Plan Information

Why Choose Delta Dental?

Delta Dental advantages
  • A choice of three great plans—Standard, Enhanced or Comprehensive
  • Affordable monthly premiums and low out-of-pocket costs
  • A large, nationwide network of quality dentists

We Proudly Offer Quality Dental Care for Veterans

As administrator of the Veterans Affairs Dental Insurance Program (VADIP), it is our goal to provide high-value dental benefits and services for your needs. Delta Dental’s VADIP offers eligible Veterans and Civilian Health and Medical Program (CHAMPVA) beneficiaries a choice of three plans – Standard, Enhanced or Comprehensive – with single- or multiple-member coverage options. Covered services are offered in all 50 states, the District of Columbia, Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa, and the Commonwealth of the Northern Mariana Islands.

Delta Dental Veterans Affairs Dental Insurance Program Video

Compare Your Plan Options—Standard, Enhanced, or Comprehensive

Delta Dental offers three VADIP plans. In addition to your monthly premiums, your out-of-pocket expenses include the applicable deductible and your share of the cost (often called “coinsurance”) for the covered services listed below.

Plan Summary and Comparison
Plan Summary of Benefits Network Percentage
Service Category Standard Enhanced Comprehensive
In Network Out of Network In Network Out of Network In Network Out of Network
Year 1+ Year 1 Year 2+ Year 1 Year 2+ Year 1 Year 2+ Year 1 Year 2+
Diagnostic1 100% 80% 100% 100% 80% 80% 100% 100% 80% 80%
Preventive1 100% 80% 100% 100% 80% 80% 100% 100% 80% 80%
Basic Restorative 50% 30% 50% 50% 30% 30% 60% 60% 40% 40%
Major Restorative2 NAB NAB NAB NAB NAB NAB NAB 50% NAB 30%
Endodontics2 NAB NAB NAB 50% NAB 30% NAB 50% NAB 30%
Periodontics2 NAB NAB NAB 50% NAB 30% NAB 50% NAB 30%
Oral Surgery2, 3 50% 30% 50% 50% 30% 30% 50%3 50% 30% 30%
Prosthodontics2 NAB NAB NAB NAB NAB NAB NAB 50% NAB 30%
General Services NAB NAB NAB NAB NAB NAB 50% 50% 30% 30%
Orthodontics NAB NAB NAB NAB NAB NAB NAB NAB NAB NAB
Deductible $50 $50 $501 $501 $501 $501 $0 $0 $501 $501
Annual Maximum $500 $500 $1,000 $1,000 $1,000 $1,000 $1,500 $1,500 $1,500 $1,500

NAB = Not a Benefit

1The deductible is waived for diagnostic and preventive services; under the Enhanced plan. Under the Comprehensive plan the deductible is waived for diagnostic and preventive services provided out-of-network, and there is no deductible for any services provided in-network.

2Enhanced Plan: The waiting period is twelve (12) months for endodontics and periodontics. Comprehensive Plan: The waiting period is 12 months for major restorative, endodontics, periodontics, oral surgery,3 and prosthodontics.

3Simple extractions (procedure codes D7111 and D7140) are the only oral surgery services covered under the Standard and Enhanced plan, and the only services covered in the first 12 months under the Comprehensive plan.

This is a brief description of services covered under the Veterans Affairs Dental Insurance Program. Do Not rely on this chart alone. All benefits are subject to the definitions, limitations and exclusions set forth in the dental benefits booklet.

Monthly Premium Rates

Use our rate calculator to find your monthly premium rate, which varies depending on the plan option you choose, where you live, and the number of eligible members who enroll. An initial one-month premium pre-payment is due at time of enrollment to make sure you’ll be able receive benefits the first day your coverage becomes effective. At the time you enroll, you must also set up an electronic funds transfer (EFT) of funds from your bank account to pay your ongoing monthly premiums. Premium rates change annually.

Save Money with a Network Dentist

Delta Dental offers a large, nationwide network of quality dentists for VADIP enrollees. By using a Delta Dental VADIP network dentist, you’ll save the most on your out-of-pocket costs. Network dentists accept reduced fees for covered services, prepare and submit all your dental claims paperwork, and accept payment directly from Delta Dental. Seeing a VADIP network dentist also ensures you won’t have to pay more for your covered services than the program allows. Although you can visit any licensed dentist you choose, your costs are usually lowest when you see a VADIP network dentist.

Eligibility and Enrollment

Eligible beneficiaries include any veteran enrolled in VA health care and any individual enrolled in VA’s Civilian Health and Medical Program (CHAMPVA). Dependents who do not qualify as a CHAMPVA beneficiary are not eligible.

  • To enroll in VA health care or for VADIP eligibility questions, visit the Veterans Affairs website or call 877-222-VETS (8387).
  • To learn about CHAMPVA, visit the CHAMPVA website or call 800-733-VETS (8387).

It’s easy to enroll in VADIP online. You can also enroll by completing a paper enrollment application and mailing it to Delta Dental with your initial one-month premium payment. Once you’re enrolled, you’ll receive a “welcome” letter with program information and links to your benefits booklet and enrollment cards. You don’t need an enrollment card to receive dental care. However, if you prefer to have a card, once you’re enrolled and registered, you can view and print your card through the Consumer Toolkit.

Enrollment in VADIP is voluntary, and each enrolled beneficiary must fulfill an initial enrollment period of 12 consecutive months. After the initial 12-month period, you can continue enrollment on a month-to-month basis as long as you remain eligible for coverage. There is a grace period of 30 days from your coverage effective date during which you may cancel your enrollment without any further obligation, as long as you haven’t used any program services. Otherwise, you must remain enrolled for the duration of the initial 12-month period.

Set Up Electronic Funds Transfer (EFT) for Your Monthly Payments

In addition to your initial one-month premium payment made at the time of enrollment, you must also set up payment of your subsequent ongoing monthly premium payments. To do this, simply complete an Authorization for EFT from. You can mail the form to Delta Dental, or once you’ve enrolled, register and log in to Consumer Toolkit and complete the form online.

Have Questions?

Get answers to frequently asked questions (FAQs).

Monthly Premium Rates

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Rate Calculator

Find a Network Dentist

Choose a Delta Dental VADIP network dentist for your care.

Dentist Directory

Oral Health

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Our SmileWay Wellness program has information about oral health to help create added value to your dental insurance.

Check out our wellness site.