2016 Annual Report

Smile PowerTM

Protecting your smile for life

President’s Message

Anthony S. Barth (President and CEO)

Your smile has power. It can set the mood for a conversation, bring people together. It can help you make friends and influence people. Smiling can even boost your own mood.

Delta Dental is dedicated to championing that smile for life.

Quite a few of our clients have been with us for many years — in fact, we still cover the first group that joined us back in 1955. Many enrollees are covered by a Delta Dental plan throughout their lives, from employer to employer.

People are increasingly finding their Delta Dental benefits through less traditional outlets, such as AARP, Costco, our website, a Marketplace exchange or one of our medical partners. These options allow those who don’t have employer-based dental benefits to have coverage throughout their lives. We expect continued success as we increase these offerings because people want value and simplicity from a brand they trust.

We hope this report will bring a smile to your face as we detail how we’ve increased access to care, redefined what it means to be a service organization and strengthened our position in the market.

Tony Barth



We advocated for dental benefits in the national arena and earned an “A” rating for our streamlined operations and tech modernization.

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We delivered extra value with a new tool to estimate costs, a report that identifies risk and a new focus on the customer experience.

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Through old and new partnerships, more people in the community gained access to needed dental care.

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Financial Statement

Our Financial Statement tells the story of a strong and stable organization that continues to grow.

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We contract directly with the dentists in our networks.

Enrollment growth

Steady growth in enrollment means more people have access to needed dental care.

Growth (in millions)

Enrollment growth

Cost management

The Delta Dental Difference® includes savings we achieved for both clients and enrollees. The bulk of the savings is from contracted dentist fees, but also includes identifying non-billable services, duplicate claims submissions and other mechanisms.

Donut chart showing percentage savings

$16.3 billion: Total submitted

$4.6 billion: Savings (28.5% of submitted amount)


Dental services

Affordable Care Act, premium and income taxes, broker fees

Contribution to reserves*

Administrative costs


Premium dollar

Out of every premium dollar, 88 cents pays for dental services.

*Reserves ensure Delta Dental can meet anticipated financial obligations, as well as any unforeseen circumstances, without risk to our customers.


For our commercial clients, Delta Dental PPO continues to be our predominant product, with 16.5 million enrollees. DeltaCare USA, our HMO-type plan, is especially popular on the Marketplace exchanges.


Customer service

Phone calls answered

21.7 million calls answered

Phone calls resolved

98.8% resolved on first call

Claim form

46.4 million claims processed

Claim form

3.9 days average turnaround


As part of our sustainability program, we held webinars for dental offices discussing how to make their businesses more environmentally friendly, and promoting our online capabilities and electronic claims submission in order to reduce their paper use.

  • 6,900 trees saved from customers who went paperless.*

  • Member of the Environmental Protection Agency’s WasteWise and Green Power Partnership Programs

  • Energy Star logo

    75% of our office spaces are ENERGY STAR certified.

*Courtesy of Environmental Paper Network

Surveys and retention




Satisfied with
Delta Dental dentist*



Satisfaction with
Delta Dental*



Enrollee retention

*Represents results from nearly 20,000 surveys




Satisfaction with
Delta Dental*



Ease of doing business with us*



Would recommend
Delta Dental*



Client retention

*Represents results from about 5,750 surveys

About Us

Our enterprise companies comprise one of the nation’s largest dental benefit delivery systems, with 34.7 million enrollees.

Mission Statement:

To advance dental health and access through exceptional dental benefits service, technology and professional support.

Delta Dental-Affiliated Companies

The following companies in our enterprise are members, or affiliates of members, of the Delta Dental Plans Association, a network of 39 Delta Dental companies that together provide dental coverage to 74 million people around the country.

  • Delta Dental Insurance Company (AL, DC, FL, GA, LA, MS, MT, NV, TX and UT)
  • Delta Dental of California
  • Delta Dental of Delaware, Inc.
  • Delta Dental of the District of Columbia
  • Delta Dental of New York, Inc.
  • Delta Dental of Pennsylvania (PA and MD)
  • Delta Dental of West Virginia, Inc.
  • Delta Dental of Puerto Rico (PR and VI)
  • Delta Reinsurance Corporation (Barbados)
  • Alpha Dental of Alabama, Inc.
  • Alpha Dental of Arizona, Inc.
  • Alpha Dental of Nevada, Inc.
  • Alpha Dental of New Mexico, Inc.
  • Alpha Dental of Utah, Inc.
  • Alpha Dental Programs, Inc.

Dentegra Companies

The enterprise companies below are not affiliated with Delta Dental Plans Association. However, the two U.S. insurance companies* are authorized by Delta Dental Plans Association to market and underwrite certain multi-state and national Delta Dental-branded programs.

  • Dentegra Group, Inc.
  • Dentegra Insurance Company*
  • Dentegra Insurance Company of New England*
  • Dentegra Seguros Dentales, S.A. (Mexico)
  • Servicios Dentales Dentegra, S.A. de C.V. (Mexico)

Delta Dental PPO and Delta Dental Premier Operations

Delta Dental Plans Association has granted our enterprise the exclusive right to underwrite fee-for-service, preferred provider/dental provider dental plans under the Delta Dental brand in:

Alabama, California, Delaware, District of Columbia, Florida, Georgia, Louisiana, Maryland, Mississippi, Montana, Nevada, New York, Pennsylvania, Puerto Rico, Texas, U.S. Virgin Islands, Utah, West Virginia.

DeltaCare USA Operations

Delta Dental Plans Association has granted our enterprise the exclusive right to underwrite multi-state DHMO business under the DeltaCare USA brand across the nation.

Delta Dental PPO and Delta Dental Premier Operations

Puerto Rico and the
U.S. Virgin Islands

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