Delta Dental Insurance Company Review (2024)

Delta Dental Insurance Company stands as a reliable choice in the dental insurance market, offering comprehensive coverage options for individuals, families, and groups, prioritizing preventive care and major treatments through its extensive network of dental professionals, all underscored by a low complaint level and an A.M. Best rating of A.

UPDATED: Jun 14, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 14, 2024Fact Checked
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Delta Dental Insurance Company

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A (Excellent)

Complaint level:

Low

Pros

  • Extensive network of skilled dentists
  • Comprehensive coverage for various dental treatments
  • Well-established reputation in the dental insurance industry
  • Customizable plans to meet individual needs
  • User-friendly online tools for easy policy management

Cons

  • Limited coverage options for non-dental treatments
  • Certain treatments may have waiting periods
  • Availability of plans may vary by location

Delta Dental Insurance Company is a reputable provider of dental insurance solutions offering comprehensive coverage options for individuals, families, and groups. With a focus on preventive care, basic procedures, major treatments, and orthodontics, Delta Dental prioritizes oral health through an extensive network of dental professionals.

The company’s low complaint level and an A.M. Best rating of A reflect its reliability, while family-oriented plans, group insurance options, and coverage for specialty treatments showcase its versatility. Potential considerations include higher costs for comprehensive plans and limited regional availability.

However, Delta Dental’s commitment to transparent claims processing and oral wellness solidifies its position as a trustworthy choice in the dental insurance market.

Delta Dental Insurance Company Insurance Coverage Options

Delta Dental Insurance Company provides a wide range of coverage options to cater to diverse dental needs. Here is a bullet list outlining the coverage options offered by the company:

  • Preventive Care: Coverage for routine check-ups, cleanings, and X-rays to maintain optimal oral health.
  • Basic Procedures: Coverage for essential treatments like fillings and extractions, ensuring timely care for common dental issues.
  • Major Treatments: Comprehensive coverage for more complex procedures such as crowns, bridges, and root canals.
  • Orthodontic Coverage: Options for orthodontic treatments, including braces and aligners, to achieve straighter smiles.
  • Family Plans: Policies designed to cover the dental needs of entire families, ensuring comprehensive care for all members.
  • Group Dental Insurance: Coverage tailored for organizations and groups, providing dental benefits to employees and members.
  • Specialty Treatments: Coverage for specialized treatments such as periodontal care, endodontics, and oral surgery.
  • Implant Coverage: Some plans may offer coverage for dental implants, helping to restore missing teeth.

Delta Dental’s commitment to offering a variety of coverage options ensures that individuals, families, and groups can find a plan that suits their unique dental care needs. Whether it’s routine preventive care or more advanced treatments, Delta Dental aims to provide comprehensive coverage that prioritizes oral health and well-being.

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Delta Dental Insurance Company Insurance Rates Breakdown

Driver ProfileDelta DentalNational Average
Clean Record$96$119
1+ Ticket$133$147
1+ Accident$167$173
DUI$229$209
Poor Credit$165$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Delta Dental Insurance Company Discounts Available

DiscountsDelta Dental
Anti Theft10%
Good Student15%
Low Mileage9%
Paperless6%
Safe Driver18%
Senior Driver10%

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Delta Dental Insurance Company offers various discounts to help individuals and families manage their dental care costs more effectively. Here’s a bullet list highlighting the discounts provided by the company:

  • Preventive Care Discounts: Encourages regular dental check-ups and cleanings by offering reduced fees or coverage for preventive services.
  • Family Plans Savings: Families opting for comprehensive family plans can benefit from reduced premiums and shared coverage limits.
  • Network Dentist Discounts: Access to a network of participating dentists often results in lower out-of-pocket costs for covered treatments.
  • Bundle Discounts: Combining dental insurance with other insurance policies, such as vision or medical insurance, may lead to overall premium savings.
  • Annual Payment Discount: Some plans offer a discount when the full annual premium is paid upfront instead of monthly payments.
  • Student and Senior Discounts: Tailored plans for students and seniors often come with discounted rates, recognizing their specific needs.
  • Multi-Year Policy Discounts: Committing to a multi-year insurance policy may lead to reduced premiums over the policy’s duration.
  • Employee or Group Discounts: Organizations offering group dental insurance to their employees can secure discounted rates through group purchasing.

Delta Dental’s array of discounts demonstrates its dedication to making quality dental care more affordable and accessible to individuals and groups alike. It’s important to review the specific terms and conditions associated with each discount to fully understand how they apply to your chosen policy.

