Delta Dental Reviews

Ultimate scam! They denied COVERED procedure because "according to our records, you were born without that tooth". It's a total BS - if that were the case, the adjacent teeth would've expanded, and there would be no distinctive gap. Among other reasons. I filed a dispute and included my dentist's professional opinion. They responded with their "professional's" rebuttal. To make it short, scam.

Her name was Georgia. Customer service rep So rude and nasty. I pay a lot for monthly service and was. Denied a claim. I tried to explain that I pay monthly and she was nasty to me. Never have I ever been talked to like that.

I am writing this review in a state of absolute shock, disappointment, and utter disbelief at the conduct of Delta Dental. After years of loyalty, I am left feeling betrayed and financially devastated by what can only be described as a complete failure of duty—and what appears dangerously close to outright criminal behavior. A Loyal Customer Betrayed. For years, I trusted Delta Dental to provide the coverage they promised. When my decade-old crown failed and required a complex, multi-stage procedure (tooth removal, implant, new crown), I did everything by the book: Consulted my dentist, who referred me to a specialist. Had the surgeon’s office verify my insurance and procedure codes, with their experience indicating 90% coverage. Personally called Delta Dental, and was assured—again, with codes provided—that about 90% of the surgeon’s fee would be covered.

This company is by far the worst dental insurance company. They support dentists who ripoff Delta customers by insisting you need totally unnecessary dental services. And, of course, they are the services that Delta does not support at all, leaving the customer to fight off scamming dentists. Delta ignores complaints and supports scam dentists. Never accept Delta as your dental insurance company. They apparently do not have to answer to anyone.

If I can give Delta Dental insurance a zero, I would. I broke a molar which my dentist was able to rebuild as I had good bone structure to support the work she completed. They denied the claim the first time. My dental office redid scans to show proof of good prognosis and still, Delta Dental denied the claim. In addition, they also hadn't updated our information in their system (as explained by one of their representatives who was very rude on the phone), resulting in denials of routine check-ups. It is EXTREMELY frustrating to pay for insurance each month, just for them to deny claims that they advertise to cover. The denials of their team of dentists are getting out of hand. I wouldn't be surprised if denials made by them are incentivized.

If I could leave a 0-star rating, I would! I have never had such horrible customer service other than retail/restaurant experiences. Their communications with their customers SUCKS! I had an email telling me that I needed to pay for two months and that my account would be suspended. I called the customer service number and was told that my payment went through and that I did not need to pay anything. The next week I get a letter in the mail stating that my account had been suspended> called their customer service number and inquired about this and was transferred to a supervisor. The supervisor told me that if I had the money in my account, they could reinstate it. I affirmed with them that the money was there, and they told me that someone would get back with me by the end of the day to confirm that my account was back in good standing.

They like claiming that they’re the biggest dental insurance provider but I can barely find anyone who takes them!! Anyone who does accept them is far away. I’m stuck with my current dental office who only accepts appointments on the first of each month.

I had a tooth extracted in May of 2025, the tooth was infected and had 2 previous root canals. I used an out of network provider that specializing in extractions and implants, as my dentist would have referred me to other specialists who were booked for months. I paid the out of network provider and filed a claim. Delta reimbursed me $32. When I called they told me they only pay $65 for an extraction and they did not reimburse for anesthesia. I do not believe that. They cannot expect people to get teeth pulled without any anesthesia. I asked to see their fee schedule, it is unrealistic that they are only paying in network providers $65 and nothing for anesthesia for extractions. I was told that the fee schedule is an agreement between Delta and their in network providers. They do not allow members to see it.

I have been waiting 5 months for my claim. I'm still waiting. I live in an area that was hit with Helene and our mail we can't get it. When I asked to have my claim paid for by direct deposit through my bank which is the most secure way I was rebuffed. Terrible company. No wonder they have a class action lawsuit.

Delta Dental used to be a premier provider for Delta Dental, but as of 3 years ago, I went out and got a private plan because my work coverage was awful. Unfortunately, I have paid 40 dollars a month for the past 3 years to have my claims constantly rejected, including an erupted tooth extraction that should have been covered. I have a better chance paying less without the dental at most dentist offices. If nothing else, I save 40 dollars a month by canceling. In the future, I hope that prospective buyers of Delta Dental plans read the fine print and all pertinent reviews before wasting their money. Hopefully, a call to the attorney general's office to have an investigation on faulty practices can fix these issues.

They claim to cover 80% of "preventative care" services for out-of-network dentists. This appears on term sheets they advertise to the public, on their "member benefits document" available in their member portal, on the main page of their member portal, etc. Those documents do not contain any asterisk or imply that they will pay less than 80%. In fact, I have calculated that they have paid only 46% of my family's preventative services this year. This is because, according to them, they only pay 80% of an "allowed amount." This is utterly misleading, a scam, and unprofessional. I relied on the 80% figure, which appears everywhere, as the amount they would pay. This figure is a lie, and they are lying to the public about their coverage. I have made a complaint to my state department of insurance.

Delta Dental made my insurance company resubmit evidence for my pre-treatment estimate 3 to 4 times. In March, they said they would cover the procedure. In May, they sent the claim back saying they would not cover it. The bureaucracy and red tape is purposefully designed to prevent patients from receiving services.

My spouse and I, through different employers, have had Delta Dental top of the line "insurances" covering ourselves and each other for over 18 years. The limitations and exclusions are extensive. Even with two plans, Delta Dental has excluded so many routine claims for various reasons. It is frustrating and costly. Three examples: Two plans covering two cleanings a year but you can only get two cleaning a year regardless of paying for both plans. A tooth that had a cavity and needed a root canal was covered but 23 months later the filling cracked. The dentist needed to redo the filling due to pain and it was swollen, etc. This was also not covered and I have to pay as you can only get a filling redone after two years.

They never send me a card, apparently never even activated my account, and so I have no way to find my ID number or evidence that I'm on the plan at all. Other than the billing and my first name being on our plan review. So my mom's been paying for benefits they never even gave me.

Website says they cover 100% of a procedure in network. I click the tab to see what they cover for out-of-network. It still says 100%. I get the procedure. Delta Dental covers 30% and I have a bill of about $1000. Turns out they cover 100% of an agreed-upon value that is incredibly low. Their own website never mentions this on the page showing my coverage, not even as much as an asterisk next to the coverage percent. Just a big green 100% under the coverage column for out-of-network dentists. This is fraud. You should be able to take someone to court for something like this. Their website lied to my face and tricked me into spending $1000. I wish nothing but destruction upon this company.

Delta Dental is a total complicated scam. The dentist that take their plan will NEVER do a routine cleaning and refuse services if that is all you want. They will make claims that they are not allowed to and will only do a $600 cleaning. And Delta could not even find a single Dentist that would do a regular cleaning. I drive 20 miles south to get an honest dentist and pay cash and it is a lot cheaper than having Delta Dental. For 2 clearings per year with Delta Dental it is $1307.00 with no insurance and an honest dentist it's about $170.00 per year.

They are in the dark ages. I had work done overseas that is covered. I can only submit the claim by mailing it to Delta. They keep telling me different stories about how long it take for them receive, log, and process claims. I will mail it again.

I'm infuriated by this insurer. I signed up for a plan which was meant to pay 50% towards restorative procedures after a 6 month waiting period. After 18 months I had to get a root canal and basic composite crown. First they refused the claim and forced the dentist to appeal based on wanting more radiology. Then they rejected it a second time and simply said it's not a covered procedure. Why make the dentist do the extra work only to come back and say root canals aren't covered, and why wasn't it covered? I attempted to contact the company get an explanation and found that they have no actual people to call. There isn't even a phone number listed on the website. You have to use a contact form that claims it will be answered in 3-5 business days. It's been 8 business days, no response. This insurance is a fraud. Stay away.

I was a new patient at a dental clinic in Sun City AZ and went there for a cleaning and Xrays. The staff there asked for my insurance card to verify coverage. They said that cleanings and xrays were covered. They asked when I saw a dentist last and I let them know it had been just over 2 years. So they did the cleaning and xrays. Then 3 weeks later I get a bill for $241 because Delta Dental denied the Xray coverage saying they only pay for them every 3 years. I contacted the dentist and they said they can't help because they can only verify there is coverage but aren't informed of the details about the 3 year thing. What's really stupid is that if I went in with NO INSURANCE the dentist would charge $150 for a new patient. Now I have a bill of $241 that I feel is not owed to them.

Stay away. This dental insurance provider is a scam. The orthodontal claims are partitioned and honored in only once a year (*), so if one is engaged in, say, braces work - you're pretty much locked in with Delta until your treatment is done, which may take years. If you happen to discontinue the contract with them, then you're likely to pick up the remainder of the balance since Delta won't pay their share to the provider right away (see *). In such case, patient's part of the payment may go up 2x-3x. Moreover, the general trend among local dental work providers is to discontinue their contracts with Delta. Scheming dirty rotten no-goods!!!! Stay away!

I’m currently a subscriber to Delta Dental (Family Plan). I was diagnosed 5/3/2024 with Stage II breast cancer and and as of 4/2025 I have been able to finally use my dental benefits. I needed to get an exam and x-rays before I can start my IV infusion for cancer medication. I paid for the services up front and was told that I would be reimbursed. The reimbursement check came about a week later. I went to the bank that the check was written on and was told that I needed to contact the person that sent me the check because it’s not good. I was embarrassed because it made me look like I was presenting a bad check. I called Delta to inquire about the check and I was told that it didn’t make sense then I was put on hold for about 10 minutes and was also hung up on.

I was told my wife's oral surgery procedures would be covered at the negotiated rate. I gave them the codes and everything. Told them it would take 2 visits per the estimate from the oral surgeon. When it came time to reimburse us, Delta Dental claimed we could not have two of the procedures done on same day. They have lied 9 ways to Sunday to keep from paying even a portion of the procedures. I would advise anyone considering Delta Dental to look for another company.

I had both minor restoration (2 fillings) and a crown, and when I received the reimbursement I was shocked to see how little they pay out. I had chosen their “Select” plan, which, for Out Of Network, is supposed to cover 90% of preventative, 70% of Basic, and 50% of Major work (like crowns).

I am greatly troubled in that they do NOT cover what they say they are going to cover, such as 100% of preventative and diagnostic services. Every time I go to the dentist for a cleaning and exam, I have to pay an additional $38USD to cover imaging and now I will pay an additional amount to cover the cost of the cleaning to keep my dentist. I would love to speak with someone in customer service about it. However, after trying on and off for over a year now, I am pretty sure that Delta Dental does not offer customer service for those in VADIP.

They are scammers! Last year I paid almost $1500 to bought their most expensive PPO plan and then had my implant and now they reject to pay me anything because they claimed that my PPO plan us not covered implants! So they ripped me off and steal my money without cover me in my treatment. Actually I think these dental and vision insurances are just rip the people off if you talk directly to your doctor and pay him cash he gives you did count much more than these dental or vision insurance claim that they cover!

I was denied a crown that was very much needed. Tooth was about to crack open and cause an emergency situation. I won't renew this coverage. There are much better choices available these days. Shop around.

I'm canceling. After they took my money for years, I finally needed more than a routine exam/cleaning. My plan is supposed to cover 50% for a root canal. That's what the plan states. That's what my referring dentist said. That's what the endodontist said. AFTER the procedure, I got a "Procedure Alert" saying "This treatment is covered but only when the patient is under a certain age. You are responsible for payment." Doesn't specify WHAT age (I'm 59). On their Facebook page, Delta has all this nonsense about how much they care for seniors...HAH! Total rip off!

Mrs. ** has been really horrible to work with. She is completely rude and doesn't deserve the job that she has through Delta dental. She denies claims purely out of spite. She is a horrible way to represent this company.

Sadly, they can be EXTREMELY unorganized and dysfunctional, when it comes to their billing, charges and signing up for the first time. I had them for many years, and just had a temporary lapse in coverage so I signed back up. I spent almost 2 hours on the phone with them and they kept telling me their new system has caused issues so they would figure it out. Not only did they never figure it out yet. Diane in Finance, obviously who does not care to help out us customers. Blamed everything on me and even suggested I tried to commit fraud since one digit on the social security number on sign up was somehow wrong.

Had my 6 month cleaning and the usual x-rays and exam. No problems. Healthy gums, no cavities. Then the EOB from Delta Dental comes. A bill for $800+ dollars in denied claims. My provider is clearly in their DPO so the claims should have been covered. Called my dentist who cheerfully said I didn't owe anything. I asked them to call delta dental. That was a week ago. Today received a letter denying all claims from the cleaning to the exam to the x-rays. Filed a complaint tonight with Texas Department of Insurance. This isn't insurance. It's fraud.

The worst dental company ever. My husband has it through his work is the only reason we have this insurance. I had a claim for a crown. My tooth had a lot of sensitivity and pain. I still waiting 6 months after the dentist told me I needed a crown to see if the pain might get better and I could hold off on getting it. But it only got worse. The insurance denied it saying it wasn’t enough evidence of how bad the crack was.

This is the ABSOLUTE WORST DENTAL PLAN I'VE EVER BEEN ON! I was conned first by Verda out of California and they have a contract with Delta Dental. I can not find a dentist because they all cancelled with them because they don't pay dentists! I've talked to 5 different people who gave me 5 different dentists and none of them were in network - I went to one who I thought were in network and they wanted me to pay $272 for just a cleaning!! $500 for night guard!! DON'T EVER SIGN UP WITH THESE PEOPLE!!! I wish someone had warned me!!!!

When I asked the Customer Service Representative Annette for a supervisor she lied and said there was no supervisor, and she was all I had to speak with. Listen. A note to your managers, when a client/customer asks for a supervisor, it's end of discussion. No resistance. You transfer the call to a supervisor. Don't lie to them and say there is no supervisor available.

The first year I went with DD it was ok and not too many issues. I upgraded and went directly to DD instead of MODA and it’s been an absolute nightmare. They refuse to activate my requested term date and chose their own, have been taking premiums out of my ACH that makes no sense. They send me invoices that I can’t get into because they haven’t made me effective in their system. I did a simple upgrade and it’s been hell. I’ve made 10 phone calls (each call was a wait time of 30 mins. minimum), 14 email inquiries. Only 2 follow-up responses back to me. Been told I would get a follow up call from the rep that helped me and only one returned call plus one supervisor call back to tell me the rep was going to call me which never happened. I received shortly after I upgraded a digital member card showing I upgraded and my DDS called for ins. benefits and was told my coverage was cancelled.

Don’t use this dental company. They are no better than their mother company United healthcare. Rip-off and constantly denying claims. They’re dishonest and always trying to pass the buck to employers. HEY DELTA EMPLOYERS CAN NOT DICTATE CARE, so the lies need to stop. A malpractice lawsuit will be filed against all three entities. Then we will see who is representing facts. And who of you are liars. See you in court.

"Something is better than nothing" type of company. They do not care about their patrons; do not care about their providers. They care about $$$ and sponsoring sports areas. And patients' pay the price. Read this UNBIASED article on Linked In. "Dark Truth of Delta Dental." ** They have a take-it-or-leave-it attitude. They refuse to negotiate with providers. They have poor customer service for patrons...unless you are signing up. The entire insurance business is out of control. Delta used to be the best insurance company for both patients and providers. Now, 8 years into being a dentist myself, I see reimbursement rates nearing the 50 cents on the dollar... where Medicaid has been.

This is garbage "insurance". Do you expect to have an annual exam, cleaning, and xray covered? Look elsewhere. This company doesn't even cover the basics and is a complete and total rip off. Don't even bother calling to try to negotiate or get answers from the representatives. They just read the computer screen and treat you like an idiot for thinking your insurance should cover basic doctor ordered care. Absolutely disgusting predatory and parasitic behavior.

This is not only the worst dental insurance provider I have ever experienced but the worst insurance provider ever. They take no action when fraudulent providers are reported. Their grievance, escalation, and overall customer service is rock-bottom. They don't care about their enrollees, only about their bottom line. I had a bad experience with a provider, I reported it because I wanted a refund, and Delta Dental sent me a "canned" response waving my complaint off.

Have paid their premium now for a couple of years. Had a tooth extraction, my dentist told me what my out of pocket amount would be and I paid it at the time of service. A month or more later I received another bill from my dentist stating that Delta Dental denied the claim. I contacted Delta Dental, which was no easy task and some very apathetic representative said the claim was denied (which I already knew and had explained to him. I asked why and he said "it was denied because it's something we don't cover." How pleasant now that I've paid their 6 month fee of about $350 for the last 2 years. So Delta Dental has done nothing but accept my payments. They're nothing but a claim denial racket. I asked to have my renewal policy stopped and the representative gave me a lengthy procedure of what I needed to do. He was unable to help with that over the phone. Didn't have the technology required.

Worst insurance company ever. I am having very severe tooth pain and scheduled appointment after policy showed active online. Dental provider asked for me to call as she could not verify policy. After making initial premium payment through the marketplace, I was told by Delta rep that the payment had not been received and that a payment needed to be made in order for policy to become active. Delta rep assured me that a payment made over the phone would start policy immediately and once other payment was received it would applied to the next month.

Delta Dental is the worst dental insurance I've ever had. Their website is useless. When calling them expect to hold for at least an hour before talking to a person. If this is the only dental insurance your employer offers quit your job immediately!

Delta Dental is the worse insurance plan we dealt with as our current carrier for insurance. They sure are quick to take your money or they need something from you they act very quickly. But when you reach out to them they have no answers and pass you to the next person and then you end up getting frustrated with explaining to all the four people you been transferred to. They do not follow through with anything and when you ask about a claim you get call back on 10 days then no it's 30 to 45 days so when you as the member follow up at the time they say to I can not locate anything in our system. They refuse to transfer you to a supervisor. And when you do get someone knowledgeable about something they can't do much to help you. I've been with them almost 5 yrs not by choice but by my employer. It's the same thing over and over again. Very disappointed.

Updated on12/30/2024: A representative with Delta informed me there was an update to their system and my coverage was overlooked. Hopefully, they'll make good on the payment to my dentist just as quickly. Meaning, biannual cleanings are still covered.

Outstanding Service from Delta Dental's Call Center! I’ll admit, dealing with insurance companies is usually something I dread, but Delta Dental has completely changed my perspective. Their call center is an absolute standout. Every time I call the toll-free number, I’m connected to a live person almost immediately—a rarity these days! What makes it even better is that the representatives are based in the USA, fluent in English, and incredibly knowledgeable. They’ve consistently been able to answer all my questions with clarity and patience.

I needed oral surgeon for oral cancer screening. When I called Delta Dental they had one in network provider who only takes cash and 3 hours away. Unacceptable. You should have more providers that are on different areas and not require cash even though you have insurance.

They terminated my insurance without notifying me in any way, shape or form. Not by email, not by mail, not by phone. Because it was on autopay, I didn't check to see if it was all set. I had an appointment I thought was still covered and now I have a massive bill to pay and they won't even tell me why they terminated my coverage.

NOVEMBER 11, 2024. DENTAL XRAYS. Had to change dentists due to the prior dentist not accepting Delta Dental any longer.... Requested records from prior dentist on August 9, 2024. Went to appointment on 11.11.2024 at the new provider.... The old provider would not / did not send the X-ray Records. Am now being charged for the X-rays as these were needed for continuation of care. I did what I needed to do and was unable to obtain records - I want a billing adjustment to pay for the X-rays needed to establish care at the new dental facility.

I like Delta Dental and I have had it for years thru my job. The only thing I do not like is their website will not let not me see on my own estimated cost. Why would you not let me see the cost but have a calculator?

I have Delta Dental Insurance through my Medicare Advantage Plan with Devoted Health which should allow for a root canal treatment. The first root canal endodontist in Delta Dental network examined and wanted me to see him after the first of next year. I had to go to a doctor in the network who would take me this year. The second endodontist in network charged $452 and Delta Dental denied this saying that a I had too many evaluations. This is actually the 2nd by an endodontist for the year. The code numbers and explanations appear spurious and are used to avoid claims. I have nearly $3,600 to be used for dental work and Delta Dental is choking the use.

They don’t care if they ever pay you back. Finding dentist that have not dropped them is crazy. No dentist want to deal with them and I see why. I had to pay 3000 dollars upfront for 2 procedures and now they don’t care how long I wait to get my money back. They said, "Well it may take 30 days or longer." I see the claim is done but they won’t pay me back. Ridiculous.

I have Delta Dental through my employer. Unfortunately, the dentist I've been going to for a long time decided to drop Delta Dental PPO and the situation has created a nightmare for me. I struggled to find a dentist through the Delta Dental website/call center because the information they provide is inaccurate. Their provider information has been 100% (and I really mean 100%) inaccurate for every dentist I've tried to look up. This sent me through so many dead ends and so much time wasted talking to dental offices due to inaccuracies. I'm guessing my employer chose Delta Dental because it's cheap, and if that is indeed the case they're certainly getting their money's worth.

My Delta is thru Medicare Devoted advantage and the reason I choose it. My dentist couldn't get over how great this plan was, but we were all deceived. They tell you your Dr is in network then find out he's not, they only reimburse a small percentage of at all and good luck finding a number to call, the contact me form never works. This company should be shut down.

The company does not care about their customers.. You can not get anyone on the phone that can help.. I had a claim that has taken over a year to settle.. As of today still not settled.. I have canceled my policy and moved on to Aetna a much better company.. I would not recommend Delta Dental for anything of your insurance needs.

A high percentage of their participating dentists have low reviews, and most refuse to accept the contractual rate, forcing me to pay additional out-of-pocket expenses for routine care that should be covered according to my plan benefits. When I try explaining this to their customer service staff, they consistently tell me to find another dentist. This is unacceptable and frustrating. I expect better service and support from my insurance provider.

For a long time I try to cancel my subscription and I'm unable, letters, phone calls to no avail. They are a scam. Phone, all Email fail to stop the coverage. They are laughing about they cover very little Is money thrown in the water. I can believe they are allowed to operate

Delta Dental Ohio raised their 2025 premiums by 20 percent. I would like to see your justification and your P&L statement and projections for 2025. Your elderly policy holders thank you from the bottom of our fixed income heart. Have you noticed what our SS increase is for 2025 - about 2 percent. Your increase is 10 times that.

Delta Dental is the worst company to deal with when it comes time to get reimbursed. I have been trying to get $60.00 dollars back since July 2024. I submitted all the proper forms. I even had a supervisor walk me through it after she sent me the forms via email. The workers there have no clue as to what is going on. They give out information without even knowing the correct answer. They sure know how to ask for their money every month. Buyer beware do your homework before signing up with this company. Bad news.

I have a Medicare Advantage Plan and, unfortunately, Delta Dental. While I am grateful for any benefit, the contracted providers are all low-rent offices with inadequate staff. Delta has the lowest reimbursement rates, which is why most dentists do not accept it. I take good care of my oral health. If I could find just one dentist who had a clean facility, with staff that answered the phone, or one who didn't consistently cancel appointments, I'd be a happy camper. Don't even get me going about my experiences in the chair.

This Company claims they offer coverage and there are no available dentists other than one with an “F” BBB Rating. The other office does not even have a Dentist in staff, only a hygienist. Months ago, I filed a grievance and was never responded to. I filed a 2nd grievance and was never responded to. I never received any dental services from anywhere. Healthcare.gov said to ask for my premiums paid refunded. 3 weeks ago, I was told I would receive a check in 10 days to 2 weeks. Today I called because have not received check. I was told it was denied. I asked about the grievances and was told they don’t accept verbal grievances. The Delta dental Rep in the phone NEVER told me to do it in written form. These people are dishonest and don’t have properly trained people in my experience. If you have any choice other than Delta Dental, go with the other Company.

Had no problem getting through to an agent. I have spoken to four in the last 8 days. I have sent 5 emails to their customer care and received ZERO responses. I am locked out of my portal. Allegedly a ticket was submitted to their I.T. department but that was four days ago. When I opened the policy in mid October I provided checking account and routing number. I was told it went through. Received email saying "thank you for your payment" and that I had enrolled in autopay. Two weeks later I got an email saying I owed another $25 because my payment did not go through. The finance department did finally waive the fee and told me to contact customer service so I could go into my portal to fix "their" mistake on my payment information. I feel like I am in an escape room but they gave me the wrong clues. I will definitley contact the BBB.

The Delta Dental member portal is a complete waste of time. I spent over 15 minutes trying to get help, and the process is absurd. You can’t even chat with a representative without logging in. If you don’t know your user ID, the site makes you answer a series of questions, and if you get even one wrong, you’re stuck. After a few attempts, the system locks you out, as if dental accounts are prime targets for hackers. Ridiculous! Calling for help isn’t any better—you’re placed on an extended hold with no resolution in sight. This system is broken, frustrating, and downright unacceptable. Delta Dental needs to seriously rethink how they handle customer service and access. Whoever the CTO is should be embarrassed.

From someone who has had their issues with insurance companies and wrote my first ever bad review for one of them, I wanted to balance that out by leaving a positive one. The representatives at Delta Dental have been amazing when I needed help understanding and disputing my claims. I really do not have another dental insurance company to compare them to, but comparing them to my health insurance company, the customer service representatives I have spoken with over the phone have been fantastic. I wish I could remember her name, but one even went back about a year in my billing and found multiple occasions where my dental office overcharged me, or billed me for services I never had performed. She was a rockstar and helped me to get some of the money back that I spent on overpayment. So, in a world full of less than honest companies, thank you Delta Dental reps for being there for your clients.

Horrible customer representative! She didn't do A THING that she should have done, instead she told us to do her work for her. I wish I had her name! Lazy, useless, messed up my son's dental appointment by assigning him to the wrong facility!!!

Lied to me re cancellation ability if move to new state when purchasing policy. Website does not allow you to remove payment method. Dishonest company. Won't cancel by phone or return calls unless buying policy. Do whatever they can to not let you dump them.

I retired and moved out of the State of Califorina. I have Delta Dental Premiere PPO, provided to me by my agency I retired from as a retirement benefit. I received dental care June 2024 and again in July 2024. I went to a dentist out of contract, which I can do as per my contract. I paid my deductible of 40 percent, after the non contracting dentist contacted Delta Dental for coverage informatoin. When you go to a non contracted dentist you are sent a check to give the dentist for payment of services. I never received the check from Delta Dental to pay the dentist and ended up paying a significant amount out of pocket for both visits all the while Delta Dental stated they had sent the checks in the mail confirming my address several times, also noting the checks were never cashed. They cancelled the checks "eventually" and resent them, I still have never received the checks, it is now October 24, 2024 (4 Months since the first appointment).

I needed extensive dental work and because of high dental costs in the U.S., I had my work done by Dental Solutions in Los Algodones, Mexico. I submitted a claim for $1330 for 2 root canals and crowns which were done on 7/23 and 24 on July 30. The claim form was prepared by my dentist. I never heard back from DD. On 8/13 I had 4 crowns and a deep cleaning for $920. I contacted DD and learned that my July claim had been denied for lack of proof of payment, and that I needed to resubmit it. I never received any notice of the denial or reason therefore. So on 8/20, I submitted the first claim with all forms and the second claim for $920 with all required forms, and a receipt for payment from Dental Solutions signed by their lead dentist showing I paid a total of $2250. DD sent a check for $975 with no explanation.

Delta misspelled my last name and it has caused 3 years of problems. They denied the claim because of the misspelling, and they tell me to redo the paperwork with the wrong spelling, which I have done twice. I have spent hours calling the dentist, sending in new paperwork, and looking up other ways to contact Dental. They tell me they will fix it and don't.

1- My dentist during the last six months has mailed 3 times a mail about my teeth evaluation which needs to be done to my Delta dental insurance, his last mail was on August 2024 and it was certified mail to the address provided to him by the insurance agent. 2- After several months and several phone contacts, my dental insurance still has not responded. 3- The job that needs to be done on my teeth is very costly. 4- If Delta Insurance does not respond to my dentist's mail and his evaluation, my coverage will end on December

MY dentist sent in a prework request for coverage. I am having an implant and a bone graft is part of the work. $557 my dental benefits sheet written by Delta says 80 % coverage, we got the pre work sheet back and they say they don't cover bone grafts at all. It's part of my benefits package work sheet that Delta prints up. False advertising? I will be complaining to my company, I am a retiree. Wonder if I can take this to small claims court?

