Consumer Complaints and Reviews
I have been submitting my claim 6 times for 2 visits to the doctor, all over again. I have not received any feedback for the second year. I spent hours on the phone with customer service and every representative was giving me different explanation of why my claim was not processed. Finally after 2 years, they denied my claims with some bogus explanations. Delta Dental is just taking advantage of the fact that it's international clinic. So, out of the $15,000 I have spent in the international clinic, this insurance does not want to pay 13% of the cost! The clinics in US estimated the entire work to $50K! Ridiculous. I will never have that money. Avoid this insurance. Worst Dental insurance for International Claims - Ripoff!
They are not covering a claim for a dental procedure I had on Aug. 29th. I have spoke to 2 associates from Delta Dental that said originally it looked like I hadn't paid monthly, but that they were looking at an old Delta Dental account I had. They were able to see that I was up to date with all of my payments. They both (one associate) another a manager - said they would correct the info and resubmit the claim. I was told by the manager that nobody had scanned in my claim and submitted the info. Recently, I received a letter saying that I was denied again because lack of payment. Apparently no one corrected my account. I have paid for all of the months that I had coverage. I have made numerous phone calls and spent countless hours trying to get this corrected. My dentist said that they want me to pay out of pocket ASAP. I am getting very frustrated trying to get someone to correctly take care of this.
This company is a scam. I signed up for insurance through the Marketplace Exchange back in 2015. I thoroughly reviewed all documentation about what procedures were covered and thought I got a good plan. Although some of the more serious procedures only covered 50% (Root Canals and Extractions), it did seem to cover about 80% of the other procedures. When I had to have 2 teeth removed last year, come to find out, they would not cover the extractions at all. There was a clause in my policy that stated they only covered extractions up until the age of 19! I'm a 40 year old man! At no point in my signing up with this policy did anyone even mention this nor did anyone catch the fact that this policy would be useless to me. When I had to have a root canal, the same age limit was in effect. I have cancelled my policy with these crooks and I would recommend to anyone NEVER to choose Delta Dental as their insurance provider.
This company is one of the best examples as to why the Insurance Industry is rated lower than Used Car Salesmen. I can only pray that our new President can find a way to fix this Industry as a whole. DD's 'fine print' excludes items that most dentists will perform as part of your routine dental health. This results in getting bills after the fact for things that should have been covered by the insurance. I can see I am in good company as every other rating for DD is one star like mine for the same reason. It is as low as you can go and still give a rating.
I am incredibly upset with Delta Dental. We have double coverage (two policies). I checked before my husband had treatment and was told it was a covered expense. My husband had implants for three teeth. We were required to pay up front for them. We did so as he had gone quite some time without those teeth. It was hard for him to eat, he kept biting his tongue. So, we went and had the teeth (implants) done. The cost was $12,000. We worked for over a year trying to get payment for this. We were told it was denied. Filed against the decision and it came back they would not pay.
He had a partial made within the 5-year time frame so this was not covered. Mind you the implant that never fit, was remade and he was told, "That is the best you are gonna get." He ended up throwing it away. The insurance company had paid $800 to the dentist for this sub standard partial so they denied us reimbursement for $12,000. Such bad customer service. I feel this just can't be legal! They are totally scamming people out of money.
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When I checked my bank account last month, I found that my monthly premium had DOUBLED, without notice, from $48.55 to $95.10. When I called the Billing Department I listened to, "Your call is very important to us," for over an hour. Then the representative had such poor English she couldn't understand me. I asked to be transferred to her supervisor, which meant another 15 minute hold. She said she had it straightened out. This month the same scenario. Changing Dental Policies.
Delta Dental is nothing but a scam of an organization attempting to take advantage of the current insurance interest in the US. They have a list of exclusions as long as your arm but never really make it clear what they will cover. A cleaning costs $120. Why would anyone pay $40 per month when they don't cover anything other than cleanings? The plan I have is capped at $1500 annually but I never get there and when I do, they figure out a way to claim the service is excluded. DELTA DENTAL SUCKS! Don't be fooled! Spread the word.
Delta Dental has got to be the biggest scam of an insurance plan. I received a bill in the mail today from my dentist for $175 to cover the cost of full images. The last time I got full images was three years ago, at a different dentist, and under a different Delta Dental plan (different employer). Delta Dental rejected the claim stating that I couldn't get full imaging more than once every five years, even though this was a completely different plan, under a new employer! According to them, all of my history carries over so they "can see I got them within five years." It was like they were trying to insinuate I was trying to scam the system. Delta Dental is the only dental plan offered through my new employer, so I had no choice but to go with them. This is absolutely absurd, stay away if you can.
Signed up for DD Ins. They provided 18 local dentists. After calling all I could find that was in business, 1 would take their plan. The only one that would is horrible and is considered very bad. DD could not tell me which dentists took their plan and it was up to me to call every dentist on their list. I spent a month trying to find a dentist but the money spent on insurance was now worthless. Beware of Delta Dental, their customer service is absurd and unhelpful. Said it was my fault for not calling all the dentists first before paying the premium.
The absolute worst insurance scam out there. I can't even find a dentist that doesn't require me to pay first then wait for reimbursement from Delta Dental, which never comes. I am better off without it. All the dentists who take Delta Dental are just high priced dilettante dentists.
Pimps out unnecessary services - since when do insurance co. push you to keep using your benefits unnecessarily?? - so they & dentist can keep profiting from you w/ substandard work/materials so you're forced to keep going back. Zero quality or service from customer service or in network dentists - Better chances as a foreign medical tourist - 5 star resort & same quality work. 1/10 the price!!
Came home from work this evening and found several notices referencing dental visits going back to 2014 through May 2016 requesting payment of almost $1600 by 11/22/16. The notices are titled "submission error". Of course I will be following up but this is a nasty surprise. Delta Dental has refused to pay the dentist directly so I always have to process the check through my account as the checks are payable to me, then write a check to the dentist. Hopefully this is all this is... no further information provided. Terrible customer experience - a nice billing bombshell!
Delta Dental represents themselves as insurance & can be obtained through the Health Insurance Marketplace. A representative from Delta Dental explained to me that it is not insurance, but rather a "discount plan". This was in response to a complaint that they were not paying their claims. The response was that the dental provider, may give the discount at their discretion & is under no requirement to submit any patient info or claims to Delta Dental. When I attempted to cancel the plan, I was told that since I got it through Healthcare.gov, I could only cancel through them.
I made 5 separate attempts, in writing, mail, e-mail and telephone, to cancel with Delta. When they received the request to cancel from the Marketplace, I got a letter stating that they could not process the termination because the plan was not through the Marketplace! This part is pure speculation, but it sounds like they are not only defrauding consumers, but also the Federal Government.
If I could have chosen zero stars for this company, I would have. My husband and I signed up for dental coverage with Delta Dental. We paid about $75 a month ($864/yr) for both policies. In the year that we have had that coverage, DD paid $236 in benefits and we ended up paying over $1400.00 for things like check-ups, and fillings. Please, please, please think twice before you sign up for dental coverage through this company.
I came to Delta with School District insurance needing new dentures. At each appointment, my dentist had no recollection of who I was or what he had recommended in the previous visit. After beginning over and changing the plan, this wore me down (after over six months of driving over 50 miles to appts and paying a fortune in copays), I told him to just return my original dentures. He was able to do this only with the uppers leaving me with mismatched teeth that not only did not match but looked awful. When this became intolerable, I paid out of pocket for a new denture. This was the worst experience I ever had with any kind of health insurance. Do NOT use DELTA!!!
I started a policy with Delta Dental to cover my family's dental health. Very simple math. Most dental health is preventative (making sure you don't have problems) or restorative (fixing a previous fix, like redoing a filling). Delta costs me $250 a month for my family and cover 10% of the costs of preventative or restorative care. The level of coverage for the monthly cost is staggeringly poor. My Delta Dental charges for the year are more than my dental health bill even though I'm paying 90% of the costs of care direct to the dentist.
Unfortunately our school district chose this company for the employees. I had to have three teeth extracted in order to save my gums. I could have paid more for dental implants that would not be covered or a bridge that was supposed to be covered. Of course I have the bridge. My DDS turned in the claim and after not hearing from Delta Dental for a few months they called to see what was going on. Delta Dental denied receiving the claim. (Of course.) NOW Delta Dental is refusing to pay the claim!! I already paid out of pocket $3,000+. Now they are asking for more x-rays PRE procedure. Like I am supposed to reenact this? If a bridge is considered 'cosmetic' I don't know what planet these people live on. Really???!!
