Delta Dental Insurance Review for 2024

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Navigating the world of dental insurance can be overwhelming, but Delta Dental Insurance continues to stand out as a reliable option. In this detailed review, we’ll delve into the specifics of Delta Dental’s 2024 offerings, providing insights into their comprehensive dental insurance plans and weighing the pros and cons to help you make an informed decision.

Up to $2,000 Annual Maximums6-month waiting period for basic care
Preventive Care Covered at 100%12-month waiting period for major services
80% Basic Care CoverageOne-time $10 enrollment fee
50% Major Care Payout
50% Coverage for Orthodontics
80% Teeth Whitening Coverage After 6 Months
Pros and cons of Delta Dental Insurance

Delta Dental Insurance Plans

Close-Up Photo of a Woman Getting a Dental Check-Up | placeholder for Delta Dental Insurance Reviews

Delta Dental prides itself on offering a comprehensive array of dental insurance plans tailored to meet a diverse range of needs. From basic preventive care to extensive coverage for major procedures, Delta Dental has designed its plans with the utmost consideration for its members’ dental health

Delta Dental PPO™ Plans

Delta Dental’s PPO plans are crafted to offer flexibility and accessibility, ensuring that members have the freedom to choose their preferred dentists while still enjoying significant cost savings. Let’s take a closer look at what sets these plans apart and how they can benefit you.

  • Basic Plan: Ideal for individuals seeking preventive care, covering cleanings and exams at 100% with a modest annual maximum.
  • Premium Plan: Suited for those requiring extensive dental work, offering higher annual maximums and coverage for orthodontics and major procedures.

DeltaCare® USA Plan

Delta Dental’s DeltaCare USA Plan represents a commitment to providing members with predictable, affordable dental care. With an emphasis on comprehensive coverage and minimal out-of-pocket costs, this plan offers peace of mind and convenience.

  • A DHMO-type plan emphasizing predictability and affordability, with no deductibles or annual maximums and immediate coverage for major services.

Cost of Delta Dental Insurance in Florida

Understanding the associated costs of dental insurance is crucial. Here’s a detailed breakdown of Delta Dental insurance plans available for individuals in Florida:

Plan DetailsDelta Dental PPO Basic PlanDelta Dental PPO Premium PlanDeltaCare® USA FLA70
Monthly Premium$21.57$48.79$8.92*
Enrollment Fee$10$10$10
Benefits and CoverageLow-cost preventive care (cleanings, exams, x-rays at 100%)Robust coverage (root canals, crowns, dentures, implants after 1 year)Predictable costs (low copays for preventive care, additional benefits like teeth whitening)
Annual Deductible$50$50None
Annual Maximum$1,000$2,000None
Network Dentists1,3021,30257 Primary Care Facilities
SavingsUp to 40% on in-network dentist feesUp to 40% on in-network dentist feesN/A
Waiting PeriodNo waiting period for preventive careNo waiting period for preventive careN/A

Note: The asterisk (*) indicates the deductible is per benefit year. The coverage for certain procedures may increase after the first year on the plan.

Source: Individual and Family | Delta Dental

Pros and Cons of Delta Dental Insurance

As with any dental insurance provider, Delta Dental has its strengths and weaknesses. By examining the pros and cons in a balanced light, you can gain a clearer understanding of what to expect and how Delta Dental’s offerings align with your individual needs and preferences. Let’s delve into this assessment to help you make an informed decision.


  • Generous Annual Maximums: Up to $2,000, which is competitive in the industry.
  • Preventive Care: Covered at 100% without a waiting period.
  • Basic Care Coverage: 80% coverage for services like fillings.
  • Major Care Payout: 50% for oral surgery, bridges, dentures, and implants.
  • Orthodontics: Available for children and adults at 50% coverage.
  • Teeth Whitening: Covered at 80% after a 6-month waiting period.


  • Waiting Periods: 6 months for basic care and 12 months for major services like crowns.
  • Enrollment Fee: A one-time $10 fee, while most competitors have no enrollment fee.

How to Enroll in Delta Dental Insurance

Enrolling in Delta Dental Insurance is a straightforward process. Here are the steps you can follow:

  1. Online: Visit the official Delta Dental website. Select the plan that suits your needs and click on “Buy Plan”. Follow the prompts to complete your enrollment.
  2. Phone: You can also enroll by calling Delta Dental’s toll-free number at 866-583-2085.
  3. Mail: Some plans may allow mail-in enrollment. Check with Delta Dental for specific instructions.

Remember, when enrolling, you must pay your first monthly premium and a one-time enrollment fee. Coverage can start as soon as the first day of the following month.

Cancellation Policy

Should you need to cancel your policy, Delta Dental requires a written cancellation request. They will refund any premium paid but not yet earned based on the number of full months remaining in the policy period.

Contacting Delta Dental Insurance

Delta Dental offers multiple channels for customer support:

  • Phone: Customer service can be reached at 1-800-544-0718 for insurance-related queries.
  • Online customer Enquiry Form: Inquiries can be sent through the contact form on their official website.
  • Online Chat: Quick questions can be addressed through the chat feature on the member dashboard.

In conclusion, Delta Dental Insurance remains a strong contender in the dental insurance market for 2024. With its range of plans and commitment to customer satisfaction, it’s worth considering for your dental coverage needs.

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