Still Not Convinced Dental and Vision Insurance is Worth It?
What's in it for you.
Delta Dental Benefits
- Over 80% of New Jersey dentists are in our network.
- Two exams and cleanings covered at 100% per year.
- White fillings for all teeth and coverage for missing teeth.
- Dependents covered until age 26.
- Extra benefits for pregnant women and those with special health needs.
- Discounts on lifestyle and wellness items.
DeltaVision® (with VSP® Vision Care)
- Access to the largest network of independent eye doctors.
- In-network retail locations like Costco®, Walmart®, and Pearle Vision®.
- Plans cover both glasses and contacts in the same year.
- One comprehensive eye exam covered at 100% per year.
- Retinal screenings for members with diabetes covered in full.
- Additional discounts, including on LASIK.
The Overall Health Connection
Oral Health Connection
An oral exam can reveal early warning signs for over 120 diseases. An exam can detect:
- Diabetes (through A1c testing)
- Oral cancer & Osteoporosis
- Anemia & Acid reflux (GERD)
Vision Connection
Eye exams can help a vision doctor detect more than 270 conditions, such as:
- Glaucoma, cataracts, and diabetic retinopathy
- Strokes, aneurysms, and brain tumors
- Hypertension, diabetes, and high cholesterol
Why a plan through your employer is the better option
- No waiting periods for coverage to begin.
- Pay premiums with pre-tax dollars, lowering your taxable income.
- Save money with negotiated fees from in-network providers.
- Enjoy a hassle-free experience without complex research and paperwork.
Frequently Asked Questions & Savings
Our Find a Dentist tool makes it easy to find a new dentist near you or to check if your existing dentist is in-network. Since you haven’t enrolled in a plan yet, select “all” when you’re asked to choose your network. VSP also makes it easy for you to find an in-network eye doctor near you.
You will always get the best savings by visiting an in-network provider. The Dental Insurance Company PPO network saves members an average of 45%, while the Delta Dental Premier network saves members an average of 32%.4 Even if you visit an out-of-network dentist, Delta Dental of New Jersey will still pay a portion of the allowed fee, but you will also be responsible for paying the difference between the dentist’s usual fee and the amount they’ve agreed to charge patients covered by Delta Dental of New Jersey.
Here is an example of how using an in-network dentist can save you money when getting a $1,562 crown.
| PPO | Premier | Out-of-network | |
|---|---|---|---|
| Dentist's charge | $1,562 | $1,562 | $1,562 |
| Delta Dental's maximum allowed fee | $790 | $930 | $790 |
| Member's share (50% of the allowed fee) | $395 | $465 | $395 |
| Balance billing | N/A | N/A | $772 |
| Member final cost1 | $395 ($790/2) |
$465 ($930/2) |
$1,167 ($790/2+772) |
| Member's total in-network savings | $772 | $702 | N/A |
| ($1,167 - $395) | ($1,167 - $465) |
Our DeltaVision plans are part of the VSP Premier Edge™ network, which saves members between 43% and 68% on services and materials.5
Here’s an example of how you can save with VSP6
| Members save with VSP |
||
|---|---|---|
| Without VSP | With VSP | |
| Eye Exam | $200 | $10 copay |
| Frame ($150 allowance) | $150 | $25 copay |
| Single vision lenses | $115 | |
| Anti-glare coating | $159 | $85 |
| Light-reactive lenses | $141 | $75 |
| Member-only annual contribution | $91 | |
| Total | $775 | $286 |
| * Based on state and national averages for eye exams and most commonly purchased brands. This represents the average savings for a VSP member with a full-service plan and $150 frame allowance at an in-network provider. Actual savings will vary based on plan, copays, annual premium, provider, services and materials. Source: VSP book-of-business paid claims data for August-January of each prior year. |
VSP Member average savings per year $489 |
|
Yes. All of our Delta Dental and DeltaVision plans include access to Wellness Perks, a savings program that offers discounts on a variety of recognizable brands to support your oral and hearing health, as well as your family’s lifestyle needs. Currently, Oral-B, Philips Sonicare, First Grin, Amplifon Hearing Health Care.
1 Only for dental plans that cover Major procedures.
2 Vision plans may not be offered by your employer. Check with your benefits manager to see if a DeltaVision plan is available to you.
3 American Academy of Ophthalmology.
4 As of May 2025. Your savings may vary.
5 This savings range is based on an example of national averages for specific services. Your actual costs and savings will vary depending on your specific plan, provider, location, and the services you receive.
6 Based on state and national averages for eye exams and most commonly purchased brands. Actual savings will vary based on plan, copays, annual premium, provider, services, and materials.
