HEALTHCARE
Dental
Regular dental care supports a healthy smile—and overall health. To save money, use a Delta Dental dentist.
Coverage that keeps you smiling
M&T Bank offers a dental PPO plan administered by Delta Dental. For more information, visit Delta Dental.
How the plan works
The Delta Dental PPO helps cover preventive care and other dental services, from routine cleanings to more extensive treatment. You can visit any dentist, but you'll pay less when you use an in-network dentist. For details, review the Delta Dental Booklet.
The table below highlights in-network dental benefits.
| Delta Dental PPO | |
| What You Pay (In-network) | |
| Annual Deductible | Individual: $50 Family: $150 |
| Annual Benefit Maximum | $1,500 per person |
| Covered Services | |
|
Preventive and Diagnostic
|
$0 |
|
Basic
|
20% |
| Major Crowns, inlays, onlays and cast restorations |
50% |
| Orthodontia (available to eligible dependent children up to age 19) |
50%
$1,500 orthodontia lifetime maximum |
Understand the Delta Dental network.
You can visit any licensed dentist, but you'll save money when you choose a Delta Dental network dentist. The Delta Dental PPO network offers the greatest savings, while the Delta Dental Premier network gives you more provider choice while still saving compared with non-participating dentists. Review the Delta Dental Provider Directory to find a participating dentist.
Review 2027 dental premiums
Dental premiums will remain the same for 2027. Review the 2027 healthcare premiums for payroll contribution rates.