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5.2

Overall Score

LAST UPDATED: September 4th, 2024

If you're looking for dental insurance, you already know that dental health is important. A dental insurance plan 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 network dentist and pay the dentist their pre-negotiated, discounted fee for the dental service. 
  • 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.

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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.

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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.

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Star Rating

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4.0

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254 Reviews

Review Breakdown

5 grade

47%

4 grade

26%

3 grade

11%

2 grade

5%

1 grade

10%

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Otis Blanchard

Just disregard Delta's network and pay out of pocket. It's cheaper. I was told by my employer, a level 4 trauma hospital where I'm a lab scientist making good money for the area, I was to receive two cleanings a year covered by insurance. No dentist is "fully covered" by Delta for preventative services. I had a dentist I liked. They said Delta said they'd cover fully for "in-network", so they would understand if I wanted to move. I went to a dentist from the Delta website. I walked in and was told I was fully covered. They didn't even give me a bill walking out the door. They sent me on my way. I was excited about having dental insurance again. Then a few weeks later I got a bill from Delta larger than what I was paying out of pocket! Just disregard Delta's network and pay out of pocket. It's cheaper.

2 months ago

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Stephanie Bloniarz

As a consumer, I have personally had Delta Dental for 33 years, through my husband's employer. I love Delta Dental! I always had great coverage, for a reasonable price! I have also worked in dentistry for 25 years, and this company is by FAR my favorite insurance company to deal with! I love the Dental Toolkit and spend a lot of time there every single work day! I especially love pulling benefits, and processing EFT's. We get paid SOOO fast! WOW! You guys do a great job!! A++++++++++++++++++++++

7 months ago

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Verified Customer

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Nate C Dickinson, ND

Delta Dental of Minnesota, pretty decent company and coverage thru my now previous employer. The yearly coverage though isn't that great. $2500 max coverage for dental work. Out of a $10,000 procedure I had done this year they only covered $2,500 and I had to eat the rest. I feel there's much better and fulfilling coverage out there somewhere else.

4 years ago

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Michelle Thomas Anaheim, CA

Loved my dental plan. I had great coverage. I did have a cracked tooth pulled and I believe I should have been reimbursed because it was an emergency the pain was so bad before it was pulled. Well because I didn't get approval (It was 7pm at night)they didn't reimburse me for pulling the cracked tooth. That was not right. Otherwise everything else was great.

11 months ago

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Phyllis Terry Ashburn, VA

I had to contact Delta Dental last week to update my coverage. I needed to fill out the form online but I asked Barbara-the CSR for assistance . Barbara gladly helped me get to the website and to the form that I needed to complete. She patiently waited until I went to the site and the form, and went through it with me with instructions as to how to fill it out accurately, and then to print off and sign the form. She gave me the email and or address to submit the form. I appreciated her patience and kindness in helping me. I have always had Delta Dental when I worked for the State and when I retired-it has served me well.

1 year ago

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Stephanie M. Oceanside, CA

My daughter had tooth damage from the glue from her braces which caused grooves in her teeth, We were told by her dentist that insurance will not pay for the needed bonding. However, DD was able to work with us and help pay for 50% of the cost.

9 months ago

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Ilene Metrick

I have had gingervitis for many years snd need to go to a hygienist every 3 months. Since my husband is self employed and I was working part time we had no dental coverage. We bought Delta to give us a discount on the services I received at the dentist office. Although it was a huge amount the savings did help. Whenever I had to call customer service they were so professional and helpful. I am now on Medicare and do not use delta because my health insurance covers dental.

1 year ago

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TC B Florissant, CO

I feel like Delta Dental is the government employee dental insurance! I had this as a military dependent as well as a civilian government contractor. It is the best dental insurance I have ever had. Dental insurance notoriously caps out pretty low on coverage each year (I have found usually $1500-2000), however overall Delta Dental does not deny claims and pays their portion- and does this quickly.

1 year ago

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Verified Customer

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Shirley Simolari

They cover everything they disclose quickly and efficiently, they are easy to reach with questions no waiting and they pay their claims on tome

4 years ago

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Cate Jackson

In general, I'm not satisfied with dental insurance. Delta is one of the better ones and is widely accepted, but out of pocket fees are still a lot if you need anything extensive.

4 years ago

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Sharon Las Vegas, NV

Delta Dental has a nice selection of dental plans to choose from and the monthly premium cost are inexpensive. When looking for dental insurance be sure to check out Delta dental.

10 months ago

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Jeri Bryant

So much better coverage than wht met life was given. I appreciate a company the make sure there clients are covered. I am a regular dentist visitor every 6mths and I have not experience out of pocket really like with the other company I was with.

1 year ago

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Joseph Faenza Washington, DC

Delta dental has been my dental insurance provider for over eight years and whenever I go to the dentist, I have never had to follow up with anything that was submitted in regards to claims. Delta dental has been great to work with for my dentist.

