Is Delta Dental Good Insurance?

Delta Dental is a leading dental insurance provider in the United States. It offers various types of dental plans tailored to the needs of individuals, families, and businesses. If you are looking for dental insurance, you might be wondering if Delta Dental is a good choice. In this article, we will review Delta Dental’s plans, coverage, customer service, and pricing to help you decide if Delta Dental is good insurance for you.

About Delta Dental

Delta Dental is a not-for-profit organization founded in 1954. It operates in all 50 states and the District of Columbia, serving over 80 million Americans. Delta Dental’s mission is to improve oral health and make dental care more accessible and affordable for everyone.

Delta Dental offers a range of dental plans, including PPOs, DHMOs, and fee-for-service plans. Its plans vary in terms of coverage, network size, and pricing. Delta Dental also offers vision insurance, life insurance, and other ancillary benefits through its subsidiary companies.

What are the benefits of choosing Delta Dental?

Delta Dental has several advantages as a dental insurance provider:

• Large network: Delta Dental has one of the largest dental networks in the country, with over 152,000 participating dentists and specialists.
• Flexible plans: Delta Dental offers a variety of plans to fit different budgets and dental needs.
• Easy claims processing: Delta Dental has a streamlined claims process that allows for quick reimbursement.
• 24/7 customer service: Delta Dental has a dedicated customer service team that is available around the clock to assist members with any questions or concerns.

Overall, choosing Delta Dental can provide you with access to a large network of dentists, flexible plans, and reliable customer service.

Delta Dental Plans and Coverage

Delta Dental offers several dental plans that differ in terms of coverage and pricing. These plans include:

• PPO plans: These plans allow you to choose any dentist within Delta Dental’s network and receive discounted rates for services. You can also see out-of-network dentists, but you will pay more for these services.
• DHMO plans: These plans require you to choose a primary care dentist who will act as your gatekeeper for all dental services. You will pay a set copayment for each service, but will not have any deductibles or annual maximums.
• Fee-for-service plans: These plans give you the most flexibility in terms of choosing a dentist, but also have the highest premiums and deductibles.

Delta Dental’s plans generally cover preventive, restorative, and basic dental services, such as cleanings, fillings, and X-rays. Some plans also cover orthodontic services, such as braces and retainers, although these services may have separate deductibles and lifetime maximums.

What is not covered by Delta Dental?

Like most dental insurance providers, Delta Dental has some exclusions and limitations in its coverage. Some services that are generally not covered by Delta Dental include:

• Cosmetic treatments, such as teeth whitening or veneers
• Experimental or investigational treatments
• Services that are not medically necessary, such as orthodontics for cosmetic purposes
• Services that are not performed by a licensed dentist or specialist

Before you choose a Delta Dental plan, be sure to review its coverage and limitations to ensure that it meets your dental needs.

Delta Dental Customer Service

Delta Dental is known for its reliable customer service, which is available 24/7 through phone, email, and online chat. Delta Dental also has a mobile app that allows you to access your plan information, find a dentist, and review your claims status on-the-go.

What do customers say about Delta Dental?

Delta Dental has generally positive reviews from customers, with many praising its large network of dentists, easy claims process, and helpful customer service. However, some customers have reported issues with claims processing delays or difficulty finding a dentist within the network.

Delta Dental Pricing

The cost of Delta Dental plans varies depending on your location, age, and other factors. However, Delta Dental is generally considered to be an affordable dental insurance provider, with plans starting at around $20 per month for basic coverage.

How can I save money on Delta Dental?

If you want to save money on Delta Dental, consider the following tips:

• Choose a plan with a lower premium and higher deductible if you do not anticipate needing a lot of dental services.
• Take advantage of preventive services, such as cleanings and check-ups, which are often covered at 100% by Delta Dental.
• Choose a dentist within Delta Dental’s network to receive discounted rates for services.
• Consider enrolling in a dental savings plan, which can provide additional discounts on dental services.

Delta Dental FAQs

What is the difference between a PPO and DHMO plan?

PPO plans allow you to choose any dentist within Delta Dental’s network and receive discounted rates for services, while DHMO plans require you to choose a primary care dentist who will act as your gatekeeper for all dental services.

What is the average cost of a Delta Dental plan?

The cost of Delta Dental plans varies depending on your location, age, and other factors. However, plans generally start at around $20 per month for basic coverage.

Can I see an out-of-network dentist with a Delta Dental PPO plan?

Yes, you can see out-of-network dentists with a Delta Dental PPO plan, but you will pay more for these services.

Does Delta Dental cover orthodontic services?

Some Delta Dental plans cover orthodontic services, such as braces and retainers, although these services may have separate deductibles and lifetime maximums.

What is not covered by Delta Dental?

Delta Dental does not cover cosmetic treatments, experimental or investigational treatments, services that are not medically necessary, or services that are not performed by a licensed dentist or specialist.

Is Delta Dental a good insurance provider?

Delta Dental is generally considered to be a good insurance provider, with a large network of dentists, flexible plans, and reliable customer service. However, its coverage and pricing may not be suitable for everyone, so be sure to review its plans carefully before choosing a Delta Dental plan.

Conclusion

Delta Dental is a leading dental insurance provider that offers a range of plans tailored to the needs of individuals, families, and businesses. It has a large network of dentists, flexible plans, and reliable customer service. However, like any dental insurance provider, Delta Dental has some limitations and exclusions in its coverage. Before choosing a Delta Dental plan, be sure to review its coverage, pricing, and network to ensure that it meets your dental needs.