After my husband woke up with a severely abscessed tooth we decided it was an emergency. His face was very swollen along with his gums. Several phone calls to dentists in the area we live and we had no choice but to go to Western Dental. So after $344.00 on MY Credit Card, a pulled tooth, antibiotics and four hours of waiting for the doctor to figure out how to pull a tooth... we were finally done and headed home. This was only the start of a miserable experience with Western Dental and Delta Dental. Who knew that since our insurance could not be verified on a Saturday, we would end up paying out of pocket.
So after 9 days of talking with several rude girls that work at Western Dental... I finally spoke with Mable the office manager. She took 3 days to submit the claim over to Delta Dental.This is after waiting for 9 days and calling 3 times a day. For them to tell me they magically have not received the claim form that I sent 5 times to them via fax. ONLY FOR DELTA DENTAL TO PAY WESTERN DENTAL!! Two things wrong with that. My husband pays a lot of money every month to have insurance that can't be verified on Saturdays... And we paid out of pocket to a place who has yet to give me that check or even answer if they have it. Delta Dental said we get $40 back... $40!!? We pay you monthly and paid $344.00 for the tooth so explain how we get 40$ back!? After a not so good explanation I'm still sitting here wonder where my check is.
We will be cancelling this insurance as soon as we receive the forms any day now. You guys are a joke and taking people for their money. Makes you look pretty bad to be contracted with a company that can't verify you on the weekends but yet you pay them!!!??? Even after me showing the receipts for the visit. Anyone wanting to go with Delta Dental, DON'T. You're wasting your time and money. You will have to pay for your own services at the end of the day anyways. And Delta dental you treat customers wrong. BECAUSE I CAN BET WESTERN DENTAL WILL NOT PAY ME. WILL YOU CARE? NOPE.
I had a low cost dental policy that paid about 20% of my dental expenses. In order to get my dentist paid more and my own out of pocket less as well with the likelihood of crowns needed in the next year or 2, I contacted an health insurance broker in Cedar Rapids and got a new policy from Delta Dental that cost me twice as much. They assured me that crowns would be covered after a year. After a year... my dentist submitted a pre-auth and they turned it down because I hadn't had the policy for a year. I had had the policy for 14 months. Then the big bomb.
I needed 8 crowns at approximately $1000.00 a crown. The max Delta Dental would pay would have been $2000.00. Long story short they don't cover crowns due to tooth decay, attrition, wear, or nearly any other reason. This was after the dentist sent in 5 sets of X-rays of many teeth that had been broken and filled and rebuilt numerous times. So what is the point of dental insurance. Can anyone tell me of a real policy that actually covers real dental expenses. Sign me disillusioned and betrayed.
$10,000.00 with a deductible of $50.00. So far this year I have used $248.00 in dental benefits and leaves remaining benefits for 2016 in the amount of $9,752.00. As it stands right now I have to put down $1,475.40 for this surgery to be performed by the oral surgeon.
This is insurance company is worthless and only pays for cleaning teeth once per year. The way Delta Dental operates it is more like a discount coupon than actual insurance. I do not have anything in writing in the form of a contract or policy and there is no mention even on their website of any waiting period for extractions or emergency work. I would not have these teeth extracted unless it was absolutely necessary and such is the case as of now.
I have never experienced anything like this in my life. I had an extraction done and Delta Dental denied the claim with the reason that I was to old for the procedure... WHAT! That doesn't make any sense considering that I am 48 years old. They are currently automatically deducting the monthly premium from my account when I am not setup for automatic withdrawal. They are taking it without my authorization. I have tried calling about this only to be told that their systems are down, they cannot help me and that I should keep trying to call back to see if it's back up. No offer to call back when it's working. This insurance company is a joke and I advise EVERYONE to stay away. Wish I could give it -50 stars.
We turned 65 last summer therefore we lost our dental insurance provided by the company we retired from. We were so pleased that we could get Dental coverage through our insurance benefits provided by Tri-Care For Life. Our pleasure has been short lived. We had dental coverage for 35 years through our employer and during this time had different carriers. No complaints on any of them. Since paying for Delta (which I don't know why since they pay for nothing!!) we have had nothing but headaches. I am under a periodontist care and have to visit them 2X times per year and as per the periodontist - visit my regular dentist 2 times per year also.
