Notice
To view benefit information and claim status at any time, you can sign into your account or use our Interactive Voice Response System 24/7 at (800-452-9310).
Dental and Vision Plans for Individuals and Families
A Pinnacle FMO resource page
A partership you and your clients
can trust
For over 55 years, members have trusted Delta Dental to provide affordable dental benefits, outstanding customer service, easy claims processing, and access to the largest local and national dental networks.1 With the addition of vision benefits through DeltaVision®, we continue to advance our mission of supporting overall health through preventive care.
We've teamed up with Pinnacle Financial Services, a Field Marketing Organization, to provide a single point of contact, and offer marketing and sales resources to help brokers like you grow their business more efficiently with local ancillary products.
Why get appointed with Delta Dental through Pinnacle?
You get the backing of the leaders in dental and vision benefits – Delta Dental and VSP® Vision Care
Straightforward plans. Responsive service. Clients who stick around. Delta Dental of New Jersey and Connecticut are built to sell easily and service even easier — backed by trusted networks and a customer service team that keeps things running smoothly. That's a big part of why we consistently retain over 90% of our book of business, year after year. Less noise for you, more satisfaction for your clients, and a carrier you can count on to keep them covered.
Clients get the largest local and national networks
While other dental carriers tout their UCR payout levels, we say that it shouldn't be "usual" for members to have to go out of network. Our network strength helps our members stay in network, saving them money. And, unlike other carriers who build their networks from lease arrangements, we own 100% of ours. That provides our members with the stability they can rely on year after year.
Our partnership with VSP® Vision Care means DeltaVision members get access to the largest network of private practice eye doctors, plus big box retailers (Walmart, Sam’s Club, and Costco®), and online options. 100% of VSP network doctors are credentialed to the National Committee for Quality Assurance (NCQA) standards.
Delta Dental PPO™ - Deepest discounts, lowest out-of-pocket costs.
Delta Dental Premier® - Broader access, strong discounts.
VSP® Choice Network - Broadest provider network, with access to VSP Premier Edge™ for exclusive rebates, advanced exam technology, and a worry-free eyewear guarantee.2
Delta Dental Individual and Family™ plans cover any smile and any budget
View Delta Dental PPO Plus Premier™ plans4
Choice 5000, Progressive, Premium, Enhanced Plus Ortho, Classic & Clear Plan
| Plan benefit | Choice 5000 | Progressive | Premium | Enhanced Plus Ortho | Classic | Clear PlanTM (PPO/Premier) | ||
|---|---|---|---|---|---|---|---|---|
| Year 1 | Year 2 | Year 3 | ||||||
| Dollar maximum (per person/yr) | $5,000 | $1,500 | $1,750 | $2,000 | $2,500 | $1,000 (separate max for orthodontics) | $1,000 | None |
| Deductible | $250/person | $50 | $50 | $50 | $100/person | $50/person | $50/person | None |
| The percent you pay after your deductible (where required)5 | The dollar amount you pay5 | |||||||
| Cleanings, exams, bitewing X-rays | 0% | 0% | 0% | 0% | 0% | 0% | 0% | $60 |
| Topical fluoride | 0% | 0% | 0% | 0% | 0% | 0% | 0% | Included in cleaning |
| Fillings | 25% | 60% | 40% | 20% | 20% | 20% | 40% | $120 |
| Crowns | 50% (12-month waiting period may apply) | 70% | 60% | 50% | 50% (12-month waiting period may apply) | 50% (12-month waiting period may apply) | 50% (12-month waiting period may apply) | $750 (1 tooth per benefit period) |
| Implants | N/A | N/A | N/A | N/A | 50% (12-month waiting period may apply) | N/A | N/A | $2,500 (1 tooth per benefit period) |
| Root canals | 50% (12-month waiting period may apply) | 70% | 60% | 50% | 50% (12-month waiting period may apply) | 50% (12-month waiting period may apply) | 50% (12-month waiting period may apply) | $500 (2 teeth per benefit period) |
| Non-surgical extractions | 35% | 60% | 40% | 20% | 20% | 20% | 40% | $120 |
| Teeth whitening | N/A | N/A | N/A | N/A | 50% (12-month waiting period may apply) | 50% (12-month waiting period may apply) | 50% (12-month waiting period may apply) | N/A |
| Orthodontics | N/A | N/A | N/A | N/A | N/A | 50% ($1,500 lifetime max, $100 lifetime deductible, 12-month waiting period may apply) | N/A | N/A |
| Deductible does not apply to routine procedures like cleanings, exams, X-rays, and topical fluoride. Percentages shown are what the member pays after the deductible, where required.5 For the Clear Plan, figures shown are flat dollar amounts the member pays, not percentages.5 Open FMO Brochure — NJ → | ||||||||
View Delta Dental ACA plans4
Adult benefits apply to members 19 and older; pediatric benefits apply to members under 19.
