If you're looking for dental insurance, you already know that dental health is important. Dental insurance can help you save on dental treatment and make visits to the dentist less expensive. 

Delta Dental offers good dental insurance. Many of its plan members rate Delta Dental highly and are satisfied with the value offered through coverage, cost, and network of dentists, and customer service. If you're looking for good quality, see if Delta Dental has a plan that meets your needs.

Delta Dental was founded in 1954 by dentists and employers to increase access to dental services. Over the years, Delta Dental has grown from servicing three states to servicing all 50 states, Puerto Rico, and United States territories.

Delta Dental is an industry leader and was the first to offer dental insurance in multiple states. It has a large network of dentists and serves millions of people.

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Customer Review: Mary from Jacksonville, Florida

"My experience with Delta has always been great. Both my spouse and I have delta and was able to stack the coverage on both of our kids braces. We ended up paying less than 1600 for braces for each after each Delta plan paid a part."

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The Good

  • Positive Customer Reviews
  • Plan Variety
  • High Level of Customer Satisfaction
  • Vision Coverage Available

Positive Customer Reviews

Delta Dental has earned much praise from its plan members. Positive Delta Dental reviews describe satisfaction for the cost and value of the company's plans. They also mention quick claims processing and payments. The high number of positive reviews mean that you can purchase a Delta Dental plan confidently.

Plan Variety

Delta Dental offers dental insurance coverage for individuals, retirees, families, and employers. It has six kinds of dental plans available.

  • Delta Dental PPO™ — This insurance plan allows individuals access to the discounted network rates when they receive dental treatment from an in-network provider. It also has low out-of-pocket costs.
  • Delta Dental PPO Plus Premier™ — This plan is just like the Delta Dental PPO™ (Preferred Provider Organization) with the added benefit of coverage for out-of-network dentists.
  • Delta Dental Premier® — This is Delta Dental’s indemnity plan. Individuals with this plan only pay co-pays and deductibles for services received.
  • DeltaCare® USA — This plan is Delta Dental’s HMO and focuses primarily on preventive services.
  • Delta Dental Patient Direct® — With this plan, patients choose a dentist from the Delta Dental network and pay the dentist their pre-negotiated, discounted fee. 
  • Delta Dental Individual and Family™ — Delta Dental offers the same group plans (generally only available to employers) to individuals and families.

With these choices, customers should be able to find the dental coverage and benefits they need at their price point.

Dental insurance plans work slightly differently from health insurance plans, though there are similarities. The Delta Dental PPO™, Delta Dental Premier®, and Delta Dental PPO Plus Premier™ plans all have an annual deductible and copays, like health insurance plans do. Unlike health insurance plans, these three Delta Dental plans also have an annual maximum benefit. The annual maximum benefit is the most that Delta Dental will pay for covered services during the year. Keep this number in mind as you consider the treatment you may need during the year. 

The DeltaCare® USA and the Delta Dental Patient Direct do not have deductibles or an annual maximum benefit. The DeltaCare® USA does have copays.

Finding a participating dentist is easy. Delta Dental members can use Delta Dental's website to find in-network dentists in their area. From the search results, you can choose a dental provider. Visiting participating dentists allows you to take full advantage of your plan's dental savings.

As you evaluate your dental plan options, consider the dental services you'll likely need. Check to make sure that your needs are included in a plan's covered services. Cleanings and dental check-ups usually fall under preventive care. Basic treatment generally includes dental work like fillings. Major services include dental procedures like root canals, crowns, and bridges. Some plans may also have limitations and exclusions. For example, cosmetic dentistry is typically not covered by dental insurance.

Some plans also require a waiting period  before covering certain services.

If you like your current dentist, you should check to see if they are a provider included in your plan's network. With PPO plans, you can usually visit any dentist you'd like. If you visit a network dentist, you can maximize the cost-sharing benefits of your plan.

You should also consider what copayment a plan requires, its deductible, monthly premium, and other out-of-pocket expenses. Monthly premiums should fit comfortably into your monthly budget; however, it's important to also consider your out-of-pocket expenses. Analyzing the full cost of a plan and what dental procedures and preventive services you need will help you estimate how much money you'll spend on dental care and find a plan that fits your budget.

