Delta Dental Insurance: What It Covers and Why It Might Be Right for You
When it comes to dental insurance in the U.S., Delta Dental is a name you’ll see everywhere—and for good reason. With millions of members across all 50 states and a reputation for reliability, Delta Dental offers plans that are affordable, widely accepted, and built to fit just about any budget.
Whether you’re an individual, a family, or even a senior on Medicare, here’s what you need to know about what Delta Dental offers in 2025.
What Is Delta Dental?
Delta Dental is not a single company, but rather a nationwide network of 39 independent member companies operating under the same brand. Together, they form one of the largest dental insurance providers in the U.S., covering more than 80 million Americans.
From preventive care to complex dental procedures, Delta Dental plans are accepted by hundreds of thousands of dentists, making it one of the easiest providers to work with when it comes to finding in-network care.
What Does Delta Dental Cover?
Delta Dental offers several different types of plans, but most fall into two basic categories: PPO and DHMO.
Here’s what you can typically expect from a Delta Dental policy:
✅ Preventive care — Cleanings, exams, and X-rays are usually covered at 100%
✅ Basic services — Fillings, extractions, and emergency care are partially covered
✅ Major services — Root canals, crowns, and bridges are covered at a lower percentage
✅ Orthodontics — Some plans include coverage for braces and aligners, especially for kids
✅ No waiting periods — Many plans have immediate coverage for preventive care
Coverage percentages vary based on the specific plan and whether you choose in-network providers.
PPO vs DHMO: What’s the Difference?
✅ PPO (Preferred Provider Organization) — This is Delta Dental’s most popular option. You can visit any licensed dentist, but you’ll save more if you stay in-network. PPO plans offer flexibility and are ideal if you want more provider choices.
✅ DHMO (Dental Health Maintenance Organization) — These plans are usually cheaper, but you must see a dentist within the network and get referrals for specialists. They’re a good fit if cost is your top priority and you don’t mind staying within a set provider list.
⚠️ Important: Not all plan types are available in every state. Availability depends on your ZIP code.
Delta Dental for Seniors
Many retirees choose Delta Dental to supplement their Medicare coverage. While Medicare itself doesn’t cover dental, Delta Dental offers individual plans for seniors that include:
- ✅ Cleanings and exams
- ✅ Dentures and bridges
- ✅ Coverage for common age-related dental issues
- ✅ Discounts on implants and other restorative procedures
There are even specific Delta Dental Medicare Advantage partnerships in some states.
Delta Dental for Families and Kids
If you’re shopping for a family plan, Delta Dental includes child-friendly options with:
- ✅ Pediatric dental coverage
- ✅ Orthodontics (braces and Invisalign)
- ✅ No-cost preventive care
- ✅ Affordable monthly premiums
Plans often include two cleanings per year per family member at no additional cost.
Why People Choose Delta Dental
✅ Largest dental network in the U.S. — Easy to find an in-network provider
✅ Affordable plans — Monthly premiums starting as low as $20–$30 for individuals
✅ No surprise billing — Predictable pricing and pre-treatment estimates
✅ Mobile tools — Track claims, find dentists, and access ID cards through the Delta Dental app
✅ Options for every age — From kids to seniors, there’s a plan for everyone
⚠️ Things to Keep in Mind
⚠️ Coverage varies by state and plan type — Always read the plan details before signing up
⚠️ Orthodontics are not always included — Many plans offer it as an add-on
⚠️ Out-of-network care costs more — You’ll save the most by staying in-network
How to Enroll in Delta Dental
Signing up is quick and can be done online in just a few minutes.
- ✅ Go to deltadental.com
- ✅ Enter your ZIP code to see available plans in your area
- ✅ Choose a plan based on your needs—individual, family, or senior
- ✅ Review what’s included and compare monthly premiums
- ✅ Enroll online or get help from a licensed agent
Some employers also offer Delta Dental as part of their benefits package, so be sure to check if it’s available through your job before buying individually.
Final Thoughts
If you’re looking for reliable, no-fuss dental coverage, Delta Dental is one of the best choices out there. With the largest provider network, affordable pricing, and coverage options for individuals, families, and seniors, it’s no wonder so many people trust them with their dental care.
Whether you’re getting your first policy or switching from another provider, Delta Dental has the flexibility, access, and affordability to keep you smiling all year long.