Healthy teeth and gums are important to your overall wellness. Capital One offers coverage through Delta Dental to help you maintain your smile through regular preventive care and treatment for any dental problems that may arise.

2024 dental plans

You have two dental plan options. You can enroll in the dental plan of your choice as a new hire, during Open Enrollment, or if you have a qualifying life event. To see your contributions and enroll, log in to the Benefits Application in Workday (make a change to your existing benefits or click here if you are enrolling in Capital One benefits for the first time).

Basic Plan

A lower-cost dental plan that provides coverage for preventive care, basic, and major services. The plan has a lower maximum of what it will pay per member each year and no orthodontia or occlusal guard coverage.

Enhanced Plan

A dental plan with no deductible and higher benefits, including coverage for basic and major services and orthodontia.

Key features at a glance

Both of our dental plans provide:

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  • Fully covered in-network preventive and diagnostic care

    to help you maintain your oral health at no cost.

  • Coverage for basic services

    that helps pay the cost of things like fillings, root canals, periodontal therapy, and oral surgery.

  • Flexibility

    to receive care from any licensed dental provider.

  • Wide network of providers

    that have agreed to negotiated discount costs, which helps you save money.

Find a network dentist

You may choose to see any in- or out-of-network provider you’d like, but you’ll generally save both money and time when you use an in-network or participating dentist. That’s because network dentists will not bill you for any balance above the negotiated rate, and they’ll file the claims for you.

Choosing a dentist in the Delta Dental PPO network will ensure you receive the highest level of benefits. Learn more about how Delta Dental determines its payment amount for services provided by participating and non-participating dentists. Visit to find an in-network provider near you.

Coverage details

Here’s a summary of how the plans compare:

Benefits and Covered Services Basic Plan Enhanced Plan
Annual deductibleNoneNone
Annual maximum benefit$1,000/person$2,000/person
  • Two routine exams and cleanings each year
  • One set of bitewing X-rays a year; one full set of X-rays every 36 months
  • Sealants for dependents under age 16
  • Space maintainers for dependents under age 14
  • Denture relines starting six months after installation
You pay nothing, plan pays 100%You pay nothing, plan pays 100%
  • Fillings, root canals, periodontal therapy
  • Oral surgery (simple and surgical extractions, impactions, and other oral surgical procedures)
You pay 20%, plan pays 80% (subject to the annual maximum benefit) You pay 20%, plan pays 80% (subject to the annual maximum benefit)
  • Bridges, crowns and dentures
  • Dental implants
You pay 50%, plan pays 50%, subject to the annual maximumYou pay 50%, plan pays 50%, subject to the annual maximum
Orthodontia for covered children and adults**
  • Braces
  • Mouth guards
  • Temporomandibular joint (TMJ) disorders
Not coveredYou pay 50%, plan pays 50% (up to the lifetime orthodontia benefit of $2,500/person)

* Balance billing may apply if you see a non-participating provider even for diagnostic and preventive services.
**You must be enrolled in the Enhanced Plan for the entire course of treatment to get the full benefits. At-home orthodontia treatment is not covered.

Use your dental benefits wisely

Here’s how to make the most of your dental benefits:

  • Choose a network provider.

    Each time you need dental care, you have a choice of providers. Selecting a Delta Dental participating dentist will ensure you receive the highest benefits from your plan. Balance billing may apply if you see a non-participating provider even for diagnostic and preventive services. To find a provider, go to Delta Dental.

  • Present your plan identification.

    Give your provider's office the information they need to bill your insurance. The group number is 700256.

  • Request pre-determination of benefits.

    To avoid surprises, ask your dentist to request pre-determination of benefits if you need dental care that is expected to cost $250 or more (procedures such as crowns, inlays, bridges, and periodontics). This step is not required, but it can let you know in advance how much your dental plan will pay for the recommended care ― and how much you will have to pay out of your pocket. For more information, review the Dental Predetermination of Benefits form, call Delta Dental at 1-844-344-8006 or visit Delta Dental.

  • Check your claim status.

    You can review Explanation of Benefits (EOB) statements, check if claims have been paid, and more on Delta Dental.

Healthy Smile, Healthy You program®

Healthy Smile, Healthy You® offers additional benefits for four important health conditions connected to oral health: pregnancy, diabetes, certain high-risk cardiac conditions, kidney failure/dialysis, weakened immune system, and cancer being treated via radiation and/or chemotherapy. To enroll, complete the Healthy Smile, Healthy You® enrollment form. You can also learn more on

Note: If Anthem has your health condition on record, you may already be enrolled in the program. Please visit or call 1-844-344-8006 to confirm.

Right Start 4 Kids program®

Did you know that cavities are the most chronic childhood disease? Cavities are five times more common than asthma. Children with pain from tooth decay may miss more school and have lower grades than their peers, not to mention the lost work hours for parents. But cavities are nearly 100% preventable, and it’s easy to protect your child’s oral health and ensure better overall health.

Right Start 4 Kids® from Delta Dental is a benefit that helps remove cost barriers to dental care for children up to age 13. This program provides 100% coverage for diagnostic and preventive and basic and major services, with no deductible, when you visit an in-network dentist.* Coinsurance levels apply when visiting an out-of-network dentist.** Want to learn more about your child’s oral health and why it’s so important to take care of it? Visit for more oral health and wellness resources.

*Right Start 4 Kids is subject to limitations, exclusions and annual maximum.
Check your plan details for specific coverage.
**Orthodontic services are not eligible for the 100% coverage level.