High Level of Customer Satisfaction

Reviews on bestcompany.com are mostly positive. Clients are typically satisfied with the coverage and service they receive from Delta Dental. Reviewers are also happy with its large network of dental providers. 

While some reviewers experienced difficulty with getting procedures approved, claims, and cost, most reviewers are happy with Delta Dental. Keep in mind that Delta Dental offers a few different coverage plans, so customer experience with cost and coverage may be affected by what plan they chose.

Vision Coverage Available

While Delta Dental insurance plans are primarily for dentistry, the company also offers a vision insurance plan called DeltaVision®. With this plan, customers receive discounts for eye exams, glasses, contacts, and laser vision correction. It can be purchased with or separately from dental insurance.

Those looking for both dental and vision coverage can find insurance options through Delta Dental.

The Bad

  • Availability Varies by State

Availability Varies by State

While Delta Dental’s plans are available nationwide, the offerings and rates vary by state. People interested in purchasing insurance from Delta Dental must enter their state, zip code, and birthday on a state- or region-specific site to view the rates and insurance coverage options available to them.

The Bottom Line

Dental care is an important part of taking care of your overall health. Good oral health and dental hygiene have positive effects on your heart and overall health. Dental insurance can help defray the cost of dental treatment that helps you maintain your dental health.

Delta Dental is a great choice when choosing a dental insurance company. It offers six kinds of dental plans, which makes it easy to find affordable dental coverage. Delta Dental has even made its group plans available to independent customers, not just businesses. This means that individuals can get the same dental benefits as those offered through employers.

Delta Dental’s plan offerings and terms vary by state, so be sure to understand the specifics of the plan, like if there is a waiting period for certain services and the coverage available for preventive services and its cost before signing up for dental coverage.

Delta Dental has one of the largest networks of dentists, which makes finding a dentist easier. Visiting a network dentist allows you to access discounted rates for covered dental work. Delta Dental is an insurance provider worth considering.

View Best Dental Insurance Companies

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User Reviews

Star Rating

4.1
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131 Reviews

Review Breakdown

5 star
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Kelly C.

June 27th, 2019 Fair Oaks, CA DETAILS arrow_drop_down
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Superb very satisfied, We have dual coverage provided by our employers!

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Larry Wilmeth

June 27th, 2019 Weatherford, OK DETAILS arrow_drop_down
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Had Delta from employer. Their services were always prompt and as they promised to my Dentist. Now that I'm retired I'm paying through Aarp and so far so good. Waiting for the 1 year to go by so they can install implants on a tooth that was broken at gumline.

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Sharod Wilkes

June 27th, 2019 Jackson, MS DETAILS arrow_drop_down
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It has been great dealing with this company. There have been no problems whatsoever with getting my dental bills taken care of nor any hassles on dealing with services. Delta Dental is hands-down one of the better dental insurances around.

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Jill Nabors

June 27th, 2019 DETAILS arrow_drop_down
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Very positive experience in. They pay for a lot of things most insurance does not

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John Giles

June 27th, 2019 DETAILS arrow_drop_down
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Great prices and services for my dental health. The billing is prompt and easy to understand.

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Micki Wiersma

June 27th, 2019 Monument, CO DETAILS arrow_drop_down
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It pays 50% or less of services and premiums go up yearly.

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Kerry M Kelly

June 27th, 2019 Spokane, WA DETAILS arrow_drop_down
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Pretty good. But not great. When a crown broke, they would not replace it

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Jeff

June 27th, 2019 Colorado Springs, CO DETAILS arrow_drop_down
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POOR THEY NEVER COVERED 1 SINGLE CLAIM TERRIBLE CRAP

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Cheryl Parmely

June 27th, 2019 Phoenix, AZ DETAILS arrow_drop_down
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Adequate, expensive, monthly payments, have not used yet due to hi copayments

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Bob and Barb

June 27th, 2019 Portland, OR DETAILS arrow_drop_down
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I have been with Delta for over 45 years through company benefits. They have almost alwayus been a very good company to work with.