Every plan we had via our employer paid for the periodontal visits plus the regular dentist cleaning. Not Delta. Also, Delta says on the EOB that the calendar year goes from January to Dec. 31. I went to the dentist last week and they will not pay for that cleaning since they paid for the first cleaning with this company in Sept. then another cleaning with the periodontist at the end of Dec. so they consider my start date in Sept. In other words, won't pay for another cleaning until September... Crazy. Don't know why something can't be done about this company. They pay for nothing!
I paid one year premium in full, in Jan 2016. My agent told me there was a one month wait, before benefits kicked in. Today is July 26, 2016. I had my x-ray and teeth cleaned. No anaesthetic, no special tools. I was in the chair for under 2 hours, including x-ray. Delta refused to pay the dentist - they added a one year waiting period. Between a greedy dentist and an insurance scam, I paid nearly $2000.00 out of my pocket today. Thanks Delta! I hope your teeth fall out!!!
I have had Delta Dental insurance for 20 years because I am a teacher and this is what our school mandates we use. I paid my own way through college, no help from parents. I had no dental care as a child. After teaching for 5 years to save up a down payment on a home, I was so excited to get braces to fix my teeth. I have been ashamed of my teeth from the time I was a teenager. I never smile because of how bad they are. When I went to use my insurance, I was told that it only covered orthodontic care for children under 18 years old.
I want to cry each time I look in the mirror. My self esteem has always been bad because of this. I teach 6th grade students, so they make comments, being the rude children they can be at that age. I have even had a few adult teachers say things to me. It seems like age discrimination. I pay the extra for the better insurance and for what? To not be able to use it because I'm too old? It is not like I ever had an opportunity as a child to get braces. I was lucky to have clothes to wear and food. This insurance sucks!!!
You'll spend more money by your second month of premiums than you'll ever get in coverage. They basically disallow every possible treatment except a first visit or annual checkup (with no treatment) which many dentists give away for free anyway to attract new patients.
If I could mark no stars I would. This insurance has been an absolute nightmare! Since day 1 I had issue with the billing. They cancelled my policy twice for no reason when they received payments. They missed sending me at least 3 invoices because of computer glitches (thank god my payments are automatic). No one in customer service ever seems to be able to help you. My account manager never gets back to me. They denied claims for no reason. Customer service hangs up on you. And now yesterday I was on hold for 1 1/12 hours with no answer and today for 1 hour and 47 minutes with no answer.
I asked to cancel my plan when I went through the eligibility phone number since nobody answered the billing line and my account rep does not respond and I was told they can't do it there nor can they transfer me or give me the number to the correct department. I finally had to call my health insurance and get an email address in order to cancel my plan, which was done today. Let's see how that turns out. Absolute WORST dental plan EVER!!!
I just noticed my Delta dental plan was cancelled. I had it on auto pay and signed up through the marketplace. I went on Medicare effective June 1 but this was handled separately. A claim was unpaid and I just realized they did not take the payment in June. Are they not supposed to tell me if they cancel??
This is my first review ever. I am completely dissatisfied with the service, or lack thereof, from Delta dental. I have been trying to get a claim for my daughter's ortho appliance paid for over 3 months. I had a different insurance when the appliance was placed. My company switched to Delta Dental in January of this year in which Delta should have taken over the claim and paid the dentist. It is now the end of June and still no payment has been made by Delta. The dentist's office has had to resubmit the same claim information multiple, multiple times and the claim keeps getting denied. Either no one at this company is smart enough to get this issue resolved or it's a tactic to delay payment (which is my guess).
I have read reviews about this type of situation and one person was denied because they delayed the claim process so long that they exceeded the time period for his claim. My advice is to stay on top of them and insist on speaking to a supervisor or someone who can resolve the issue. I have since filed a grievance with Delta and will be contacting the Better Business Bureau and other agencies to report this fraudulent practice of Delta Dental. If it were not for my company I would not choose Delta Dental! Find a better carrier!
We just moved to Florida a year ago, and shopped the market place for health insurance and dental insurance. We currently carry DeltaCare. We pay the monthly premiums to have insurance. The health insurance is expensive but worth every penny spent on it, but the dental for a lack of better words, sucks. We have had DeltaCare since the beginning of this year, 2016. In March we were in an emergency to get our 10-year old daughter to the dentist, because she had an abscess above a tooth. Come to find out our general practitioner dentist, which is assigned to us through DeltaCare, does not see children under the age of 14. They called their sister office, once again to find out they do not see children under 14 there either.
