Comfort Plus Delta is a dental and vision plan bundled into some Walmart+ memberships

Comfort Plus Delta is a dental and vision benefit program that Walmart+ members in certain states can add to their membership. It covers routine dental care (cleanings, exams, X-rays), some major dental work, and vision services (eye exams, glasses, contact lenses). You do not pay a separate premium beyond your Walmart+ membership cost — the benefit is included as part of the plan Walmart+ offers in your state.

The program is run by Delta Dental and Vision Service Plan (VSP), which are insurance companies that manage the network of dentists and eye doctors you can visit. When you use an in-network provider — a dentist or optometrist who has agreed to work with Delta and VSP — you pay a lower out-of-pocket cost. Out-of-network providers cost more, and you may have to pay upfront and request reimbursement yourself.

Not all Walmart+ members have access to Comfort Plus Delta. Availability depends on which state you live in and which Walmart+ plan tier you choose. You should check your Walmart+ account or contact Walmart member services to see whether Comfort Plus Delta is available to you.

Key Takeaways

  • Comfort Plus Delta covers dental exams, cleanings, X-rays, and some major dental procedures, plus eye exams and eyewear through VSP.
  • The benefit is included in your Walmart+ membership at no extra cost in states where it is offered.
  • You save money by visiting dentists and eye doctors in the Delta and VSP networks rather than out-of-network providers.
  • Coverage limits and copays vary by service — for example, you may have a copay for an exam but higher costs for crowns or root canals.
  • Availability depends on your state and which Walmart+ membership tier you have, so you should confirm your coverage before scheduling an appointment.

What dental services Comfort Plus Delta covers

Comfort Plus Delta divides dental coverage into three categories: preventive, basic, and major. Preventive services — routine exams, cleanings, and X-rays — are usually covered at 100 percent with no copay when you see an in-network dentist. These are the services designed to catch problems early and keep your teeth healthy.

Basic services include fillings, extractions, and some other procedures. These typically have a copay or coinsurance, meaning you pay a percentage of the cost and the plan pays the rest. The exact amount varies depending on your specific plan, so you should ask your dentist's office what your copay will be before the procedure.

Major services — crowns, bridges, root canals, and dentures — usually have higher copays or coinsurance. Many dental plans also set an annual maximum benefit, which is the most the plan will pay in a calendar year. Once you reach that maximum, you pay 100 percent of any remaining dental costs for that year. Ask your dentist or call Delta Dental to find out what your annual maximum is.

What vision services Comfort Plus Delta covers

The vision portion of Comfort Plus Delta is managed by VSP and covers eye exams, glasses, and contact lenses. An in-network eye exam typically has a small copay (often $10 to $25), and the plan covers the cost of the exam itself. You should schedule your exam with an in-network VSP provider to get the full benefit.

For eyeglasses, VSP usually covers a portion of the frame cost and the cost of lenses. You may have a copay for frames, and VSP sets a dollar limit on how much it will pay toward frames and lenses combined — for example, $150 per year. If you choose frames or lenses that cost more than that limit, you pay the difference out of pocket.

Contact lens coverage works similarly. VSP may cover a portion of the cost of contact lenses, up to an annual limit. If you wear both glasses and contacts, you typically have to choose which one the plan will cover in a given year, rather than covering both.

How to find a dentist or eye doctor in the network

Both Delta Dental and VSP maintain online directories where you can search for in-network providers by location. You can visit the Delta Dental website and enter your zip code to find dentists near you who accept the plan. The VSP website has a similar search tool for eye doctors and optometrists.

When you call a dentist's or eye doctor's office to schedule an appointment, tell them you have Comfort Plus Delta (or Delta Dental and VSP). Ask them to confirm they are in-network and to tell you what your copay or coinsurance will be for the specific service you need. This prevents surprises when you receive your bill.

