Retiree Dental Benefits
Dental benefits for state retirees: Open Enrollment September 14–October 9, 2026 (coverage effective January 1, 2027)
Starting January 1, 2027, retirees will have more dental choices to help you live well. Eight plan options will provide more ways to find affordable care, keep the dentist you trust and get the treatments your family needs. Review plan options and enroll during Open Enrollment, September 14 – October 9, 2026, for coverage effective January 1, 2027.
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At a glance
- Active state retirees and their eligible dependents may be eligible to enroll in state-sponsored dental insurance.
- Open Enrollment is September 14 – October 9, 2026. Coverage for plans selected during Open Enrollment begins January 1, 2027.
New for 2027
Plan options overview
Beginning January 1, 2027, six dental plan options will be available across two carriers: four PPO plans (Delta Dental and MetLife) and two prepaid DHMO plans (Delta Dental and MetLife).
- Expanded choice: The number of PPO options has doubled with the addition of MetLife, giving more plan choices and more opportunities to match coverage to your needs.
- Better access: Additional provider networks and more in-network options increase the chances of keeping your dentist and lowering out-of-pocket costs.
- Enhanced benefits: Several plans include improved benefits (like enhanced implant coverage and advanced imaging) to support comprehensive care.
- More plan choices mean more options to match coverage to your budget and care needs so you and your family can focus on health, not worry about cost.
Plans ending December 31, 2026 – What to do
- DHMO (prepaid) plans administered by Western Dental, Premier Access and MetLife Enhanced DHMO end December 31, 2026. Current coverage under these plans remains active through December 31, 2026.
- During Open Enrollment (September 14 – October 9, 2026), choose a 2027 plan. If you do not choose a plan by October 9, 2026:
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- Retirees currently in a DHMO (prepaid) plan will be auto-enrolled into MetLife Select DHMO.
- Retirees currently in a Dental Dental PPO plan will continue their enrollment (see new plan names below).
Which plan is right for me?
|
2027 Delta Dental Plans |
2027 MetLife Plans |
Good fit if you… |
|
DeltaCare USA DHMO |
Select DHMO |
Want lower predictable costs, mostly need routine care, are comfortable using network dentists only and don’t need out-of-state coverage |
|
PPO Standard (Formerly “PPO Basic”) |
PPO Access |
Mostly need preventive care like exams and cleanings, don’t expect major dental work and want a lower payroll deduction |
|
PPO Essential* (Formerly “PPO plus Premier”) |
PPO Core |
Want a balance between monthly cost and coverage, expect occasional dental work like fillings or crowns and want lower out-of-pocket costs than entry-level PPO plans |
DHMO (Prepaid) quick facts
- Must use an in-network dentist listed by the plan (DHMO networks are California-based).
- Typically lower monthly premiums and more predictable costs.
- Good fit if you want lower monthly premiums and are comfortable using a network dentist.
PPO (Preferred Provider) quick facts
- In-network dentists provide the best savings; out-of-network care is available at higher cost.
- Balances flexibility and cost.
- Good fit if you want the option to see other dentists while saving in-network.
*Indemnity quick facts
- No network required; you can see any dentist. However, you will save more if you see a PPO dentist.
- Offers maximum flexibility but often higher out-of-pocket costs for non-network care.
- Good fit if you travel frequently or need to keep an out-of-network dentist.
How to enroll
Step 1: Review plans & networks
Compare benefits, costs and provider networks. Confirm whether your dentist is in the plan’s network before you enroll.
Step 2: Enroll during Open Enrollment
Open Enrollment runs September 14 – October 9, 2026. Retiree enrollment and enrollment records are processed by CalPERS. Enroll or make changes through the MyCalPERS system or follow instructions in the Retiree Open Enrollment Resources.
You can also make changes during a permitting event such as (for example: marriage, divorce, birth of a child, etc.). Contact CalPERS to confirm whether your event qualifies.
Step 3: Use your benefits in 2027
Keep your enrollment confirmation from CalPERS. Coverage for plans selected during Open Enrollment becomes effective January 1, 2027. Choose a dentist and schedule your twice-yearly dental cleanings.
If you do not enroll by October 9, 2026:
- Delta Dental PPO enrollees will continue their enrollment for 2027 (see new plan names).
- DHMO enrollees will be auto-enrolled into MetLife Select DHMO.
Eligibility and effective dates
Who may enroll
Retirees and their eligible dependents may enroll in retiree dental coverage as administered by CalPERS. Dependent children age 25 and under are eligible for coverage under the Retiree Dental and Vision Programs.
Permitting events
Changes outside Open Enrollment require a qualifying permitting event. CalPERS determines whether a permitting event qualifies.
Coverage effective dates
Coverage selected during Open Enrollment is effective January 1, 2027. For questions about effective dates tied to qualifying events, contact CalPERS.
Costs and premiums
Where to find premiums
Employer contribution varies by plan and number of dependents. Premium tables and plan booklets are posted in the Virtual Library Retiree Bookshelf. Premiums for 2026 are posted for reference; final 2027 rates will be posted once available.
Retiree premiums are often deducted from the retirement warrant; check the Retiree Dental Handbook for specifics.
General Frequently Asked Questions
Can I change my dental plan at any time?
No, you must have a permitting event to make changes to your dental enrollment outside of Open Enrollment. CalPERS can determine if you have a qualifying permitting event.
Can I cancel my dental benefits?
Yes, you may cancel at any time. However, you cannot re-enroll back into a dental plan until the next Open Enrollment unless you have a permitting event.
My spouse and I are both retired state employees. Can we cover each other on our state-sponsored dental plans?
No, dual coverage is never allowed under any circumstances. If this is happening, both of you must immediately notify CalPERS.
My dependent child is going to turn 26 years old. Do I have to delete them from my dental benefits?
Yes. This is a mandatory deletion. The only exception is if the dependent is incapable of self-support because of disability and dependent upon the eligible employee or annuitant for support and care. A disability certification (CalPERS HBD 34) is required to ensure disabled dependent children remain covered. CalPERS must be informed prior to your dependent turning 26.
How do I delete my child once they turn 26 years old?
It is your responsibility to inform CalPERS of changes with your dependents. CalPERS can assist you in removing ineligible dependents from your dental plan.
As a CalPERS retiree, am I eligible for any of the California state-sponsored dental plans?
Only retired state employees are eligible for the state-sponsored dental plans. If you have questions about eligibility, please contact CalPERS.
Can a surviving spouse add other dependents during open enrollment?
Yes, but only if the dependents had a relationship to the deceased retiree prior to the retiree’s death.
What happens if I have insufficient funds in my retirement warrant to pay my share of the premium?
You may request, in writing, to pay the balance directly to CalPERS. For more information on this process, contact CalPERS at (888) 225-7377 / TTY (877) 249-7442.
Once I’ve selected a dental plan, may I change dental plans if my dentist cancels their contract with the dental carrier?
No. You may not change dental plans outside the annual open enrollment period unless you are unable to find a dentist under that dental plan. For example, if you move to an area where your dental plan is more than 50 miles from your residence, you may enroll in another plan. If you have any questions, contact CalPERS.
What should I do if I have a problem or complaint regarding my dental plan or dentist?
Many problems can be resolved by contacting your dental plan’s customer service department. You should also refer to the complaint procedure outlined in your dental plan evidence of coverage booklet, which is available from your dental carrier.
What should I do if the payroll deduction for my dental plan is incorrect or does not show on my warrant stub?
When you enroll in a state-sponsored dental plan or change coverage, it is important to carefully check your retirement warrant to verify that the premium is being paid to the correct dental plan. If the deduction is incorrect or has not started by the effective date, report the discrepancy to CalPERS Member Account Management Division at (888) 225-7377 / TTY (877) 249-7442.
Prepaid Plans
If I enroll in a prepaid dental plan, will I receive an identification card?
Yes. Shortly after your eligibility is established by your dental plan and you have selected a dentist, you will receive an identification card. The card is a reminder of which dental office you selected. Please confirm the address and telephone number of your selected dental provider with your dental plan carrier.
What if there are no participating dentists in my service area for any of the prepaid plans?
If you are unable to locate a participating provider within 50 miles of your residence, contact the plan’s customer service for assistance. If it is determined that there are no prepaid providers in your service area, contact CalPERS for further assistance.
What happens if I am enrolled in a prepaid plan and move out of California?
The state-sponsored prepaid plans are only offered in California. Before you move out of the state, contact CalPERS to change your dental plan. Be sure to inform them of your moving date.
May I choose any dentist I want if I enroll in a prepaid plan?
