Explore Medical, Dental and Vision Options

Delta offers three medical plan options for active employees, which all provide comprehensive coverage, including 100% coverage for in-network preventive care. You also have a choice of dental and vision options.

While some costs are increasing, Delta continues to cover the majority of the cost of coverage and remains committed to protecting you and your loved ones from the rising cost of healthcare as much as possible.

Copay Option	Gold HSA	Silver HSA
No additional cost for in-network preventive healthcare
Good if you want more predictable costs, have a high number of prescriptions or visit a specialist frequently Copays for common services; $0 copays for telehealth, primary care and therapist visits Coinsurance for specialty medications on the PrudentRx list are 30%; however, if you enroll in PrudentRx and sign up for available manufacturer copay assist programs, you may be eligible to pay $0 out-of-pocket. A PrudentRx Advocate will contact eligible members.	Good if you expect moderate healthcare needs and want the tax benefits of an HSA	Good if you expect minimal healthcare needs or have an available HSA balance Higher annual deductible
	Health Savings Account (HSA): The IRS also has increased the HSA contribution limit for 2024 to enable HSA participants to set aside more pre‑tax dollars to cover eligible medical expenses. New contribution limits for 2024 are $4,150 for individuals and $8,300 for those covering at least one tax dependent. Individuals who are at least age 55 or older can continue to save an additional $1,000 in catch-up contributions. Open enrollment is your opportunity to increase or modify your HSA contributions. You can also change your HSA contribution any time during the year. Delta Health Rewards (DHR): Those currently enrolled in an HSA option have until Dec. 31, 2023, to earn DHR for 2024.* DHR health actions and funding will remain the same for 2024 (up to $850, or $1,300 for employee + child(ren) and $250 in child funding).

You must be enrolled in an HSA option at the time of the DHR deposit to receive the reward.

If you are eligible for other medical options based on your job or work location, those benefits are highlighted on the OE HQ.

Don’t forget: If you are currently enrolled in a Delta medical plan option, you can earn up to $100 in Delta Wellness Rewards (DWR) by completing healthy activities by Dec. 31, 2023. Employees not enrolled in a Delta medical plan option can earn up to $500 in DWR.

Dental

You have two dental options to choose from in 2024: Basic and Comprehensive. There are no changes to dental benefits or rates for the Basic and Comprehensive options for 2024.

The Basic option

Preventive care paid at 100%
Basic care paid at 70%
No deductible
$600 in annual benefits per person

The Comprehensive option

Preventive care paid at 100%
Basic care paid at 70% and major care paid at 50% after deductible ($60 per person/$240 per family)
$2,000 in annual benefits per person
Orthodontia up to $3,000 lifetime max per person

Vision

Vision coverage, administered by EyeMed, continues to be available with no changes to benefits or rates for 2024. Vision benefits cover annual eye exams, corrective lenses or contacts, and discounts such as:

An annual exam for only $10 from in-network providers
Benefits for frames and contacts
Discounts on extra eyeglasses and optional services.

Use EyeMed benefits for in-network services and supplies at retail and online eyewear stores, including LensCrafters^®, Target Optical^® and ContactsDirect.

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Check out these helpful resources to learn more about your 2024 options: