What is costco dental insurance

Costco is well-known for its wholesale retail stores, but many people might be surprised to learn that Costco also offers dental insurance. This insurance is part of a broader suite of healthcare-related services available to Costco members.

Costco’s dental insurance plans are designed to provide comprehensive coverage at competitive prices, making dental care more accessible and affordable. In this article, we’ll explore the details of Costco dental insurance, its benefits, coverage options, and how to sign up.

What is Costco Dental Insurance?

Costco dental insurance is provided through a partnership with Delta Dental, one of the largest and most reputable dental insurance providers in the United States. The plans available through Costco are designed to offer substantial savings on a wide range of dental services, from routine cleanings to more complex procedures.

Benefits of Costco Dental Insurance

Affordable Premiums: One of the significant benefits of Costco dental insurance is its affordability. Costco leverages its buying power to negotiate lower rates for its members, resulting in more cost-effective premiums compared to many other dental insurance plans.

Comprehensive Coverage: The plans typically cover a broad spectrum of dental services, including preventive care (such as cleanings and exams), basic procedures (like fillings and extractions), and major services (such as crowns and root canals). Some plans may also offer orthodontic coverage.

Large Network of Providers: Delta Dental has an extensive network of dentists and specialists, ensuring that members can find a participating provider conveniently located near them. This network is crucial for minimizing out-of-pocket expenses, as services rendered by in-network dentists are generally covered at a higher rate.

Preventive Care Focus: Preventive care is emphasized, often covered at 100%. This focus on prevention helps members maintain better oral health and can reduce the need for more costly treatments down the line.

Member Services: Costco members benefit from robust customer service support, including assistance with finding providers, understanding benefits, and managing claims.

Coverage Options

Costco offers several dental insurance plans through Delta Dental, each with varying levels of coverage and cost. The specific plans available may vary by region, but they generally fall into the following categories:

DeltaCare® USA: This is a prepaid dental plan where members select a primary care dentist from the DeltaCare network. It offers fixed copayments for covered procedures, no deductibles, and no annual maximums. This plan is ideal for those who want predictable costs and comprehensive coverage.

PPO Plans: Preferred Provider Organization (PPO) plans offer more flexibility in choosing a dentist. Members can see any licensed dentist, but will save more when visiting a Delta Dental PPO network dentist. These plans typically have an annual deductible and a maximum benefit amount.

Delta Dental PPO Plus Premier: This plan provides the most flexibility, combining the advantages of the PPO network with the larger Delta Dental Premier network. Members benefit from a broader choice of dentists and lower out-of-pocket costs when using network providers.

How to Sign Up

Signing up for Costco dental insurance is straightforward. Here are the steps:

Costco Membership: To be eligible for the dental insurance plans, you must be a Costco member. Membership can be purchased online or at any Costco warehouse.

Review Plans: Visit the Costco insurance website or contact their customer service to review the available dental insurance plans. Compare the coverage options, premiums, and out-of-pocket costs to determine which plan best meets your needs.

Enroll Online or By Phone: Enrollment can be completed online through the Costco insurance website or by calling the provided customer service number. During the enrollment process, you will provide personal information, select your preferred plan, and choose any optional coverages.

Receive Plan Documents: Once enrolled, you will receive your plan documents, which outline the specific benefits, coverage details, and a list of participating providers. Be sure to review these documents carefully to understand your benefits fully.

Utilize Benefits: Start using your dental insurance benefits by scheduling an appointment with a participating dentist. Make sure to inform the dentist’s office that you are a Delta Dental member through Costco.


Costco dental insurance is a valuable benefit for members, offering comprehensive dental coverage at competitive rates. With plans administered by Delta Dental, members have access to a large network of providers and a wide range of covered services. Whether you need routine preventive care or more extensive dental work, Costco dental insurance can help you manage your oral health expenses effectively. By leveraging the benefits of Costco dental insurance, members can maintain their dental health without breaking the bank.

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