1 year ago

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Mindy Clarke Tacoma, WA

I love this dental insurance company. I have had them for 5 years and I have had to pay minimal OOP, I have been able to get new Dentures two times. Most insurance companies ant you to wait 5 years between new sets, sometimes your dentures break.

1 year ago

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Carmen Anderson Bradenton, FL

Have found Delta Dental to be very professional to work with. Have had them for years. My dental office is Meadows Dental Associates in Sarasota, FL. They immediately let dental office know what the amount us they will provide for any procedure. Wouldn’t be without Delta Dental.

2 years ago

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G.J. Boise, ID

We have had Delta Dental for many years. We are happy with there company. It is usually the Dentist himself we have issues with. They make it very confusing the way they bill Delta Dental. It makes it difficult to know how much we have to pay. I wish Delta Dental would make their website easier to understand. When I try to get a estimate on how much a procedure will cost it is unclear. Maybe it’s just me. Overall I am happy with Delta Dental

2 years ago

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Sharod Wilkes Jackson, MS

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.

5 years ago

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Hailee Coleman Columbia, MO

My family has had Delta Dental insurance for years. Finally becoming older, I have realized the actual mechanics of insurance. I could not ask for a better dental insurance than Delta. I never have any problems when visiting. Some payments do happen sometimes when extensive x-rays like a panoramic x-ray to view wisdom teeth occurs. However, I get my dental cleaning twice and year and x-rays once a year without any cost to me. It is exceptional as an insurance.

3 years ago

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Abril Hunter Tallahassee, FL

Delta dental has been a fantastic provider for dental insurance. All of my insurance needs and dental procedures have been covered through Delta dental and I find that their customer service line is extremely helpful. Most dentist offices that I have gone to have excepted Delta dental as a insurance provider which is amazing. I have no complaints when it comes to Delta dental as a dental insurance provider.

3 years ago

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Amanda Hodges Little Rock, AR

I have used Delta Dental for many years and I am happy with what they provide. Having insurance is not cheap but not having it is scary. Take for instance if you need a crown. To pay out of pocket for this is easily over $1000 but with the great benefits I have through Delta Dental it was half the price. I do wish they would provide some help with braces however they do provide teeth cleaning for free every 6 months. There are a lot of dental offices that do take Delta Dental insurance so it is easy to find a provider. I would recommend participating in this insurance as an employer because it will greatly help your employees by providing great benefits for something we all have to use.

4 years ago

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Dustin Marx Brighton, CO

We have had Delta Dental insurance through our employer for years and have been impressed with their promptness in paying providers and in making readable statements available to us. We have had dentists, orthodontists, and periodontists state how good our particular Delta Dental plan is. The Delta Dental statements are comprehensive and detailed and make it clear what our share of the cost is related to the overall charges. Delta Dental also has worked well with our providers to make our role in the process relatively minimal.

5 years ago

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kristin Gneiting Pleasant Grove, UT

Delta Dental has been my dental insurance for many years. I have never had a problem with a claim, I can do all of the regular dental work that I need and when I have to do some more expensive stuff, like root canals, and fillings, the insurance takes care of most of it and it doesn't cost me an arm and a leg. I also like their orthodontic insurance for my large family.

5 years ago

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Verified Customer

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Annie Brunson

Good insurance - cleanings twice a year. They don't cover absolutely everything for treatments like fillings etc. But pretty good.

4 years ago

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Mark Albuquerque, NM

dentist explained every step of the process, making me feel comfortable and well-informed, attention to detail and commitment to patient care is commendable.

11 months ago

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PWL Chicago, IL

Absolutely pathetic. I spent over 9 months trying to get a pre-treatment authorization. 5 times it was denied. The first 4 times I called to ask why - they stated they needed different pictures/x-rays, once they just said the latest technology color x-rays "were too dark". My dentist was dumbfounded. Each time we went back to get the requested x-rays. Then they finally state, "denied since it is due to wear". It was stated in the first pre-treatment request that it was due to grinding of teeth. No reason to string me along for 9 months and have me repeatedly jump through hoops. Miserable experience

11 months ago

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David Frankfurt am Main, HE

I am a government worker and have had Delta Dental forever. Their coverage is good and much better than others that I have heard of by way of friends. They don't cover everything 100%, but I think their coverage is fair, I wish they would cover more regarding dental implants and crowns, which I feel fall under the category of being necessary

1 year ago

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Jasmin Mena

Used Delta once in a different state through my husband's insurance for a basic check-up. Was able to find a very nice dentist and they went through everything carefully and explained my situation with patience. Everything was straight-forward.