Tried to get reimbursed through Delta Dental insurance company for 4 wisdom teeth pulled out. Akeso Surgery said I have 2 years to file a claim. Delta Dental said I have 1 year to file a claim. Filed the claim before a year, provided additional info requested. Now, 1 1/2 years later, Delta Dental says my claim expired. Both companies are unreliable and undependable. For all who reviews this message, please take charge of your claim and contact the service org (like dental surgery office) and the claims office (insurance company) early on and expeditiously and get the proper insurance claim/funding you deserve.

My son needed work after a small fall. Delta pays out a max $1000 per year. I pay that in coverage each year so basically we get zero coverage. What a joke. Health insurance has an out of pocket max. Then they cover MORE. Delta Dental has a coverage max then pays NOTHING. ABSOLUTELY NOT WORTH IT.

I handle the accounts receivable for my company and while the coverage seems to be on par or better than others, the portal to download invoices is horrible. For this reason alone I wouldn't recommend them. We're looking at another vendor for renewal in 2025.

Save your money, don’t do it. My experience is that I lost my job and Delta Dental failed to reimburse me for covered expenses from dental visits and recommended dental care that I received and paid for BEFORE my last day of employment. Instead, Delta Dental reimbursed the dentist even though the practice is no longer in their network. The dentist's office sent the check back to Delta Dental as they should have, and Delta Dental should have recut the check to me for reimbursement, but they did not. If you can find a good dentist, keep them. But please ask your dentist about the insurance providers that they accept and choose anyone other than Delta Dental. Delta Dental is the worst kind of insurance company that at times seems only interested in finding ways NOT to pay for covered care and services.

Went to the dentist assigned to me by DeltaCare for a crown. The dentist told me that my plan doesn't cover crowns so I called Delta while at the dentist's office and they could not tell me what my coverage was. Tried going on the Delta website but it stated that I had to call to find out my benefits. Since it was a front tooth I didn't want to go without a crown so I paid $1,630 out of pocket. This cost was for the crown only, no build up as there had been a crown there previously. When I got home I looked on my employer's benefit website and it clearly stated that I do have coverage for crowns.

This is a total scam. I had Delta "insurance" through my employer, and I needed an implant that is a covered (at certain percentage, of course) procedure. This outfit simply refused to pay even a single red penny because "we do not have a record of extraction". Do they have records of every single procedure ever done? No. Nevertheless, this generic excuse gave the reason to claim that I was born without that tooth. I know for a fact that there would be no gap if their claim was accurate. How I know? I had a front tooth knocked out when I was a teenager, and there is no sign that that tooth is supposed to be there. But these individuals are inventive. They even sent me a letter from a "dentist" without signature that I never had that tooth... Stay away from these thieves!

I canceled the plan at the end of January of 2024... yet they charged me a full years premium in February and refuse to refund. I am the trustee of a Trust that takes care of my sister... they refused to cancel without her permission... Their phone system is rigged with nothing but recordings. It asks if you can hear them ok...and when you say NO (or yes) the recording goes into the sales pitch and wants you to leave a voicemail. Their contact form when you're logged in never generates an email confirmation. The list goes on. SCAM SCAM SCAM, STAY AWAY!

Zero stars would be too good for this company. I wish I had read reviews before I selected them through my employer. I have been fighting a claim for 8 months. It states clearly in my coverage that the code 8680 is billable twice at 70% coverage. However for the last 8 months they have been denying my claim even though it states right on the bill that they are billing for code 8680 which is covered at 70% according to plan coverage documents. Also, every agent I speak to on the phone has stated that I am correct and it should be covered at 70%. This is not an insurance company. It is a fraudulent company taking advantage of people. Do yourself a favor and let your teeth rot and fall out before you do business with them.

The main problem with DeltaCare is that it's misleading. If you think you will be charged the prices on that list you will be sorely disappointed. You will find out the wrong way that the plan does not cover essential medications the dentist needs during the procedures or important procedures to take care of your problem. You think it's an isolated problem with one provider and discover it's the same with all providers. You're better off with a regular dental insurance, even if your out of pocket expense is high. At least you won't be misled and will know what you need to budget for. I would assign 0 stars if that were an option.

How can a such company stay in business? Where can we go report them to the State? I am in NJ, my daughter's orthodontic claim was denied because they need more info, after submitted all request info, still denied and reps always give you different answer every time... what a terrible company, it's worst than gov't agency... I've been calling for 7 months now... omg.. what a big waste of time. Supervisors never call you back, so don't bother. At this point, they just get away with not paying claims???

Oh my God the WORST experience I have EVER had with any version of insurance. So unbelievably unprofessional, disorganized and disgusting behavior truly. Scam artists to the max! Will intentionally disconnect calls and give wrong information. To delay refunds. Actual thieves, passive aggressive as if it is their own money??? Will hang up on you no matter how long you wait. Run and NEVER purchase here. You're better off in TJ.

I had ultimate ins having Delta Dental Ins. is a fraud!! From Jan to May 2024 they advertise "Unlimited - extractions" for dentures or partials! I went to Bright Now dentists... after Xrays etc. with Gum disease for: "Full" dentures on top and partials on bottom. Delta denied me. Dental 8 + Xs and approved 2 xs and then denied.

We changed our address, but checks are still being mailed to our old address, and forwarding is about to stop. The representative said there's nothing else she could do, as they have the corrected our address (yes, on our statement, but not for mailing checks). No resolution still and the website is hopeless. Get it fixed so your customers don't spend their days on it.

Sage Dental, under Delta Dental, charged me for half of a crown build up just in case I needed it. They did not do the buildup and I have been waiting for my refund since Feb 20. I had a cleaning a month ago and they are holding my refund in case there is a charge for the cleaning! I always get free cleanings under my insurance and it has nothing to do with a crown build up!! Unbelievable.

This insurance is insulting to providers and members alike. Reimbursements are comical and the only providers that stay in network have terrible reviews that I would not trust my dental care with. They did not reimburse at all for nitrous oxide for my child’s procedure and only reimbursed 15% of the total cost.

Worst ever. Hard to know - horrible incompetence and cust. service or purposefully ripping off people? They send letters without acct numbers. I had one acct and the check acct no. was wrong so it never became active. OK, so I let it cancel and signed up using a credit card with a much better, preferred plan. They screwed up and though it was fine for a few days, it got mixed up with 1st cancelled plan. Many weeks and hours and hours of transferred around, in spite of total documentation and they keep trying to tell me I only have the 1st, worst plan which they had cancelled and I, then, agreed they should do so I could open the 2nd. To say it's take the above to get escalation is not an exaggeration and they keep trying to prove me wrong. Though I have the cc payment and confirmations. Endless problems. Stay away.

My son's claim for wisdom teeth removal keeps getting denied because their insurance was not listed as primary. We have submitted the documents to prove that they are primary coverage. I've spoken to four representatives, The first three said they had all the documentation they needed. The claim was refiled again and denied because they show they have no documentation. Resending all documentation along with notes, the secondary insurance card and reference numbers from previous phone calls. Have been dealing with this since 11/2023. Hopefully it gets figured out soon.

If I could put no stars I would. What’s the point of this insurance. Y’all don’t pay for anything and I have to drive out of state to get care and the closest dentist is over an hour away. I was sent to an endodontist for the root canal then sent to another dentist for a crown. I paid MORE money with this insurance than I did without insurance!!!

I am a Delta Dental customer through Cobra. My cobra was submitted a couple weeks ago and both my UMR medical and vision VSP has the cobra updated and I am able to use them. Cobra has so far sent delta dental 2 additional emergency updates and they still don’t have my plan updated. Customer service does not help and they have an attitude about doing their job. My dentist has also said they have had a lot of trouble with them. Stay away, they need to fire their entire customer service up to management and also update their computers!

I changed carrier to this back in November as my dentist was no longer taking MetLife. Despite paying for if now for 4 months, not a single piece of info from them giving me an insurance card to use them. Their online portal says they can't find me, but interestingly enough they can find my paycheck. When I called customer service they said they can't find me.

I had dental implants put in uppers and lowers. Dental center doesn't accept insurance, so I filed a claim with Delta dental, max claim pay out is two thousand dollars, Delta dental said ok. Well we need the codes of teeth removed, got it to them, Denied, Delta dental said that they need cost breakdown sheet, they got that too, denied again, said dental center is not in the database, denied, and my benefits rep called Delta dental today and said denied because because the dental center is out of network, I Believe that Delta dental will look for any and everything to deny a claim. Just Horrible, employer pays for it so I can't cancel. Delta dental does not return emails or phone calls, I emailed D **, a supervisor in Michigan 35 times and hasn't returned one email.

The website lies about coverage. If you look at the PDF, there is a one year delay for simple procedures such as fillings. There is a high yearly deductible. Their customer service is terrible. I also blame AARP for poor oversight.

Never got past the registration page because their website was designed in 1986 and has not been updated. They require information they don't give you so there is no way to register even if the website actually worked. No way to contact anyone, but after using their contact form I've received no reply. Save yourself some aggravation and go elsewhere for your dental coverage.