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Bill Judge

June 27th, 2019 Oxford, NC DETAILS arrow_drop_down
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Excellent! Best coverage for the money. Dental office was impressed with amount paid for authorized services.

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Beth

June 27th, 2019 New Buffalo, MI DETAILS arrow_drop_down
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Sub-par for payments on dental work and few dentists accept their policy.

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Larry Lilly

June 27th, 2019 Chatsworth, GA DETAILS arrow_drop_down
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They have always fulfilled their contract with me. I've been a customer for 20+ years.

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Feel safe with Protect America

June 27th, 2019 Byron, WY DETAILS arrow_drop_down
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dissappointed, since they claim to pay 50 % on dentures but only pay 35%.

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Cecilia

June 27th, 2019 Warren, MI DETAILS arrow_drop_down
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It is ok. The only problem is that the plan I have has a low max of only $1000, a year and you can blow through that with just a crown. So there would be nothing left for cleanings or emergencies.

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Tdy

June 27th, 2019 Knightdale, NC DETAILS arrow_drop_down
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Outstanding always excellent service in setting appointments and reminding me

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Maria

June 27th, 2019 Reno, NV DETAILS arrow_drop_down
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So far so good I do not have any complaints and my dental coverage is on par with other carriers

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Larry L Bradshaw

June 27th, 2019 Chico, CA DETAILS arrow_drop_down
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Fair, though it seems coverage has decreased though rates have increased.

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Dennis Holmquist

June 27th, 2019 Littleton, CO DETAILS arrow_drop_down
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Experience with Delta Dental has been very good for several years

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Ramesh Shah

June 27th, 2019 Anaheim, CA DETAILS arrow_drop_down
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Average as they don't ensure quality and price paid by patients

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Kimberlee

June 27th, 2019 Tomball, TX DETAILS arrow_drop_down
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The insurance hardly paid anything towards even a cleaning much less any possible work I needed

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Gary & Corliss Connelly

June 27th, 2019 Boca Raton, FL DETAILS arrow_drop_down
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Easy to deal with and good follow up. I have had Delta Dental for over 20 years and have never had a problem with payments for services.

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Bertha Graves

June 27th, 2019 Riddle, OR DETAILS arrow_drop_down
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Cleaning, filling, crowns, we have been going to this dental practice for 10+ years and we have had grest care and Delta has been good with the coverage for our care.

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T

June 19th, 2019 DETAILS arrow_drop_down
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Have through work. For the price you pay it’s definitely worth getting as it pays for itself.

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Sierra Beck

June 12th, 2019 Herriman, UT DETAILS arrow_drop_down
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Dental insurance through my husband's work. Had it for 5 years and happy with coverage. Cleanings covered 100%

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Trenton Prestwich

June 6th, 2019 Taylorsville, UT DETAILS arrow_drop_down
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Seems to cover all I need from a dental stand point never had. Service denied and the premiums are standard.

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Dale L Farmer

June 4th, 2019 Littleton, CO DETAILS arrow_drop_down
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There were so many different plans but they made it affordable and able to meet my needs.

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BLF

May 16th, 2019 Pleasant Grove, UT DETAILS arrow_drop_down
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Delta Dental has been a great dental provider for our family. They process our claims quickly and even paid for part of our braces.

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Reese

May 15th, 2019 Pleasant Grove, UT DETAILS arrow_drop_down
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I have Delta Dental and it has been great. There are a ton of dentists to choose from, and they provide all the preventative care that is needed. They are easy to submit a claim through and l like their orthodontic coverage as well.

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L. Fowler

May 14th, 2019 Pleasant Grove, UT DETAILS arrow_drop_down
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We have had Delta Dental for years with our employee insurance coverage and they have been great to work with. They cover a great deal of our expenses and helped out with our braces too. They pay quickly and do a great job!

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Calista Huber

May 6th, 2019 Mesa, AZ DETAILS arrow_drop_down
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I recently got Delta dental and I am so happy so far! I love how widely accepted by local dentists it is. I haven't called customer service yet so jury is still out on service and cost. But I'm so happy it was so easy to find an in network, local pediatric dentist for my kids.