Delta Dental delivers double-digit savings on dental care & is accepted by dentists everywhere. Shop benefits, deductibles & premiums.
A fundamental question for consumers shopping for dental insurance is “Will my dentist take my
coverage?” because insurance is only as good as dental professionals who accept it. In other
words, how good are a plan's dental benefits if they're rejected by your preferred dentist and oral
surgeon and orthodontist?
Delta Dental has the distinction of being the single largest dental insurance provider in the United
States with over 80 million people enrolled across the plans offered by Delta Dental entities. The
company leverages this scale of enrollees to attract a large number of dentists to their networks.
According to the company, 128,000 dentists and over 198,000 office locations accept one or more Delta
Dental plans. Insurance acceptance differs by plan type. For example, Delta Dental PPO has a national
network of more than 68,000 dentists practicing in over 119,000 locations. In comparison, their
DeltaCare USA offering has just 22,000 dentist office locations, about a fifth of the number of PPO
network locations.
The Delta Dental parent company, Delta Dental Plans A-sociation, is a not-for-profit organization. It was
originally formed in 1966, but its earliest precursor began in Washington State in 1954. The company has
proven very stable over the years, enjoying enormous market growth in the decades following its
creation. By 2008, total premium revenue was around $15 billion. By the same year, Delta Dental member
companies processed over 81 million dental claims, or approximately 1.5 million every week, with an
accuracy rate of 99.5 percent. The organization itself is comprised of 39 independent companies such as Delta Dental Insurance Company, Delta Dental
of California, Delta Dental of New York, Delta Dental of North Carolina, and the Hawaii Dental Service.
Not surprisingly, Delta Dental plans are available in every one of the United States as well as Puerto
Rico and some other U.S. territories. The brand's success with consumers has enabled them to contribute
significant sums to philanthropic dental care efforts. The member companies of Delta Dental contributed $79 million in 2018 to community programs across the
country expanding access to oral care to underserved populations. In total, 11 million people were
helped through 1,700 separate programs.
Delta Dental has a broad portfolio of plan options for consumers to consider. The plans differ not just
on deductibles and out-of-pocket costs for services but also breadth of features and the maximum amount
of dental expenses to be covered during a single plan year. Since plan options differ by state, we will
use Delta Dental plans available within a single state (Tennessee) to illustrate our point.
A very affordably priced Dental for Everyone Gold PPO has the following out-of-pocket costs in 2022
during the first year of coverage (note - this plan increases its coverage from the first year of
enrollment to the third year of continuous enrollment):
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