Delta Dental is the very worst Dental Insurance money can buy. They take advantage of elders and keep you busy for weeks disputing their denial of payments. AARP uses them. Don’t waste your money. UCARE Medicare advantage uses them. Look for another advantage plan unless you don’t need dental work. So far, I have received 8.00 in payments and this included the promised 3 teeth cleanings a year. This is elder abuse at its best,

I had dentist appointment at office of: Dr. **’s dental office (**)- phone number, being assigned by the DeltaCare USA in order to be able to use the insurance, right. Here is my accomplished dental work: x - ray with suggestions - not my intention for visit to dentist. The dental assistant was getting me familiar with x-ray machine, I wasn’t able to perform at least basic cleaning. I called the DeltaCare USA this morning to file a complaint and guess what- been hang up on. Managed to report dental scam verbally and it has been never ending. I have been at least 10 different dental offices over period of time and all have been done is x-ray. Any tip would be appreciated. Sarina

We tried for over a year to get reimbursed for my wife's dentures. There was always a reason why Delta Dental refused to pay. Per the instructions from the insurance company, we are supposed to pay the entire bill and then get our "insurance money" from them as a reimbursement. Of course, the dentures cost more than we'd get back, but her plan pays 80% up to $1,500. So, we sent the forms to DELTA DENTAL and they sent us a letter back stating that we didn't include the right forms. Then, there was always another reason why they refused to pay. Finally, after many mailings of the required forms, they sent a check, a whole $36 check. To the dentist's office! We couldn't even cash it.

I purchased the Delta PPO plan - because it said that it would cover restorative services. I have a few broken teeth. They refused to cover crowns because there was no cavity that caused it. I repeatedly for over a year tried to access my thorough benefits details. Every time, the message on my portal said "Unable to Retrieve Data" or it was unable at this time. It was never available. The benefits clearly stated in my PPO plan that they would cover crowns, among other things. I spoke with the claims department and they were useless. All they did was read the claim denial message. I asked to have a copy of the thorough benefits paperwork emailed to me. I am very doubtful that I will receive it. I asked them to cancel my plan and it is still active. They are still saying that they will take my automatic payment on my account.

Hey Delta Dental, don't you want to have contact from your users or customers? You have the absolute worse website, tried for an hour to create an account. You ask for info that does NOT work, like Group number, My ID Number, etc., SS. Nothing works. You click on CONTACT above or the website, and it gives you two options to select and that still does not open a contact page. You are now without notice sending my statements to the wrong address.

Had Delta Dental/AARP insurance for 3 years. Always had to pay up front and wait months and make several phone calls and then they would decide how much to reimburse me. Recently I got into a financial situation where I needed to cancel my insurance. Unknown to me, there was a 12 month contract that won't allow you to cancel! I sent numerous emails explaining my situation which were ignored and telephoned different reps. One rep insisted she would cancel my plan but did not after I had already put a stop payment on my direct withdrawals. The next two reps said no it was not cancelled and could not be cancelled!

Listen! EVERYONE! You CANNOT miss ANY monthly payments! OR YOU WILL BE KICKED OUT OF THE PROGRAM FOR AN ENTIRE YEAR AND WILL NOT BE ABLE TO ENROLL FOR AN ENTIRE YEAR! So be careful and weary. Dental help is nothing to play with. You have to be on top of things! Also, the dentists are also a pain in the butt to deal with.. Just be sure and be assertive, without violence, when it comes to getting dental work done with your dentists! Also, you CANNOT miss a single monthly payment or you’ll have to wait an entire year.. which is crazy… or just find another insurance company.

Delta Dental provides only minimal benefits for the premium charged. In addition, they claim if you sign up with them it is a one-year contract which renews each year, so you can never terminate until the end of the year (although they have refused to provide me a copy of any contract saying that signed by me). We've relocated and learned that other insurance would be much more beneficial, but Delta refuses to consider our request for termination, failing to provide any indication that the reasons stated were even read. Buyer beware! Look elsewhere and consider carefully before getting this insurance.

I've had Dental Dental though PERS for many years. More than 6 years ago one dentist completely botched replacing a lower jaw bridge. It was multiply defective from the beginning. Last September my dentist said it requires prompt replacement, otherwise decay could develop under one portion of the bridge and subsequently make it impossible to put it a new bridge and then multiple tooth implants would be required. And a second dentist consulted concurred. However, Delta Dental claims first that 7 years must have passed before they would cover its obligated 50% of the cost. Two, Delta Dental, in its notification of refusal to cover the cost of an otherwise requisite bridge replacement procedure, also claimed that even if coverage were allowed, another porcelain appliance is not acceptable, rather only gold, even though dentist's office states that there would be no difference in cost between the use of porcelain and gold.

I don't even know where to start. I've had this plan for 7 years and it is less than useless, if that's possible. Their list of providers is non existent and when I asked for a periodontal referral within network, they gave me 4 general dentists (one over 50 miles from home), an MD and a Vet (no, this is not a typo, they gave me a veterinarian as a periodontal referral!)

I have had to change dentist twice in three years because Delta Dental puts restrictions on Dentist on how much they can make on any given procedure. So, the Dentist stop accepting Delta because they won't be bullied into Delta Dental fees, I completely support that. I called to get the max allowance for a filling charge and Delta said they can't tell me that, they said I have to submit a claim. So, I asked for the claims department so I can ask them, and they said they can't transfer me to the claims dept. This is a joke, so I have to go in blind not knowing what I am going to be responsible for if I decide to keep using the same dentist and just pay the difference. This is an awful company. I would cancel if I could, but the year has already started, I can't cancel through my employer.

Nowhere on Delta Dental's website does it state that they only allow $1050 for upper dentures. My dentures were $2500 and instead of paying the 50% or $1250 that Delta supposedly pays, they only paid me $500 minus the $75 deductible. Worst Dental Insurance ever. Will definitely be canceling my policy when open enrollment starts up again.

Be prepared to do the BAIT & SWITCH, that should be the new name for the company. I wanted a full refund because I wanted to get braces, you have to pay in advance & you're not given the proper info which should be explained FULLY by a REP who should know the difference between PPO & HMO & what is covered. When price is too low buyer beware. I'm not able to get my monthly deposit back & never got my braces. Called 21 Drs. off the list on the portal only for them to tell me DELTA DENTAL/DELTA USA take very long to pay them & that is why they are no longer in network with them. They suck.

We hold two insurance policies, one under my name and the other under my wife's. Unfortunately, Delta Dental has rejected all of our claims this year related to our son. Their reasoning is that since my wife's insurance covered a larger portion of the costs, they refuse to contribute the remaining balance. I faithfully pay my monthly premiums without fail, so it's disheartening that they won't fulfill their obligations. I strongly dislike this insurance and wish my workplace offered an alternative provider. This insurance company falls short of meeting the standards expected of a reliable insurance provider.

This provider is through my employer. The insurance is no longer accepted at my dentist due to Delta not working with the dentists and always pushing for less coverage for the PATIENT. This insurance should be removed from my employer as an option with a better option offered and I have reported this. Other dentists are dropping Delta for the same reasons. Also their customer service is THE WORST. No help, no answer to a call - constant pushing your call to the next person or not answering at all. If you can pick ANY other insurer.

If you are under the Delta Dental federal benefits retiree plan, get a different provider. Almost no dental offices take the PPO provider plans out of California. The amount of nonsense I've had to go through just to use my insurance for a basic cleaning is ridiculous.

My wife recently turned 65 and now has a Medicare advantage plan! Because she has a medicare advantage plan Delta Dental WILL NOT PAY ANY BENEFITS to my wife. They are the Second payer. Even though we PAY them for a policy, they state that they are NOT responsible for any money if Medicare pays what they would normally pay for dental work. My wife had two teeth extracted and the bill was $956, medicare paid $346 and Delta dental sent her a check for $154, THEN sent her a letter stating that they wanted their check back as they paid in Error. WOW. We will take your money, but won't pay you ANY BENEFITS.

I got this AARP sponsored insurance policy not realizing that there are only a few dentists who take this insurance. I wanted to cancel this policy and be reimbursed 100% since I never used this policy this year. I am being denied any reimbursement due to the "timeframe for buyer's remorse" which I never saw documented anywhere in your literature. I do not consider an insurance policy that only offers few dentists serving an almost 400 square mile region (Dallas) to be much of a policy. At the beginning of the year there were many more dentists available.

Delta refuses to cover the cost of fixing a cavity, their reasoning is because it is concealed under a crown. They would like me to pay the 1100 to replace the crown after fixing the cavity. Think it is about time to look elsewhere for dental insurance. This policy sucks.

We pay Delta dental clear choice plan $ 99.00 dollars a month for 2 seniors for cleanings and extra 2 times a year but they don't tell you they don't pay for evaluations which is $65.00 per visit. It's cheaper to pay out of pocket than to do this plan. Total rip off.

My employer provides my dental plan through Delta Dental. The level of customer service is abysmal. Try to register for an on-line account and you will likely give up in total frustration. The Internet is filled with negative reviews on this company. Makes me think management is asleep at the switch or more likely, just can't be bothered. I am going to try and convince my company to switch providers.

I called with two very simple questions. Are either of these two dentists in your network. Gave the names and addresses and sat on hold for 30 minutes for them to tell me they don't know. Are you ** kidding me??!!

They are the worst dental insurance I have ever had, and I only have them through my employer. DO NOT buy if it's not an employer. They hardly cover anything besides your semi-yearly checkups. Prepare to pay out of pocket for everything, and its expensive. Good luck disputing claims, you won't win. And have fun being cycled through the never ending vortex of customer service transfers when trying to speak to a person.