No. The dentists available through each prepaid plan have contracted with that plan to provide services to its enrollees. Your dentist choice is restricted to dentists who have contracted with your plan. Contact the dental plan directly to obtain a list of its participating dentists or to verify whether a particular dental provider is on the plan’s list.
Once I have selected a prepaid dentist and/or dental office, do I have to remain there?
No. If for any reason you feel you need to change your dentist or dental office, simply contact your dental plan. The customer service representative will assist you in locating another dentist from the plan’s list of participating dentists.
What happens if my dentist decides to no longer participate in my prepaid plan?
Your dental plan will notify you if your dentist stops participating in the plan. You will be provided with the name of a new dentist or given the opportunity to select another participating dentist within 50 miles of your residence. If you are unable to locate another participating dentist in your area, contact CalPERS.
Do I have to pay monthly premiums for my dependents or myself if I enroll in a prepaid plan?
No. The State of California pays 100 percent of the monthly premium for you and your dependents enrolled in a prepaid plan.
Do I have to pay an annual deductible if I am enrolled in a prepaid plan?
No. There is no annual deductible.
What cost share can I expect to pay if I enroll in a prepaid plan?
Depending on the type of dental service performed, you could be charged a co-payment. Co-payments are payable at the time the service is rendered. For a listing of covered dental services and applicable co-payments, please visit the Virtual Library and navigate to the “Retiree Bookshelf.”
What actions should I take in an emergency if I am enrolled in a prepaid plan?
Contact your dentist or dental office. If the emergency occurs after normal business hours, you are advised that there is no plan provider available, or you are more than 50 miles from your selected plan provider, you may receive treatment for the relief of pain from any non-plan provider. You must call your dental plan before obtaining out-of-area emergency care. Your plan will reimburse up to $400 per enrolled member per calendar year for emergency services.
How do I access specialist services?
The prepaid plans offer services in most dental specialties, including periodontics (treatment of diseased gums and bones), endodontics (root canal therapy), and oral surgery procedures. If your dental provider refers you to a specialist, the referral must be approved by the prepaid dental plan.
Do my dependents have the same level of benefits that I do in my prepaid plan?
Yes, your dependents have the same level of benefits as you do.
If I am not currently enrolled in a prepaid plan, what things should I consider before I decide to change dental plans?
Is it important to you to maintain your current dentist?
If your answer is no, enrolling in a prepaid plan and selecting one of its participating dental providers may be a good choice for you.
Is the location of your dentist an issue for transportation purposes?
If your answer is yes, you may want to review the list of participating dental providers for each prepaid plan. You may find a provider within easy access by car or public transportation.
Are your out-of-pocket dental costs a significant financial consideration?
If your answer is yes, you should know that the prepaid plans have no monthly premium cost share or annual deductible and most services are provided at little or no cost to you.
Do you live outside of California?
If your answer is yes, you need to be aware that the prepaid plans are only available in California.
How can I find out more about the state-sponsored prepaid dental plans?
Before changing plans, it is recommended that you request a copy of the plan brochure and a list of participating dental providers for any plans you are considering. Review this information and select a dentist from the provider list prior to changing plans. For more information or to obtain a list of each plan’s member dentists, please call or visit the websites listed below:
Prepaid Dental Plans
DeltaCare USA
P.O. Box 1803
Alpharetta, GA 30023
(800) 422-4234
www.deltadentalins.com/state/
Premier Access
8890 Cal Center Drive
Sacramento, CA 95826
(888) 534-3466
www.socdhmo.com
MetLife*
P.O. Box 14410
Lexington, KY 40512-4401
(800) 880-1800
www.metlife.com/safeguard/soc/
Western Dental
530 South Main Street, 1st Floor
Orange, CA 92868
(866) 859-7525
www.westerndental.com/state-of-ca
*Benefits provided by SafeGuard Health Plans, Inc., a MetLife company.
Delta Dental Plans
Delta Dental
P.O. Box 997330
Sacramento, CA 95899-7330
(800) 225-3368
If you decide to change dental plans, be aware that the prepaid plans provide less flexibility and you are required to choose your dentist from a list of participating dentists. However, the prepaid plans provide benefits at a lower cost to you.
Indemnity Plan
What is my Delta Dental PPO plus Premier Group Number?
Your Delta Dental PPO plus Premier group number is 9949.
Will I receive an ID card?