How Delta Dental Insurance Company Ranks Among Providers

Delta Dental Insurance Company operates in a competitive landscape alongside several other prominent dental insurance providers. Here are some of its main competitors:

  • Metlife Dental Insurance: Metlife offers a range of dental insurance plans for individuals, families, and groups. They provide coverage for preventive care, basic procedures, and major treatments through a network of dental professionals.
  • Cigna Dental Insurance: Cigna offers comprehensive dental coverage, including preventive, restorative, and orthodontic treatments. They focus on providing flexible plans that cater to different needs and offer access to a large network of dentists.
  • Aetna Dental Insurance: Aetna provides dental insurance solutions with an emphasis on preventive care and overall wellness. They offer coverage for a wide range of dental treatments and services, often with options for both individual and group plans.
  • Guardian Dental Insurance: Guardian offers dental insurance plans with an emphasis on preventive care and flexible coverage options. They also provide access to a network of dentists and specialists across the country.
  • Unitedhealthcare Dental Insurance: Unitedhealthcare offers dental coverage as part of their larger health insurance offerings. They provide access to a network of dentists and offer a variety of dental plans to suit different needs.
  • Humana Dental Insurance: Humana provides dental insurance solutions with a focus on personalized plans and comprehensive coverage. They offer a range of options for individuals, families, and groups.
  • Blue Cross Blue Shield Dental Insurance: Many Blue Cross Blue Shield affiliates offer dental insurance plans alongside their health insurance options. They provide access to a network of dentists and offer various coverage levels.

These competitors, among others, contribute to a competitive landscape in the dental insurance industry. Each company brings its own strengths and features to the table, giving consumers a variety of options when selecting dental coverage that best suits their needs.

Read more: Humana dental Insurance Company Review

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How Delta Dental Insurance Company Manages Claims

Ease of Filing a Claim

Delta Dental Insurance Company ensures a hassle-free claims process, offering multiple convenient avenues for policyholders to file claims. Whether you prefer an online submission, a phone call, or utilizing their mobile apps, Delta Dental prioritizes accessibility and ease in initiating claims. This flexibility accommodates various preferences, making it convenient for all policyholders.

Average Claim Processing Time

Policyholders often wonder about the speed of claim processing when selecting an insurance provider. Delta Dental strives for efficiency, aiming to process claims promptly. While specific processing times may vary based on the nature of the claim, Delta Dental’s commitment to timely resolutions is evident in their streamlined procedures.

Customer Feedback on Claim Resolutions and Payouts

To gauge the effectiveness of any insurance company’s claims process, customer feedback plays a vital role. Delta Dental Insurance Company has garnered positive reviews regarding their claim resolutions and payouts. Their commitment to transparency and fair dealings reflects in the satisfaction of policyholders who have experienced smooth and satisfactory claim settlements.

Digital and Technological Advancements by Delta Dental Insurance Company

Mobile App Features and Functionality

Delta Dental Insurance Company takes advantage of technology to provide policyholders with a robust mobile app. The app offers a user-friendly interface and a range of features that empower users to manage their dental insurance conveniently. From accessing policy details to finding in-network dentists, the mobile app enhances the overall customer experience.

Online Account Management Capabilities

Modern insurance companies understand the importance of online account management. Delta Dental excels in this regard, offering policyholders comprehensive online account management capabilities.

These include online policy access, payment processing, claim tracking, and the ability to update personal information, ensuring that policyholders have full control over their insurance accounts.

Digital Tools and Resources

Delta Dental Insurance Company believes in providing valuable digital tools and resources to assist policyholders in making informed decisions about their oral health. From educational resources on dental care to cost estimators for various procedures, Delta Dental’s commitment to empowering policyholders with knowledge is reflected in the digital resources they offer.

Frequently Asked Questions

What types of coverage does Delta Dental Insurance Company offer?

Delta Dental provides coverage for a range of dental needs, including preventive care, basic procedures, major treatments, orthodontics, family plans, and group insurance options.

How does Delta Dental’s network of dental professionals benefit policyholders?

Delta Dental’s extensive network ensures easy access to experienced dentists, offering quality care and potential cost savings for covered treatments.

What sets Delta Dental apart from its competitors?

Delta Dental stands out with its low complaint level, A.M. Best rating of A, and commitment to transparent claims processing, offering a reliable and trustworthy insurance option.

Are there any potential drawbacks to consider with Delta Dental’s plans?

While Delta Dental offers comprehensive coverage, potential drawbacks include higher costs for comprehensive plans and limited availability in certain regions.

Can I find coverage tailored to specific needs, such as orthodontics or specialty treatments?

Yes, Delta Dental offers coverage for orthodontic treatments, specialty procedures like periodontal care, and a variety of family-friendly policies.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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