4.0
5.2
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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.
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."
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.
Delta Dental offers dental insurance coverage for individuals, retirees, families, and employers. It has six kinds of dental plans available.
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.
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.
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.
While Delta 's plans are available nationwide, the offerings and rates vary by state. People interested in purchasing from Delta must enter their state, zip code, and birthday on a state- or region-specific site to view the rates and options available to them.
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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