I had to make a decision on getting my daughter seen, therefore I scheduled an appointment with a provider and paid 100% out of my own pocket for our visit. I assumed this would be the case, but my daughter's health and safety come first! After all it was an emergency that needed to be taken care of. The people at that dental office were very caring and sympathetic to my needs. They specialize in children and unfortunately I did have to pay full price, they did give me a discount on the anesthesia.
After this situation I promptly got a hold of healthcare marketplace to find out whether or not I had a qualifying event on my hands. The fact that the dental offices within my network do not see children under the age of 14 should be considered a qualifying event to allow me to switch insurances. Unfortunately, it does not.
I then proceeded to call DeltaCare to explain to them the situation about my network's general practitioners and not seeing children, under 14! The person that I spoke to at DeltaCare proceeded to tell me that I am more than welcome to find another provider within my network. She explained to me how to pick out a specific 'pediatric' dentist that would accept my insurance. Not very helpful, expected me to do all the work, especially since I feel like they led me astray and they should fix it!
I followed their guidelines, printed off the list of providers, and proceeded to call every single provider on the list. The majority of them stated they were not 'in network', that Delta's computer systems were not up to date with the providers. Some of them stated they only see children OVER the age of 12?!?! Finally, about the 7th provider down the list I found a 1-800 number to a dental office that said they do see all children and our insurance is acceptable. I scheduled an appointment, waited for 2 months,which brings me to today.
I drove an hour to another town to get my daughter to the only dental office that sees children within my network, to find out at the time of the appointment that since she is over the age of 5 she is considered out of network. WHAT!!??!!?? And that I "called the 800 number and they don't know"...WHAT!?!?!? This whole situation is absolutely and completely upsetting. It makes no sense!
Why do insurance companies and the marketplace not have their computers current on the most up to date information??? This is only one of the many problems with insurance.The fees that any person pays out monthly to these companies that lack information and knowledge. Lack compassionate people who give a damn and are willing to help out when a customer calls. WHY??? My words of advise to anyone reading this, STAY AWAY FROM DELTA!
I've used Delta Dental for years and have had little to no problems. However, the DeltaCare policy, which my company switched to, is a nightmare to navigate. If you want a basic dental cleaning, you must visit your "primary" dentist which, DeltaCare has chosen for you. In my case, the dentist chosen for me was nearly an hour away. You are able to change your "primary" dentist, but that takes 1 month to take effect. Within that one month, you are not covered by anyone but the primary.
As for my child, who is less than 2-years old, he must have a referral (from the same "primary" an hour away). To get the referral, the primary must see the child, then say "Yes, he's too young" at which point you don't have a choice as to whom they refer you to. Once you get the referral, it's another month before he can see the referred dentist. It's my opinion that DeltaCare imposes this 1-month referral policy NOT due to some technical limitation, but to delay any coverage that they may be responsible for paying. In short, it's simpler, faster and cheaper to pay out of pocket for a dental cleaning than it is to use DeltaCare USA from Delta Dental.
Cyril TuohyInsurance Contributing Editor
Cyril Tuohy, has covered the insurance industry for more than 15 years. He is an expert at writing about personal and commercial property-casualty insurance and covers life, annuities and retirement as a staff writer for a top insurance trade magazine aimed at insurance agents and financial advisors.
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Delta Dental, a pure-play dental insurer, is one of the largest dental insurance providers in the country. The company dates back to the 1950s and is committed to expanding access to oral healthcare.
- An extensive network: Delta Dental operates in all 50 states.
- Plan variety: Nearly every type of dental insurance is offered by Delta Dental, along with unique plans tailored to unique customers. Discount plans are not offered.
- Cost-control measures: Delta Dental has negotiated contracts with reputable dentists across the country.
- Transparency: Customers can check claims history, estimate costs, review benefits and more on the website.
- ACA-compliant: Delta Dental plans are available under the Affordable Care Act on the federal health care exchange.
- Affinity: Administers the AARP Dental Insurance Plan.
- Best for Delta Dental is good for families looking for cost-effective dental care and businesses looking to provide coverage for workers.
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