Delta Dental Insurance Review

Rating: 9.7 / 10 (Excellent)
52 Customer Comments & Reviews - see all comments
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Founded in 1945, Delta Dental is presently the largest dental benefits carrier in the nation. The company is a not-for-profit organization with some for-profit affiliates among its 39 independent member companies. Delta Dental services to more than 78 million people enrolled in over 129,000 groups across the nation, the District of Columbia, and Puerto Rico.

What is Delta Dental?

Delta Dental is the nation's leading dental insurance company, providing access to over 145,000 dentists at more than 292,000 office locations. The company also provides the best discounts, averaging 20.3% on all claims. Delta Dental has consistently built strong partnerships with dental insurance providers and dental professionals for over half a century.

What's Included with Delta Dental

Negotiated Fees. Delta Dental has worked with network dentists to lower the costs of their services. This means cheaper treatments and bigger savings for you. 

Balance billing is not allowed, because participating dentists agree to accept Delta Dental's fee and the patient co-payment or deductible (if applicable) as full payment.

There are no forms for you to fill out because participating dentists submit claims directly to Delta Dental.

Payments are made directly, no need to wait for reimbursement checks.

No deductible or calendar year maximum.

Set copayments so you know your out-of-pocket cost for each procedure.

Plan Reviewed 

Dental for Everyone Gold PPO

How much does it save you?

Year 1/ Year 2/ Year 3 

Preventive: 60%/ 80%/ 100% 

Basic: 50%/ 65%/ 80% 

Major: 0%, 30%, 50%


Monthly/ Quarterly/ Annually

1 Member: $41.16/ $123.48/ $493.92

2 Members: $75.51/ $226.53/ $906.12

Family: $109.86/ $329.58/ $1,318.32

Annual Maximum

$1000 per person, per calendar year

Treatments Covered and Reimbursements

Covers Preventive, Basic and Major services. The amount of reimbursement increases with every year. However, there is no coverage for major services for the first year.


Delta Dental boasts the largest network of dentists and partner companies in the country. This makes it easy for you to find the best dental services in your area. Delta Dental is simply the best, which is why 60 million Americans make them their choice for dental insurance.

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52 Customer Comments & Reviews

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Fj L
Los Angeles, California
Delta Dental is the worst... The company has maintained the same "cap" on procedures even as the cost of procedures has skyrocketed... They require the provider to submit in writing via regular mail any claims, then "lose" the claim to postpone payment... When I decided to cancel the policy, I was informed that they would not allow it (no seriously), telling me that I needed an "underlying cause" and in any case would not cancel the policy until the end of the year (and I've been with them for ten years) ...Anyone considering dental coverage should consider a payment plan through their dentist, or other methods to pay for procedures....anyone but Delta Insurance!

Ashburn, Virginia
They are refusing to pay a bill that is supposed to be covered by my plan. Horrible customer service people who can't answer any questions. I will be lobbying my union to drop Delta Dental, along with other members who have had similar experiences with these scumbags.

Diane T
Panama City Beach, Florida
$1,000 major coverage first year is NOTHING, even with great teeth. I just learned, after doing biz w/this co. for yrs, that cleanings are NOT paid 100%. They only pay a certain amount & if your dentist wants to charge double that, sorry sucker, YOU pay! I just HATE deceitful liars. Haven't we had enough with the Clintons, Obamas, DOJ, FBI? Enough is enough, folks. So tired of dishonesty!

New Smyrna Beach, Florida
You say right here "What's Included with Delta Dental" "No deductible or calendar year maximum" and then further down you say "Annual Maximum $1000 per person, per calendar year" Can you please explain what that means?

San Francisco, California
the covered cali version of this insurance is a joke. you pay and cant get in to see dentists. they're also a mess administratively. don't do it.

Plano, Texas
HORRIBLE company!!! Liars, cheats, frauds, unethical, and corrupt! They sent me BILLS for BASIC SERVICES that ALL other dental insurance companies cover 80%-100%!!!! I took these bills to my dentists billing department and was told I was being SCAMMED into paying this money to them, as the procedures were COVERED and already paid for except one. And this one procedure, I was told, is something ALL dentists do and it is ALWAYS written off as most insurance companies don't pay for it, but its something that dentists have to put on the bill anyway because of the laws in this country. The billing people told me that this had already been written off when the bill was sent to... Read More

Redlands, California
Your have the absolute WORST customer service I have ever seen!!! My time is valuable and I don't appreciate being put on hold for 40 minutes, a girl finally picks up the line and tells me she has to transfer my call to someone who can help me! I have now been holding for almost an hour! Don't you think its time to put your customers first and hire more help, or would you rather give poor customer service? I would give you a minus if I could. I am reconsidering my insurance with you guys!

Paul R
Fort Worth, Texas
When you get their insurance it's inexpensive. However their customer service is TERRIBLE!!!. I tried to renew for 2018 on their website but they had a problem and it wouldn't renew. I called in and spoke to a lady and she told it was all taken care of. When 2018 and I went to the site it said Effective Date: 01/01/2018 End Date: 01/01/2018. I tried to call back but was ON HOLD FOR OVER AN HOUR. I called back and finally got hold of a lady she then said wrong department and transferred me where again I was on hold for 30 minutes. Pathetic!!!

Pittsburgh, Pennsylvania
RIDICULOUS WAIT TIMES FOR CUSTOMER SERVICE 40 minutes and ticking right now.

John J
Silver Spring, Maryland
Delta Dental is a complete mess, no customer service, applications ignored, 2 hours hold times is normal, horrible, shady coverage practices, dishonest employees, no accountability, info provided on their official website contradicts what you actually end up with.

Top Rated
Our Partner
9.8 / 10
  • Unlimited Use
  • Pre-Existing Conditions Included in Plan Savings
  • Plans Start at $99/Year for Discounted Rates on Dental Procedures
  • 100,000+ Dental Access Points Nationwide
  • A+ Grade with the BBB
  • Voted #1 in Ethics by Dallas Morning News
  • Discount Dental Plan (Not Insurance)