My son is covered under this insurance for his braces. The procedure was started on 04/28/2022. All documents required by the insurance company have been submitted multiple times since 04/28/2022. 19 calls later to customer service who responded that we still need more forms, some said they had everything they needed, and others said they would look into it. With no results. I have emailed the claims service using their website under Contact Us 9 times and got an email saying they will respond in 3 business days but never get a response back. It has been 1 and 1/2 years of filling out forms, making phone calls, and submitting the same documents over and over again with no results. My son will have his braces off soon and I have not received the 1500.00 dollars that is owed to me. However they have received my premium monthly for the past 9 years.

Paid for a friends dental insurance with my credit card. A year later, auto-billed me for renewal because “it was the card on file”. Called, was told they *couldn't* reverse their charge, would need to dispute with credit card. So, I help someone out, and this company keeps my card on file AND auto renews at my expense, and refuses to correct. If you pay them, pay with cash. They covered very little of my friend’s dental work (no perio, half of a “assessment”, no denture providers accepting new Delta patients, etc) providers were difficult to find, so maybe avoid them completely.

Worst Dental office, they will drain your insurance before they clean your teeth, at the end you will end up paying from you pocket. PLEASE! Avoid this dental office in Modesto C.A. They never clean my teeth but they drain my insurance with another **, then they ask me to pay from my pocket.

I have Delta Dental through CDPHP, it has been a nightmare to be reimbursed for dental work. I call and got told several different versions of stories. I was lied to and told my paperwork was never received, I received a letter saying it wasn't received and the very next paragraph told me they received it. The only dentists they seem to want you to go to are Aspen Dental which are HORRID!!! I went to my dentist in May, still no clear answers. The staff are extremely incompetent and UNPROFESSIONAL. One man, Ron answered me with "CoolBeans." I can't even comprehend the ignorance. I was given an address to send it to, I did, it is on the insurance card, yet the website gives you a DIFFERENT address, no clear direction.

In purchasing an AARP Delta Dental, I was led to believe, from their website under a heading called “plan details”, that the policy pays 80% for “oral evaluation.” In trying to drill deeper on their website, I could not find any more detailed benefits documents. Instead I encountered “we are still working on displaying your plan documents.” I paid $385 to an endodontist for a root canal evaluation. Delta Dental reimbursed only $28 of that. One of the items in the claimed mentioned “This service is not covered – please read your evidence of coverage.” Such a document was not provided to me and is not available on myaarpdentalplan.com website

I submitted a claim a year ago and I have been disputing it. I no longer have this insurance and they refuse to answer my claim, they do not update my address, they are basically taking me for a ride. They owe me+1000 dollars.

I have been calling for 3 days and always busy. There is NO customer service. Buyer beware, you will pay your premiums and get 0 help when you need it… this is not an insurance company. This is a scam to get our money.

Avoid this company, it is absolutely a scam. The customer service is horrifically bad. Once you sign up they won't let you go. They just keep taking my money and make it impossible to leave. Stay away from Delta Dental!

What a joke this company is. I recently enrolled in a PPO plan (over $50 per month in premiums) so that I could continue to see my out-of-network dentist. I had Guardian Dental before and paid a lower premium; however, I switched jobs so moved over to Delta Dental. The plan promises 80% reimbursement for out of network benefits. I saw an OON provider for $250, but Delta's "allowed amount" was $41. Yes, you read that correctly. So my reimbursement was $32.80 on a $250 bill. And I pay $50 monthly for this plan. You do the math. A complete ripoff and disgusting reimbursement rates for the premium I pay. If I wanted to stay in-network I would have paid a much lower premium for a plan that only had in-network dentists. I am hoping to drop this ASAP and will go back to Guardian as an individual member.

I am turning 65. I was told I should switch from regular Delta Dental to AARP's Delta Dental. They never paid any of my claims ever. I canceled it. I know insurance companies can be evil. But this company takes the cake. Don't fall for the scam.

THE absolute WORST company I've ever dealt with for anything. Terrible coverage, almost IMPOSSIBLE to cancel. They hold you hostage contract wise. Haven't used them for years yet have had to continue to pay them. AWFUL. DO NOT RECOMMEND.

I was told by my dentist that Delta Dental pulls random names and then refuses to pay claims on people. Even after appeals and letters written by my dentist. Delta Dental is not paying their half! Beware.

I had Delta a couple years back, no problems. This time I try to contact. Not only is it nearly IMPOSSIBLE to find a phone for customer service, you are left on hold FOREVER! I chose an option for a call-back after FINALLY getting a number. They call back and before I can even get the info I need the phone goes dead from their end. No hang up, just total dead zone. Call back and I'm on hold again for 15 minutes, try to enter number for call back, message says I need to hold. 15 minutes later I hung up. I'm telling you it's the worst!

The waiting period is 9 months for major restorative (Comprehensive and Prime; Enhanced not covered), endodontics (all plans), periodontics (all plans), oral surgery³ (all plans) and prosthodontics (Comprehensive and Prime; Enhanced not covered). Why would your plan have a veteran in need of the above-mentioned have to wait nine months to have service done. I verified this with a Delta benefits representative. And for Major restorative² Crowns; not available under "Enhanced Plan".

So my dentist submitted a bill to these clowns and from a total of over $3K I got just enough money back to cover the cost of gas to and from the dental surgery. I understand that my dentist is out of network but this is ridiculous and a rip off. After talking to customer service I felt like I'd been coned and that I needed a shower. To be honest I should have written this review years ago. I get this insurance through work and it's always been this bad.

Customer Service: BE READY TO WAIT HOURS! Don't you love getting the customer service runaround? On with one agent, spend some time... he/she takes notes then passes you to the next agent whom have no idea why you're on the line? Back to Square 1! Then when they can't help fix the situation... back to the cue w/ you! Product: I pay premiums through my employer every month, what do I get for it? Essentially just a teeth cleaning, that's it! Need a crown? Worse, an implant? Expect NOTHING! I'll be dropping my dental insurance. To think I paid the higher premium, too!

I carefully reviewed dental insurance sponsored by AARP. Agent outright lied to me. Misled me at every opportunity. Once I realized I had been “had” I cancelled the very next day. They say they will refund my deposit. They lied about everything else so why should I believe that?! Don't be fooled. Don't waste your precious time. Avoid these scammers.

I have two insurances with Delta Dental. They would not cover a procedure that is clinical proven to be the best after 15 years. Filed an appeal and it was a runaround. I have two dentists because the first stopped working with them, now the second has done the same. So they are screwing the dentist and the patient. Nice. I intend to continue to share my voice.

I enrolled in Delta Dental through FEDVIP. They were horrible. At the end of this enrollment period I have two claims that are still outstanding. The dentists in the plan that are near me are not rated very well. Many are not handicapped accessible. I got a much better deal directly from my dental provider. Never Again!

I've been paying monthly for years and have never used the insurance. None of the dentists in my area take them. I've tried to log in online and am locked out of my account with no way to recover it without calling in. When I call in nobody answers and I eventually give up on holding.

Horrible insurance company!!! They sent us a check which was never received. We called twice, they said they stopped the payment and would issue another check. 2 weeks later, still nothing. Very shady business. The company must be investigated for fraud!

Delta Dental has always been horrible as far as any customer service goes, but these days, you have to hire who will work I guess. However, TWICE now a dentist has dropped this company due to massive administrative fees and turn around time for claims- often claims just go denied even if coverage is claimed and if lucky, the dentist absorbs the cost. I think Delta Dental knows this and exploits the small business owned dentists and that is unethical and just plain rude. This company needs to be reviewed for its practices; as a forensic accountant I can guarantee they would find misused funds with this company!

Customer service is the worst: long wait times, unreliable reps & being placed on hold indefinitely. I was given a major runaround since 5/31 to date trying to collect on 2 claims. I dropped the policy. Chaos and confusion and not good for my health. Buyer beware!

They lost a claim for over 25k in dental work I paid my dentist for in advance and that I sent to them certified return receipt requested. (Their total reimbursement liability was $1500,) I had to track them down. Send documentation of other claims paid by my other insurance. They then lost 9R. Misfiled that. They don't have a way that client can contact them by email, if you mail or fax things they don't acknowledge receipt. They don't provide updates, but simply deny claims because they've lost paperwork or don't read that which is submitted. It seems that they do whatever they can to avoid and obstruct paying valid claims.

This is an absolutely terrible company, and the biggest financial scam I’ve ever encountered. They intentionally make bill processing extremely difficult in order to dissuade their customers from using the dental services they’re paying to be covered. Instead of paying my dental office directly after I paid my deductible, like every other dental insurance company, they refused to pay them what they’re supposed to, and instead sent me checks and told me to cash them instead! Without telling me that that money was actually supposed to go to my dental clinic! Now I’m facing a huge financial debt trying to pay back what Delta Dental had told me to cash in the first place, over a month after they sent me these checks! Why is this company run this way?? I swear as soon as I can I’m switching to a different company, because this is absolutely insane!

Hi. I recently purchased dental insurance from Delta. I purchased their most expensive plan. Apparently their customer service needs a lot to be desired. The website says payment overdue paper bill says payment not due. I cannot get in touch with anyone either over the website or the telephone. I would recommend avoiding this company unless they straighten this out immediately. Apparently you cannot get in touch with them as of September 22nd 2022.

No decent dentist or specialist will work with them, those few that do accept it are mostly sub-par providers, whose malpractice Delta will arbitrarily refuse to investigate. As a company, Delta does more harm than good.