Preventive Family PPO, Basic Family PPO I, II & III (ACA)
| Plan benefit | Preventive Family PPO | Basic Family PPO I | Basic Family PPO II | Basic Family PPO III | ||||
|---|---|---|---|---|---|---|---|---|
| Adult | Pediatric | Adult | Pediatric | Adult | Pediatric | Adult | Pediatric | |
| Dollar maximum (per person/yr) | N/A | $350/person | $1,000 | N/A | $1,000 | N/A | $1,000 | N/A |
| Deductible | N/A | $135/person | $75/person | $135/person | $25/person | $135/person | $25/person | $35/person |
| The percent you pay after your deductible (where required)5 | ||||||||
| Cleanings, exams, bitewing X-rays | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Topical fluoride | N/A | 0% | N/A | 0% | N/A | 0% | N/A | 0% |
| Fillings | 0% | 50% | 40% | 50% | 40% | 50% | 20% | 20% |
| Crowns | N/A | 50% | N/A | 50% | 50% | 50% | 50% | 50% |
| Implants | N/A | 50% (edentulous members only) | N/A | 50% (edentulous members only) | N/A | 50% (edentulous members only) | N/A | 50% (edentulous members only) |
| Root canals | N/A | 50% | N/A | 50% | 50% | 50% | 50% | 50% |
| Non-surgical extractions | N/A | 50% | N/A | 50% | 50% | 50% | 50% | 50% |
| Teeth whitening | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Orthodontics | N/A | 50% (only if medically necessary) | N/A | 50% (only if medically necessary) | N/A | 50% (only if medically necessary) | N/A | 50% (only if medically necessary) |
| Deductible does not apply to routine procedures like cleanings, exams, X-rays, and topical fluoride. Source: 2026 FMO Brochure. Open FMO Brochure — NJ → | ||||||||
View Delta Dental PPO Plus Premier™ plans4
Choice 5000, Premium & Enhanced Plus Ortho plans
| Plan benefit | Choice 5000 | Premium | Enhanced Plus Ortho |
|---|---|---|---|
| Dollar maximum (per person/yr) | $5,000 | $2,500 | $1,000 (separate max for orthodontics) |
| Deductible | $250/person | $100/person | $50/person |
| The percent you pay after your deductible (where required)5 | |||
| Cleanings, exams, bitewing X-rays | 0% | 0% | 0% |
| Topical fluoride | 0% | 0% | 0% |
| Fillings | 25% | 20% | 20% |
| Crowns | 50% (12-month waiting period may apply) | 50% (12-month waiting period may apply) | 50% (12-month waiting period may apply) |
| Implants | N/A | 50% (12-month waiting period may apply) | N/A |
| Root canals | 50% (12-month waiting period may apply) | 50% (12-month waiting period may apply) | 50% (12-month waiting period may apply) |
| Non-surgical extractions | 35% | 20% | 20% |
| Teeth whitening | N/A | 50% (12-month waiting period may apply) | 50% (12-month waiting period may apply) |
| Orthodontics | N/A | N/A | 50% ($1,500 lifetime max, $100 lifetime deductible, 12-month waiting period may apply) |
| Deductible does not apply to routine procedures like cleanings, exams, X-rays, and topical fluoride. Percentages shown are what the member pays after the deductible, where required.5 Open FMO Brochure — CT → | |||
View Delta Dental PPO™ plans4
Progressive, Classic & Basic plans
| Plan benefit |
Progressive |
|
Basic |
||
| Year 1 | Year 2 | Year 3 | |||
| Dollar maximum (per person/yr) | $1,500 | $1,750 | $2,000 | $1,000 | $1,000 |
| Deductible | $50 | $50 | $50 | $50/person | None |
| The percent you pay after your deductible (where required)5 | |||||
| Cleanings, exams, bitewing X-rays | 0% | 0% | 0% | 0% | 0% |
| Topical fluoride | 0% | 0% | 0% | 0% | 50% |
