Costco used to offer dental insurance plans through Delta Dental, but this program ended on April 29, 2022.
Costco members who live in certain states could choose between a dental discount plan and dental HMO plans.
The dental discount plan offered lower prices for dental services from a network of dentists, while the dental HMO plans covered preventive and basic care with fixed copayments.
Some Costco members reported that the dental insurance plans were not a good value compared to other options, and that they faced issues with availability, quality, and customer service of the dentists in the network.
However, others said that they were satisfied with the coverage and savings they got from Costco’s dental plans.
Ultimately, the value of buying private dental insurance through Costco may depend on your personal needs, preferences, budget, and location.
Costco Dental Insurance Cost
The cost of Costco dental insurance may vary depending on the type of plan, the state of residence, and the membership status.
Costco offered a dental discount plan for $8 per month, and dental HMO plans for $242 to $258 annually for a family of four in California.
However, these plans are no longer available as Costco discontinued its dental insurance program in April 2022.
Costco employees may still have access to dental insurance through their employer, which includes a $50 deductible and coinsurance for basic and major services.
What Does Costco Dental Insurance Cover?
The coverage of Costco dental insurance may vary depending on the type of plan, the state of residence, and the membership status.
Costco offered two types of dental plans: a dental discount plan and a dental HMO plan.
The dental discount plan provided lower prices for dental services from a network of dentists but did not cover any costs.
The dental HMO plans covered preventive and basic care with fixed copayments, and required referrals for specialty care.
Some of the services that were covered by the dental HMO plans included oral exams, cleanings, x-rays, fillings, extractions, root canals, crowns, bridges, dentures, and implants.
Is there a waiting period before one can use the dental insurance coverage obtained through Costco?
Costco dental insurance did not have a waiting period for its plans. Costco partnered with DeltaCare Dental Insurance to offer a dental discount plan and dental HMO plans that claimed to provide access to care benefits on the same day of signing up for a plan.
Can I Cancel DeltaCare USA?
DeltaCare USA is a dental HMO plan that requires you to choose a primary care dentist from the DeltaCare USA network and get referrals for specialty care.
You can cancel your DeltaCare USA plan by contacting Delta Dental and following their cancellation process.
However, you may be subject to certain terms and conditions depending on your state of residence, your enrollment period, and your reason for cancellation.
You may also have to pay a cancellation fee or forfeit any prepaid premiums.
Therefore, it is advisable to read your plan booklet or policy carefully before deciding to cancel your DeltaCare USA plan.
Alternatively, you can change your DeltaCare USA dentist at any time without any fees or penalties.
Is DeltaCare USA the Same as Delta Dental?
No, DeltaCare USA is not the same as Delta Dental. Delta
Delta Dental comprises enterprises offering dental coverage across various states and regions.
DeltaCare USA, a product by Delta Dental Insurance Company, serves 15 states and the District of Columbia.
DeltaCare USA is a dental HMO plan that requires you to choose a primary care dentist from the DeltaCare USA network and get referrals for specialty care.
Delta Dental also offers other types of dental plans, such as PPO plans, that allow you to visit any licensed dentist and do not require referrals.