They make it impossible to get a letter stating proof of Up-to-date payments and Current membership which is necessary for recertification in senior apt bldgs., food stamps, etc., etc. They don't even offer that service!!! Yet you're paying every single month. You've been paying thousands over the years...and they can't even offer this needed documentation.

Before my policy even started I called and canceled because none of the dentist in my areas will take this insurance. I had paid for a year upfront through AARP. They said they will not credit back your credit card. That you get a check in the mail within three weeks! So over $800 that I need for a new policy they will not give me even though I don’t even have an account with them with a policy that ever started! I had it escalated and they said they would try within 24 to 48 hours to reimburse my card and it’s been almost a week and no one answers the phone or calls you back. Horrible company to do business with and I don’t recommend them to anybody. And don’t get the HMO because those Dentists have one star ratings-get the PPO if you dare!

I broke my dentures in Dec. 2021. Work was done and forms sent in. Was told it would take a month to process. Was then told they would pay $644 of the total cost of $1800, but they were still missing info. Resent info again, and again, 4 or 5 times. Then 9 months later they tell me it's not a covered procedure! Why did it take them 9 months to decide this and what good is dental insurance that doesn't cover dentures! Also, on the rare occasion you could reach a person they were snippy and not helpful at all!

JUST GOT RIPPED OFF by Delta Dental. Months ago, I submitted proof that I had an emergency and showed a statement from the dental office that I paid out of pocket $1764. I submitted a claim to Delta Dental and I received a letter which promised me reimbursement of $100 (OBVIOUSLY) I SENT PROOF! Months passed and no check!!! I just called (again) about my check and I was told that I had to send additional proof (WHICH DR DID WHAT, ETC). I don't have the energy and time to fight over $100. Hope they send my $100 to the food bank--Christmas is around the corner!!!.

Use a different dental insurance company. The customer service is horrible, not helpful but argumentative. Not clear on what is covered or in-network or requires more documentation. I shouldn't have to purchase a service and have to fight for the service to be fulfilled when filing claims. This company should be sued for their misinterpretation or representation that this company has good dental coverage, THEY DON'T! I repeat THEY DON'T, I would check out other companies or ask your dental office if they have other options for payment. I do not trust this company and will be opting out of it the next time my employers open enrollment time (or in my situation, disenrollment time). Insurance companies like this one, is destroying our health system in this country.

Terrible service. Trying to talk with somebody through their web portal about my deep gum cleaning. (My dentist suggest they are supposed cover it but they didn't). After one week, they replied someone will contact me shortly. After another week, they say shortly means one month. After two months, still no one shows up. I tried to contact with them multiple times and no one ever talk with me anymore. Most ridiculous customer service I have ever seen. Will never recommend to anyone I know.

I have wasted dozens of hours of my life trying to get very simple bills paid through Delta Dental. My dental office has also reported, in their words, a "nightmare" trying to work with the company. It's hard to tell whether their agents are inept or the company is just unable to function due to poor management. My dentist is in-network, but Delta continues to treat them as out-of-network. During the pandemic, I received checks--without Delta ever explaining what they were for or as a baseline, including a note stating what they were for--for these supposed "out-of-network" services. I thought these were refunds, because a few companies, including my university and BCBS, gave refunds during the pandemic because people couldn't visit the doctor.

Just the normal. Happy to take your $$$, hand over fist, for shoddy care and services and labyrinthine, tortuous and torturous customer service, hoping that you die before they ever have to connect with, help you, or resolve an issue.

I have used Delta Dental in the past and have been happy about the coverages. After renewing my policy and not looking at the coverages, which have changed, I realized it is no longer worth the money. I pay a total of $148 a year which is good. However, it literally covers nothing. I got my teeth cleaned and had to pay a $65 deductible. The cleaning without insurance would have been $95 so I've already overpaid by $118. I also had a crown replaced. They covered zero. So I will be cancelling this for not only myself, but for my family members.

I have had Delta Dental insurance for several years. Since covid and in 2021 and 2022, every-time I have submitted a valid claim, they delayed payment for unreasonable reasons. They have made it much more difficult to reach a representative to talk to. I had to call them multiple times in-order to process a claim. Claim rejected with no reasons and they have tried in every possible way to make it more difficult to receive payment for a valid claim. I believe something has changed and there may be bases for legal actions about this company. Delta used to a good insurance company but I don't recommend them anymore.

I have Delta Dental through my employer and also as an individual policy. I thought this would be advantageous due to needing a lot of dental work. All they do is deny my estimates, even on appeal, I am denied. They state that they do not cover "erosion". But when the enamel on your teeth is "eroded" to the point of being unable to tolerate hot or cold or air you can't say you have good dental health. My dentist staff has diligently applied, appealed, resent information over and over and each time the work is denied by Delta. What is the point? For 20$ a month my dentist will do cleanings and X Rays and take 20% off fillings or any other work that is needed. That is better and much less headache than Delta. Insurance companies have ruined healthcare in this country. I'm cancelling Delta tonight and am glad to be rid of them.

Benefits are terrible. Customer support is terrible. Wait Times are terrible. Dentist selection is terrible. Overall not one redeeming feature. This is even worse than most companies today. They sell you on service and don't deliver.

I called in because a claim, which can only be submitted by mail, was rejected because the first representative that told me how to fill out the form (by phone) missed the "procedure code" box. The 2nd representative wasn't aware that the form could only be submitted by snail mail, they'd also never seen the form and couldn't help me fill it out. When I asked for a list of procedure codes, I was told to google search to random sites. Heaven forbid I have a procedure other than a cleaning. What a mess. @Delta, please fire your CwhateverOs and get an engineer-intern to make you an online claim-submission form. Jesus Christ. It's 2022. Hell, I'll do it for free.

They canceled my account for not paying premium but I had a credit card on file for autopay. Could not talk to anyone other than Tiki, Sylvia, Tamara. They kept putting me on hold and never transferred me.

I've had many providers over the years (like Metlife/BCBS) and Delta Dental has the worst customer service that I've ever gone through. I signed up for their DMO plan under my employer and in no circumstances did they provide which specific dental facility that I was going to be assigned to. So upon visiting my regular dentist for an annual cleaning, the coverage was not accepted. Multiple attempts were made by me and associates from my dentist's office to their customer service. All of our calls were hanged up. I waited an hour to get to a representative (Yvette) and once I mentioned my problem, she hanged up the call.

So I have had Delta Dental thru market place since 2018. In April of 2021 there was some confusion from market place to Delta Dental. My coverage fell apart. I called Delta Dental. Reinstated me. Convinced me that I should switch directly and they would consider the two years as part of the switch, I started going for my bad tooth that broke to two pieces and I was in severe pain. Now I have paid 2500 dollars out of pocket so far because I am told this is new coverage. The previous 2 years don't mean anything. It was paid under the same SSN number. Plan was 50 dollars cheaper thru market place. They first told me it will be the same but have been taking out more. I did not complain. I figured they are giving me full coverage. Insurance companies SUCK.

I've noticed that there are some glowing reviews of Delta, and many more negative reviews. Why? I think part of the discrepancy may be due to the 2 forms of ins. they offer, one is thru employer, the other for individual. So, since I've never had it thru my employer, I can only speak to my experience procuring individual "insurance". As such, I'd recommend stay away from them. One thing that should alert your ** detector right off the bat is that they do not allow you to dis-enroll for one year, in other words you must pay them premiums for a full year. That is nonsense, I've never heard of any ins. that does not allow you to "cancel at any time". Only Delta. So after I subscribed for a year (while wondering why they didn't really pay much even for cleanings), I started year two.

Delta care USA is the worst plan I have had in my career. Thought it was normal dental insurance. It only covers Aspen Dental or Great Expressions. I don’t want the McDonalds of dentistry. Going to get a cleaning and run from this plan next enrollment.

DeltaCare USA is the worst dental plan I've used. When I signed up for the plan I was told maintenance visits were free, but after I went for a dental visit they would charge me $30 copay for teeth cleaning and x-ray. They don't allow you to just go to any dentist in their network. Instead they would assign one for you. When I needed to use another dentist, I had to call them several times to get reassigned. First they got the new dentist's fax wrong, then their phone line couldn't understand my enrollee ID, then they got the facility code of the new dentist wrong. It was horrible and frustrating. Do yourself a favor and don't use them!

Most, if not all, providers on list have the lowest reviews. My experience with two different providers is that they have extremely inflated prices and find dental “needs” that do not exist. My estimate from one: $7000 worth of work needed (1 year after having everything check out fine). Another: full set of x-rays yet “don’t know” was the angered answer to my asking if there were cavities - after I told him I wanted no cosmetic work done at the time. After three tries I still don’t have new cards requested.

Need better coverage for flippers and temporary fixes. Also need to be more helpful with implants and grafting. Customer service is hit and miss. Overall, the Clear Plan they offer may be the best, as there is no way for the company to back down for any coverage, since all coverage and copays are in black and white.

Since I have had my teeth removed and replaced by dentures there have been problems that had to be fixed or totally replaced by my Dentist. Delta has always provided a great amount of funding to support those fixes and/or replacements. I appreciate their benefits.

They pay for almost everything. Last time I was there to have a tooth pulled and cut out. They paid all but 67 dollars. This insurance is well worth it. I have had them for over 10 years. They are the best and will not change.

The Dental Insurance barely covers any work that needs to be done - I was actually told it would be cheaper to just not use insurance. The only thing the insurance was good for was the cleanings and x-rays.

