Dental Insurance

POLICE AND FIRE RETIREES: Must be Retired for disability or service directly from active service with either 15 years of service or receive allowance that is at least 37.5% of final comp. Also eligible if member leaves City service after 7/5/92, but prior to retirement with 20 years San José service and leaves contributions in the retirement plan and former member receives an allowance (i.e., applies for retirement). 

Eligible retirees have two (2) dental plans available to choose from: Delta Dental of California PPO and DeltaCare USA HMO. Please click on the following links to learn how benefits, claims, and payment of claims are covered, as well as the service limitations and exclusions that may apply. 



Retirees now have an In-Lieu credit program. If you are eligible to enroll in dental insurance, but you choose to not take the insurance through City of San José, you can enroll in the Dental In-Lieu credit program. These credits accumulate in an account for you. Enrollment in the In-Lieu credit program does not carryover from year-to year automatically. You must re-enroll for In-Lieu every year during Open Enrollment. 


The Retirement Funds pay 100% of the dental monthly premiums for eligible members. 

Service Area Requirements 

  • Delta Care HMO is for members who reside in California. 
  • Delta Dental PPO is a nationwide plan and does not require a California residence. 

Contact the Plan Providers

Delta Dental Benefits Presentation