If you cannot find an in-network provider near you, you can still see an out-of-network dentist or eye doctor, but you will pay more. Out-of-network providers do not have an agreement with Delta or VSP, so you may have to pay the full cost upfront and then submit a claim form to request reimbursement. The plan will reimburse you based on what it considers a reasonable fee for that service, which may be less than what the provider charged.

What happens if you see an out-of-network provider

If you visit a dentist or eye doctor who is not in the Delta or VSP network, you are responsible for paying the full bill at the time of service. You then submit a claim form — which the provider's office can often help you complete — to Delta Dental or VSP along with an itemized receipt.

The plan will review your claim and reimburse you based on its allowed amount for that service. The allowed amount is typically lower than what an out-of-network provider charges, so you may not be reimbursed for the full amount you paid. The difference is your responsibility. This is why using in-network providers saves you money: they have already agreed to accept the plan's allowed amount as payment in full.

Reimbursement usually takes two to four weeks after the plan receives your claim. Keep copies of all receipts and claim forms for your records.

Annual maximums and waiting periods

Most dental plans, including Comfort Plus Delta, set an annual maximum benefit — the most the plan will pay toward your dental care in a calendar year. This maximum typically ranges from $1,000 to $1,500, though it varies by plan. Once you reach your annual maximum, the plan stops paying, and you pay 100 percent of any additional dental costs for the rest of that year.

Some plans also have waiting periods, which means the plan will not cover certain services until you have been enrolled for a set amount of time — often 6 to 12 months. Preventive services like exams and cleanings are usually covered right away with no waiting period. Basic and major services may have waiting periods. Check your plan documents or contact Delta Dental to find out whether waiting periods explore to you.

The annual maximum resets on January 1 each year, so if you reach your maximum in November, your coverage restarts in January. Some people plan major dental work around this timing to spread costs across two calendar years.

How to check your coverage and submit claims

You can log into your Walmart+ account to view details about your Comfort Plus Delta coverage, including your annual maximum, copays, and coinsurance percentages. You can also call Delta Dental or VSP directly — their customer service numbers are usually on your membership card or in your plan documents.

If you need to submit a claim for an out-of-network service, ask your provider's office for a claim form or read one from the Delta Dental or VSP website. Fill out the form with your name, member ID, and details of the service you received, attach your itemized receipt, and mail it to the address listed on the form. Keep a copy for your records.

Some providers' offices will submit claims on your behalf, so ask before you leave. This can speed up the reimbursement process and reduce the paperwork you have to handle yourself.

Frequently Asked Questions

Is Comfort Plus Delta the same as dental insurance?

Comfort Plus Delta functions like dental and vision insurance, but it is bundled into your Walmart+ membership rather than sold as a separate policy. It has copays, coinsurance, annual maximums, and a network of providers, just like traditional insurance. The main difference is that you do not pay a separate premium — it is included in your Walmart+ membership cost.

What if I already have dental or vision insurance through my job?

You can have both plans. Your employer plan is typically considered primary, meaning it pays first. Comfort Plus Delta would be secondary and pay only what your primary plan does not cover. Contact both plans to understand how they coordinate benefits, as rules vary.

Can I use Comfort Plus Delta if I live outside the United States?

Comfort Plus Delta is available only to Walmart+ members in the United States. If you live outside the US, you would not have access to this benefit. Check with Walmart+ to see what benefits are available in your country.

Do I need to enroll in Comfort Plus Delta, or is it automatic?

If Comfort Plus Delta is available in your state and included in your Walmart+ plan tier, it is typically automatic — you do not need to take any action to enroll. You can start using it right away by finding an in-network provider and scheduling an appointment. If you are unsure whether you have coverage, check your Walmart+ account or contact member services.

What if I need a service that is not covered by Comfort Plus Delta?

Services not covered by the plan — such as cosmetic dentistry or orthodontics — are your responsibility to pay for in full. Ask your dentist or eye doctor whether a specific service is covered before you proceed, so you know what to expect.