1 year ago

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larry Fort Myers, FL

The overall plan is ok but it doesn't cover much and the of total money available doent come close to the cost of dental work. plus there is a long waiting period for some benefits

1 year ago

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Bridget Walker Gulfport, MS

Delta Dental is a top notch dental insurance plan. This was my first dental plan. They have great coverage at affordable prices. They can pretty much cover you for everything.

2 years ago

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WalMart Shopper Jacksonville, FL

My employer offered Delta Dental and, not having dental insurance before, we agreed to give it a try. Glad we did. Never had a minute's trouble and the staff was both friendly and helpful.

2 years ago

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AlisaD Salt Lake City, UT

Have had this service for years. Have never had a problem with this service. Lots of dentists are covered by this insurance. We recently had to change dentists and found one right away.

2 years ago Edited January 31, 2022

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Lisa Wyatt O'Fallon, MO

I'm happy with Delta however I wish they provided more coverage for dentures. I received a pair of dentures a few years ago and even though I'm insured under them they only paid for half, leaving me with still having to come up with three thousand dollars. Other than that they provide great preventative care for my daughter.

2 years ago

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Darrin Pelham Rincon, GA

We have used Delta Dental for years and years and have never had an issue. The services that they provide and for what price is clearly listed in the literature. They have several options for different price points and had something for everyone. The customer service staff has always been quick and helpful with our needs.

3 years ago

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Tara Marx Brighton, CO

We have had Delta Dental insurance for over a decade. We have never had a problems submitting insurance claims. Delta Dental was there for us when all our kids had wisdom teeth out and braces.

5 years ago

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Barry Northrop Naalehu, HI

For nearly 20 years, Delta has been a solid insurance company for me. They abide by the upfront terms of their insurance policy and pay the provider quickly. When there is a problem, it is usually on the provider's end, not Delta's. They are sticklers for getting documentation from the provider.

5 years ago

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Diane Kelly Cypress, TX

Okay No issues I always get my questions and concerns resolved in a timely matter.I don't have to worry about being transferred all through the department to get problems resolve

5 years ago

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Sarah Manassas, VA

I've had Delta Dental for about 5 years now and have never had any issues. I do not get suprise bills after dental work is done, and their coverage is pretty good, and my rates are very reasonable.

5 years ago

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Larry Wilmeth Weatherford, OK

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.

5 years ago

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Vicki H. Poolesville, MD

I am retired now and have opted not to carry dental insurance. However, when I was working, I really appreciated having Delta Dental insurance to cover regular visits to the dentist. Delta also covered a good portion of the cost of my tooth implant and a tooth cap.

3 years ago

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Mom of three Brigham City, UT

Delta Dental is our go to company for dental insurance. We’ve had Delta Dental for 2 years. They have great customer service, friendly knowledgeable staff, wait time of 5 minutes or less on the phone, most importantly they pay your dentist on time.

4 years ago

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Dale Mayfield New Braunfels, TX

Delta Dental as the State of Texas administrator for our dental coverage has been in effect for less than a year, but they are very good for annual dental maintenance costs. We have rarely needed any additional dental work, but when we have, the company has been very prompt in their coverage.

4 years ago

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Mary Jacksonville, FL

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.

4 years ago

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AJ & Maria Ferguson Riverton, UT

Delta Dental has been a good insurance to have. Having all of my family's checkups and cleanings covered as well as helping cover the cost of dental work is a burden lifted. Although I wish we had more coverage for dental work and orthodontia, the low amount that we pay in premiums is well worth the coverage we have.

4 years ago

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Zac Cannon Long Beach, MS

I am currently enrolled in Delta Dental through my employer. They have been reasonable and I have a great premium through them. All of my dental cleanings are taken care off and I don't have to pay full price out of pocket for some procedures if needed.

4 years ago

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Ted Johnson Pleasant Grove, UT

Delta Dental is what I have for my insurance and they cover what I need and they also provide options for the whole family. I like their orthodontic options and their choice of dentists. They also give me the preventative treatment needed to stave off larger problems later.

5 years ago

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Reese Pleasant Grove, UT

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.

5 years ago

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Calista Huber Mesa, AZ

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.

5 years ago

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Irving Fleischman Staten Island, NY

Their PPO is excellent and HMO’s don’t give many dental benefits, they are really good.

4 years ago

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Charlotte Sylvester Vicksburg, MS

This has been the worst company that I’ve ever experienced ! Although I’ve been with them for years, they have denied to pay for my dental work. I’ve called and talked to over 30 different customer service reps. And also requested to speak with a supervisor and corporate , and they have been BS me since May of 2022!!! Now I’m stuck with an $800 bill???? I will be taking actions against this company!!!

10 months ago

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Clemmie & Mandy Johnson San Jose, CA

As a government worker I’ve been using Delta Dental for years. Their plan is pretty standard and covers quite a bit of necessary services. I really appreciate that the annual cleanings are free!!

1 year ago