Delta Dental will send you an identification card indicating your dental group number. When you or a covered dependent goes to the dentist, you will need to provide this group number (9949) and the Social Security number of the state retiree. The dental office will verify your eligibility and covered benefits directly with Delta Dental.
Do I have to complete a claim form when I go to a Delta Dental dentist?
Although claim forms are required, the forms will be completed for you at no charge if you receive services from a participating Delta Dental dentist. If you receive services from a non-Delta Dental dentist, you may be required to complete the forms yourself or pay a fee to have the dentist’s office complete the forms for you.
How do I obtain an evidence of coverage booklet for the Delta Dental PPO plus Premier plan?
When you enroll in the Delta Dental PPO plus Premier plan, Delta Dental mails you an evidence of coverage booklet with your ID card. CalPERS also may have a small supply of these booklets. If you do not receive your booklet, contact Delta Dental at (800) 225-3368 to request an evidence of coverage booklet for group number 9949. You may also obtain a copy by going to Delta Dental’s website at www.deltadentalins.com/state.
What coverage is provided under the Delta Dental PPO plus Premier Basic plan?
For a summary of the benefits available under the Delta Dental PPO plus Premier plan, please visit the Virtual Library and navigate to the “Retiree Bookshelf.”
For a detailed explanation of the limitations and exclusions of the Delta Dental PPO plus Premier Basic plans, consult the evidence of coverage booklet.
What if my dentist leaves the Delta Dental network?
If your dentist is no longer in the Delta Dental network, you have options. Please read this guide and visit the Delta Dental website for answers to common questions about out-of-network care.
Preferred Provider Plan (PPO)
What is my PPO Group Number?
Your PPO group number is 9946.
Will I receive an ID card?
Delta Dental will send you an identification card indicating your dental group number. When you or a covered dependent goes to the dentist, you will need to provide this group number (9946) and the Social Security number of the state retiree. The dental office will verify your eligibility and covered benefits directly with Delta Dental.
Do I have to complete a claim form when I go to a PPO dentist?
Although claim forms are required, the forms will be completed for you at no charge if you receive services from a participating PPO dentist.
If you receive services from a non-Delta Dental dentist, you may be required to complete the forms yourself or pay a fee to have the dentist’s office complete the forms for you. The dental office should be able to provide you with the claim form or you may contact Delta Dental to have a claim form sent to you.
How do I obtain an evidence of coverage booklet for the PPO plan?
When you enroll in the PPO plan, Delta Dental will mail you an evidence of coverage booklet with your ID card. CalPERS also may have a small supply of these booklets. If you do not receive your booklet, contact Delta Dental at (800) 225-3368 to request an evidence of coverage booklet for group 9946. You may also obtain a copy by going to Delta Dental’s website at www.deltadentalins.com/state.
What is the level of benefits under the PPO plan?
For a summary of the benefits available under the Delta Dental PPO plan, please visit the Virtual Library and navigate to the “Retiree Bookshelf.”
For a detailed explanation of the limitations and exclusions of the Delta Dental PPO plan, consult the evidence of coverage booklet.
What if my dentist leaves the Delta Dental network?
If your dentist is no longer in the Delta Dental network, you have options. Please read this guide and visit the Delta Dental website for answers to common questions about out-of-network care.
Contacts and resources
CalPERS
CalPERS administers retiree dental enrollments and maintains retiree dental records. For eligibility, enrollment, address updates or account questions, use the CalPERS website: https://www.calpers.ca.gov (follow Health Account Management and Retiree Open Enrollment links).
Carrier contact information
DeltaCare USA
(800) 422-4234
www.deltadentalins.com/state
Delta Dental
(800) 225-3368
www1.deltadentalins.com/group-sites/state-retirees.html
MetLife
(Benefits provided by SafeGuard Health Plans, Inc., a MetLife company)
(800) 880-1800
www.metlife.com/safeguard/soc
Premier Access (ending December 31, 2026)
(888) 534-DHMO (888-534-3466)
www.socdhmo.com
Western Dental (ending December 31, 2026)
(866) 859-7525
www.westerndental.com/state-of-ca
Virtual Library
Find information on benefit plan options, including new features, enhancements and costs in the Retiree Bookshelf in the Virtual Library.
COBRA and Continuation Coverage
As a state retiree enrolled in state-sponsored benefits, you should be aware of your COBRA rights in the event that you lose coverage due to a qualifying event. Refer to the Dental Retiree Handbook to learn more.