| Fillings | 60% | 40% | 20% | 40% | 50% (6-month waiting period may apply) |
| Crowns | 70% | 60% | 50% | 50% (12-month waiting period may apply) | N/A |
| Implants | N/A | N/A | N/A | N/A | N/A |
| Root canals | 70% | 60% | 50% | 50% (12-month waiting period may apply) | N/A |
| Non-surgical extractions | 60% | 40% | 20% | 40% | 50% (6-month. waiting period may apply) |
| Teeth whitening | N/A | N/A | N/A | 50% (12-month waiting period may apply) | 50% (12-month waiting period may apply) |
| Orthodontics | N/A | N/A | N/A | N/A | N/A |
| Source: 2026 FMO Brochure. Open FMO Brochure — CT → | |||||
"Extras" mean more smiles, value, and benefits — not more money
Enhanced benefits, such as additional cleanings, examinations, and/or consultations, for children and adults with qualifying special health care conditions.
Delta Dental Virtual Visits, delivered by TeleDentistry.com, provide round-the-clock, year-round access to a dentist for emergencies, holidays, after-hours dental care, and travel.
Access to savings on hearing aids and services through Amplifon Hearing Health Care, at no cost to groups or members.
See the difference with DeltaVision
Smarter savings, backed by VSP®
DeltaVision has partnered with VSP® Vision Care to offer the best in eye care, along with smarter savings. VSP's Choice network offers members the freedom to choose from the nation's largest vision network — more than 137,000 access points, including 26,200+ participating retail chain locations like Walmart, Sam's Club, and Costco.
137,000+ - VSP access points nationwide
26,200+ - Participating retail chain locations
100% - VSP doctors NCQA-credentialed
| Plan benefit In-network providers only |
Brillance Plan (IND) | Essential Plan (IND) |
|---|---|---|
| ALLOWANCE | ||
| Frame +20% savings on amounts over allowance |
$200 (includes Walmart/Sam’s Club)7 $110 Costco7 |
$150 (includes Walmart/Sam’s Club)7 $80 Costco7 $10 copay |
| Elective contact lenses (Instead of glasses) |
$200 | $150 |
| COPAY | ||
| WellVision Exam® | $0 | $10 |
| Contact lens exam (Fitting & evaluation) |
$0 | Up to $40 |
| Lenses Single vision, lined bifocal or trifocal, lenticular. Standard progressives, polycarbonate (for children) |
$0 | $10 |
| ADDITIONAL SAVINGS — LENS ENHANCEMENTS6 (COPAY) | ||
| Anti-reflective coating | $41 | $41 |
| Scratch-resistant coating | $0 | Up to $33 |
| Solid & gradient tints | $0 | $15–$17 |
| Standard progressive lenses (multifocal) | $0 | $55 |
| Plan benefit In-network providers only |
Brillance Plan (IND) | Essential Plan (IND) |
|---|---|---|
| ALLOWANCE | ||
| Frame +20% savings on amounts over allowance |
$200 (includes Walmart/Sam’s Club)7 $110 Costco7 |
$150 (includes Walmart/Sam’s Club)7 $80 Costco7 $10 copay |
| Elective contact lenses (Instead of glasses) |
$200 | $150 |
| COPAY | ||
| WellVision Exam® | $0 | $10 |
| Contact lens exam (Fitting & evaluation) |
$0 | Up to $40 |
| Lenses Single vision, lined bifocal or trifocal, lenticular. Standard progressives, polycarbonate (for children) |
$0 | $10 |
| ADDITIONAL SAVINGS — LENS ENHANCEMENTS6 (COPAY) | ||
| Anti-reflective coating | $41 | $41 |
| Scratch-resistant coating | $0 | Up to $33 |
| Solid & gradient tints | $0 | $15–$17 |
| Standard progressive lenses (multifocal) | $0 | $55 |
Frequently asked questions
What are the effective dates a client can select?