Delta Dental is affordable insurance. I get 2 free cleanings a year (and I need deep cleanings) I usually don't have any out of pocket costs. I got 2 crowns for the price that I would normally pay for one.

I have Medicare and Delta Dental is terrific. I no longer have "sticker shock" pricing... reasonable charges for expected situations. I had a 20 yr. old crown that came loose. And I walked out of the dentist office with $0 charge! I have regular annual maintenance which is very reasonable. I'm so happy again, to see the dentist. I'm 61 years old, and smiling again!

This is by far the most horrible customer service I've come across for years. Your employer would pay 30k USD per year, for your health and dental insurance, and yet Delta Dental will allow themselves to be rude, inattentive, totally disrespectful to your time, you'd find yourself chasing after their endless errors for 8 months, exhausted and speaking to walls. Their customer service representatives tend to be extremely unprofessional. But Delta Dental controls the market, blocking all competitors, so they know you have nowhere to go. We should work hard with legislators to put an end to that.

I am happy that I have this service since Dental costs are so high. I think they cover the basics really well, but when it comes to a really big procedure like a crown or root canal, they cover around 50% or so. This certainly helps, but considering the cost is usually around $1200, it still leaves me with a significant bill.

They pay for very little, I still have to come out my pocket with a lot of money for services. It slows up with me getting dental work because I have to pick and choose what comes first which is not cool.

Easy to use. No nonsense, just go and get it done. Show the app or paper and everything is ready to go. All major work seems to be covered. Basic services are covered as well. All you need in one simple to use solution.

I have had no problem with this company. They are very prompt in sending my reimbursement each time I go to the dentist. My Dentist requires payment upfront then they submit my claim. Within a week I usually have a check mailed to me.

Very limited number of doctors who will accept this insurance plan. My husband and I’ve paid out over $1500 so far this year in dental fees. One was for an emergency extraction that was of course out of network. Every dental visit costs us something because Delta Dental has refused to pay.

They have always covered what needed to be. Always answers questions. Customer service or agents are very knowledgeable and always able to attain answers to questions. The provider network at least in my area is extensive.

The best of the best. If it wasn’t for the coverage I get and the ease to use it everywhere I go I’d have real teeth problems. The coverage is the best I’ve ever had in my life. The ease of using it surpasses any I’ve had. Never turned away from any dentist. I have visited free cleanings 4 times a year, free X-rays and 50 percent off crowns, 80 percent fillings. It’s dirt cheap so my teeth are very well taken care of. They wouldn’t with others I had in the past. I can’t say enough great things about them except thanks.

Not enough choices for providers. The one I have charges more than my old dentist even with the "insurance". The one I have is also vision and is the same story. Glasses cost more than without insurance.

Delta always has great providers in their network of dentists. Their coverage is average, in that it only covers so much, but some of that can be based on my employer's investment into such a provision.

Haven't had any problems having Bill paid. Coverage is pretty good for average dental procedures. I would recommend it. Recently had a root canal and they paid half. Two cleanings per year totally covered.

Premiums are too high and coverage is too low. I run out of coverage every year and have to pay out of pocket costs for dental care. Don't think they have changed their coverage in years even though dental costs have increased.

Delta Dental insurance is worse than having no insurance. Delta will say your claim is covered and provide written documentation. The next day, Delta will deny the existence of that call and documentation. You can repeat this cycle endlessly. Being a Delta customer is a miserable experience, worse than any pain from a dentist's office. Be prepared for continuous misinformation and worthless coverage.

According to the plan, exams and cleanings are covered 100%, and the deductible is not applied to these services. So, how come I owe $70 for an exam and cleaning? The EOB is totally confusing, showing that services that should be covered 100% are still my responsibility. And unless you're willing to sit on the phone for a couple of hours, they will not explain anything to you. Never have I been this disappointed with my coverage.

My son was approved by Delta Dental before he had his wisdom teeth removed and a couple other dental issues fixed, but once the bill came, I was enraged that they lied and didn't cover ANY of the bill! I have spent months trying to fix this but nothing has worked! I am going to go on every review site and give them a bad review on them all! And I will continue to give bad reviews monthly about them! Then I will make sure I discourage as many people as I can from getting this crappy insurance company!

Crappiest insurance of earth. We are a dental office, and I have dealt with many dental insurances. This is the crappiest, and most unprofessional of the insurance companies. They have no idea what they are doing. If you want to do anything with them --- adding a provider, credentialing -- anything .. it's just a black hole. 4 months, and nothing will happen -- and you will have no chance to speak to anyone. Plus, their reimbursement rates are CHEAP. It's just a scam. I'm going to stop accepting Delta at our office -- at the first chance we get -- it's just that I don't want to upset some of our patients. THE MOST UNPROFESSIONAL COMPANY, I have come across.

In March of 2020 I needed a tooth crowned. Following the rules of Delta Dental of Massachusetts, my dentist submitted a pre-approval request for the crown. It was approved by Delta Dental. Shortly after receiving the pre-approval, my dentist closed his practice because of Covid-19 restrictions imposed by Massachusetts. When the practice was re-opened later that year I made an appointment to have the crown put in. The dentist’s office explained that the crown would not be seated before July 1, and according to Delta Dental rules, the claim could not be submitted before the work was fully completed. This mattered because my husband was retiring and would no longer have Delta Dental coverage.

The online transaction report is very confusing & never matches what I receive in the mail for a bill. This is my husband insurance but I have been calling about this since the beginning of the year. Now they tell me I not listed on the account so that I can talk to them about his bill. Also, for what it's costing, we are paying more than his regular cleaning. Not sure if the cost is worth it unless he has major work done.

I have 3 lines on hold I'm waiting on to answer. I spent the good part of my day waiting and wasting my battery. No one can answer my questions comparing policies and the website doesn't give details about coverage. They transfer me to the sales department and no one picks up. I started my call at 1pm PST. Does anyone know of any other dental insurers or is this a monopoly like Spectrum and I have no choice?!

Customer service always polite, concerned, & helpful. Dentist bills insurance first then bills me balance owed. Coverage adequate for most procedures. Additional coverage available at higher cost. Payment to provider always prompt.

Easy rates. Great payer when the bills come due. Never a hiccup after 10+ years. Clear concise billing. Cards are clear and help at the dentist. Two free cleanings a year. Easy to sign up and take groups.

I have been with Delta Dentist for over 20 years. They have been there for me through all my dental work. They are also there for my family. With all the procedures they have paid on time which keeps me from waiting to be seen by the doctor. They even help me from being overcharged on so braces. I received the cost of the braces from the doctor and when Dental Dentist sent me the breakdown of how much who pays what, I was being overcharged $1000.00. I thank them for that. They have been a great company to work with.though far.

The plan I selected does not cover much and I pay $40/month or $480 a year. Two cleanings a year but I had to have two caps done which after insurance cost $1400. I think I should shop around.

Had Delta Dental for over 10 years...Delta has good coverage and the list of providers gives the customer a great choice. Insurance is purchased through the federal government Benefeds program so our cost is very reasonable.

Doesn't cover fluoride treatments for adults even if you need it. Also you have to be in the plan for 1 yr in order to get enough help with extra procedures above cleanings and checkups to make a difference. Otherwise ok.

This insurance is more acceptable because it has more coverage and a good reputation especially when it is PPO. Delta Dental can approved amounts as payment in full without applying any balance billing to you (does not include deductibles, coinsurance, amounts above plan maximum limits, and charges for non-covered services). Also you are free to see any licensed dentist, but claim costs are likely to be lower if you see a Delta Dental PPO dentist.

Coverage seems good. Only minor complaint is having to pay my dentist in advance and wait for the reimbursement. The reimbursement usually takes 2-3 weeks or before the credit card charge is due. Otherwise Delta Dental has been great.

Customer services sucks. It is very difficult to contact a live person to help you and the automated service and e-mails transfer you to place to place without any luck. Dentists say that it is a good Insurance and I believe it, but they have to improve the way they serve their member.

This is one of two options of dental insurance through my employer. The other one wasn't accepted anywhere near me so went with Delta Dental. Our plan covers 80% on a lot of treatments and two cleanings per calendar year. There is a monthly copay and an annual deductible. The two cleanings are covered up to a cap amount, any cost over that is out of my pocket. So read the fine print as with all insurances. This year Delta Dental is covering the extra cost of PPE. However we missed out on a cleaning in 2020 due to covid closures. So I wonder how much money Delta Dental didn't have to pay for on missed cleanings. And I still had to pay full price for all of our insurance deductibles, copays, and the remaining 20%. I don't have much experience with other dental insurance. Without insurance through my employer we probably would not get dental care because we could not afford it.

This company is fine if the only thing you need is regular check-ups. But once you have a real problem - need a crown, a root canal, an implant, anything that is beyond cleaning and x-rays, they pay next to nothing. Once you use up your benefit, you have to wait until the next year, so if you have a dental problem and it's expensive, you're on your own.

Due to Covid-19, my son's College closed on 3/17/20 and as he headed to transport bus he fell and broke his front tooth at the gumline. The pain was excruciating. Upon arriving home in UP of Michigan, he called a local dentist who agreed to see him as an emergency since the office was closed due to Covid. Cash was required upfront before services could be rendered. The tooth was repaired and the pain was subsided. The Claim was denied by Delta Dental due to a "waiting period" before this type of service could be reimbursed, yet Delta Dental's own policy terms stated that Emergency Services would be approved without a wait period.