canal fillings
• Periodontics – treatment of gums
PPO - 50%
Premier3 - 50%
Out of Network4 - 50%
PPO - 80%
Premier3 - 60%
Out of Network4 - 60%
Major Dental Care
• Crowns, inlays5, and onlays5
• Implants – two implant annual maximum (per insured)
• Prosthodontics – construction or repair of fixed bridges, partial, or complete dentures
PPO - 35%
Premier3 - 20%
Out of Network4 - 20%
PPO - 50%
Premier3 - 40%
Out of Network4 - 40%
Orthodontics – up to age 19
(12-month waiting period in the Enhanced Plan for each dependent receiving treatment)
Not CoveredPPO - 50%
Premier3 - 50%
Out of Network4 - 50%

$2,000 per person maximum lifetime

FOR COMPARISON USE ONLY. This comparison is only a brief summary of benefits offered under each plan. Complete details, including limitations and exclusions, are detailed in the policy. In the event of discrepancies, the policy shall govern.

1Not available in Alaska.

2Delta Dental dentists accept Delta Dental’s Maximum Plan Allowances or their charged fees, whichever is less, as the full payment for services. This is known as Delta Dental’s Allowed Amount. A Maximum Plan Allowance is the amount payable for a service provided by Delta Dental dentists and non-Delta Dental dentists. It is calculated by Delta Dental from claim charges submitted on a regional basis for a given service by dentists of similar training within the same geographical area. Delta Dental blends the claim charges with dentist fee information from a number of other sources, including dentist fee filings, using various factors, subject to regulatory limitations and adjustment for extreme difficulty or unusual circumstances. The dollar amount of the Maximum Plan Allowance for services may be different depending upon the network in which the dentist participates. Plus, dentists who do not participate in Delta Dental’s networks (non-Delta Dental dentists) may not accept Delta Dental’s reimbursement as payment in full, and may charge you for the balance of the bill.

3Enrollees who receive services from Premier dentists will have to pay the difference between the contracted fees at the Premier network level and the amount covered by Delta Dental.

4Based on contracted fees at the PPO network level, you will have to pay the difference between the total fee charged and the amount covered by Delta Dental.

5Delta Dental of Pennsylvania does not require pre-authorization for services. Delta Dental strongly recommends enrollees ask their dentists to seek a pre-treatment estimate (also known as a predetermination of benefits) before receiving services that are expected to exceed $300.

*Network includes 156,528 dentists in 364,136 locations within Delta Dental PPO and Delta Dental Premier-only dentists. 

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Along with Dental and Vision coverage, membership also includes special discounts you can receive on Group Term Life and Disability plans. 

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Adult family members can enjoy the same great member rates and personalized service on most GEBA insurance products and financial planning services

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