When will I start receiving commissions on the Delta Dental of New Jersey or Delta Dental of Connecticut plans that I sell?
What is the new sales and renewal commission for Individual and Family plans?
How do I access my Broker Portal?
Profile: View/update client contact information
Payment Information: View billing history, make a payment, and update payment information
Benefits and Policy: View policy information and terminate a policy
Document Center: Download policy documents
How do I get appointed to sell Delta Dental of New Jersey and Connecticut dental and vision plans?
Where can Individual and Family Plan members view their benefit information?
Check out our FMO FAQ for even more information on commission, the sales process, broker and plan information, and the broker portal.
2 Worry-free guarantee covers broken/damaged glasses or a prescription change within 12 months, or a style change within 100 days. Restrictions may apply; visit https://www.vsp.com/offers/premier-edge-offers/glasses-and-sunglasses/Premier-Edge-Promise for terms and conditions.
4These are not Medicare plans and are not governed by the Centers for Medicare and Medicaid Services (CMS). Delta Dental of New Jersey is independent of the Medicare program and is neither associated with nor endorsed by CMS. Waiting periods will be waived if you were covered under another comprehensive plan for at least 12 months within two months of the plan’s effective date, and you may be asked to supply proof of previous coverage.
5 Your out-of-pocket costs are likely to be greater when covered services are provided by a dentist who is not a network dentist. The amount we will pay toward out-of-network services is generally less than for in-network services, because we can limit the fees of network dentists but not non-network dentists.
6 Standard lens enhancements; premium or custom enhancements may also be available at an additional cost.
7 In-network status of the optometrist performing the exam may vary at participating retail chains. Please contact VSP and/or the optometrist at the retail location to verify network participation status before receiving services.
8 From in-network provider within 12 months of last WellVision Exam.
9 Member must first visit a VSP Network Laser Vision doctor. This is a VSP provider who works with contracted centers or surgeons in member’s area (not all VSP providers are Laser Vision doctors). After that, member would be referred to a VSP-contracted laser vision center or surgeon.
Log in to vsp.com to check your benefits for eligibility and to confirm in-network locations based on your plan type. VSP guarantees coverage from VSP network providers only. Coverage information is subject to change.
Monthly premiums may be different based on plan choice, age, location, number of people insured, their age and relationship to you. Plan designs and rates are subject to change. Waiting periods on plans may be waived when transferring from another qualifying dental plan.
Limitations and Conditions: Plan benefits are subject to certain limitations and conditions and have a policy-year maximum. Coverage on Premium, Enhanced and Progressive plans may have a deductible. Benefit payments are calculated based on Delta Dental PPO fees. If the dentist is not a Delta Dental PPO dentist, the patient is responsible for the difference between the Delta Dental PPO fee and the Maximum Plan Allowance (MPA). Members can see any dentist, but savings will be greatest when seeing a Delta Dental PPO dentist. The Clear Plan does not cover services received from non-network dentists.
On Vision policies, certain services are provided through Vision Service Plan (VSP). Delta Dental and DeltaVision are registered marks of Delta Dental Plans Association. VSP and WellVision Exam are registered trademarks of Vision Service Plan. DeltaVision® insurance plans are underwritten by Delta Dental of Connecticut, Inc. VSP, Inc., performs claims processing, customer service and provider network administration for DeltaVision® products.
Delta Dental of New Jersey complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability or sex. Delta Dental of Connecticut, Inc., is a licensed insurer in Connecticut that markets and sells dental and vision coverage on an insured basis in that state and is licensed in New Jersey to market and sell vision coverage. Its ultimate parent company, Delta Dental of New Jersey, Inc., is a licensed dental service corporation in the State of New Jersey.
