Delta Dental Reviews

Turns down claims and pretends they did not receive the explanation of benefits. They do not respond well to out of network providers - which is where many of the good Dentists are. They make their higher premium package sound attractive; however, few dentists are in-network for their extended annual limit. In short, they are manipulative, heartless, bean-counting, scum.

Signed up last December. Got a first bill... What a bait and switch. This is a summary of the Explanation of Benefits:

My wife's claim for a $1000 bridge to replace an extracted tooth was denied according to Lily because our very expensive, highest-end policy covering "Major Services" at 50% has some secret contract exclusion for which they are unable to provide documentation and is only available from my employers HR department even though I explained this is not feasible because I am on COBRA and no longer have access to an HR department.

Various problems occurred getting set up with the Delta Dental USA plan from healthcare.gov; a lot of phone calls and frustration. I did not realize when we chose the plan that we were so limited by the choice of dentists. We chose one of the dentists recommended. The staff was unable to get through to Delta for weeks to obtain our benefits since the info was not in the Delta binder. Finally, the information was obtained and appointments were scheduled for my husband and myself. My husband, for some reason, was not linked to the dentist so I had to call Delta to correct that. Three days before my husband's appointment on June 19, 2014, the dental staff called saying they were cancelling because they could not service the influx of required patients by Delta.

They denied every single claim even for routine cleanings every 6 months which are covered procedures under this plan. I have a formal insurance department complaint against them and am pursuing legal action to pursue the damages for breach of contract. Stay away from Delta Dental!

Myself and my family of 5 have dental coverage through delta under retired gov't workers plan. We pay $200 every month to these people and now I have started getting the bills. They will not cover anything but preventative care. I was informed that I and my wife did not wait the required time after cleaning to have additional service, i.e. cap on crack broken tooth and a cavity filled in. Was told that must wait 3 months to be treated for a broken tooth (silly me, I thought that would be a priority). When trying to resolve the problem, I was put on a loop of incompetent operators, who kept sending me back to other departments. This is the worst child-like behavior from an insurance company and will lead to our termination. Met-life has a package which includes ortho. I will also inform every person I know retiring about their lack of quality.

I was in bad need of scaling and root planing as my gums were diseased, and my plan stated this procedure is partially covered. Delta refused to pay any of it the first go round, asking for more information as to why I needed the procedure (basically a novel). My dentist and I basically put together a large case with x-rays, etc. to appeal. It took months for them to even review it, meanwhile I had to continue the work being done (which would not be covered until the original procedure was approved). After three and a half months they finally denied the claim, saying that the work was preventative.

I purchased DeltaCare insurance from the healthcare.gov website on May 5, 2014 before the insurance starts on June 1st, and they deducted my account for it. On the effective date June 1st, I have not received the insurance card yet, so I was worried and called Delta customer service line. They said they have not received my information and to call healthcare.gov. I called HC.gov and they opened a case and said it might take them 30 days to fix it! I asked them what happens if it takes more than 30 days will I get a refund for the month that I paid but did not get coverage, they said to talk to Delta insurance about it. I asked if I could cancel my delta insurance but they said I would have to cancel my medical insurance altogether which I needed!

Paid premiums and never received a policy. Tried to call them to confer but my call was dropped off hold after 40 minutes. Tried again and recording told of a 1.5 to 2 hour wait. I sent them a cancellation notice and asked for a refund but received none.

I signed up for Delta Dental last November and then started my implant procedure. I was lied to from the get go. They told me that $2500 would cover everything having to do with my implant. Not true. It didn't cover my temporary $700, and also 6 months later, I cancel my membership with them but paid upfront the $2500 which includes the crown placement. But since I canceled my premium, they will not cover my crown and I owe thousands to the dentist :( - just horrible for someone who is on disability. Don't know where to turn. They could care less on the phone!!!

After many attempts to set-up an online account with Delta Dental of Iowa, my HR had Delta Dental contact me. Delta Dental sent me a "how to set-up an account" video which did not help of course. I finally reached Delta Dental by phone and was told that their computer system was down so they could not assist me. I called again which resulted in them telling me to call their Texas division to cancel a log-in that I had with a former employer. I am still trying to fix this myself. Delta Dental is worthless!

My son had 4 wisdom teeth removed 15 months ago. My oral surgeon's office submitted a claim, which was denied because they said we should pursue medical insurance first. Medical insurance denied the claim because they wanted a more detailed operative report. Both insurance companies kept referring back to the other. We finally received a final denial from our insurance company but now Delta Dental is saying the claim is too late! They have created multiple claims on the same surgery and now they can't even decipher their own notes! I was told the claim has been pushed to the Grievance office who do not answer their phones. They left a message on my phone saying they won't discuss this with me since my son didn't submit an authorization form for them to discuss his procedure with me! All the other multitudes of people I have spoken with over the months and no one ever brought this up.

They keep sending in lives for premium payments after written request to cancel my coverage. I can not get in touch with them via phone. I am 65 yrs of age. I have fed vip free dental cov from them thru kaiser Medicare. It makes me wonder their legitimacy. I feel very victimized! Are there others like me out there? They might be paying just to protect themselves! Delta dental's answer for my concern was to secure another secret secured line just to let me know that I am cancelled or not and to stop billing me! Please verify. Thanks.

I recently had a root canal done from an out of network dentist. The Delta Dental representative said it was ok to use this dentist and they would pay. Then, they refused the claim. We fought with them and asked the Labor Department of Missouri to get involved. They did and we WON!!!! Now, my son had three filling put in. They refuse to pay because the fillings are white instead of silver. What a bunch of crooks!!!

In January of 2013 Delta Dental faxed my Orthodontist an explanation of coverage for treatment. Delta Dental stated I was eligible for $1,500 in orthodontic treatment. I entered a legal contract with my orthodontist under the understanding that I would be legally and financially responsible for any amount exceeding $1,500. After Delta Dental's multiple denials to honor claim submitted by my orthodontist, I decided to contact Delta Dental myself.

During my bi-annual periodic exam and prophylaxis in June 2013, my dentist noted significant damage to the back (distal) of my first molar (DO19) and to the top of my second molar (MO18). He advised me that it needed to be repaired. I made an appointment for July 2013. I had no expectation that my dentist would use anything but composite material for the filling/repair work needed. Having had a number of fillings over the past 20 years, that's all any dentist I've been treated by has used. Upon receiving the EOB for this service, which was functionally a denial with a plan payment of $32.00 on charges of $478.00, I reviewed my Delta Dental PPO Plus Premier policy outline and noted the following:

I had dental work done and submitted the forms. Waited three weeks and no reply. I paid the dentist up front. Delta never responded and after calling them they said they never got the forms. Mailed the forms AGAIN. Got them back with a form saying the teeth numbers and service provided was not on the forms! Called them again and after talking with a supervisor was told the info was good and to mail the forms back to them. Today get ANOTHER letter saying the dentist didn't put the service date on the form. THE DENTIST DID! I will call Monday and if they don't comply I will make a complaint to the state Ins Commission. If needed I will file a small claims suit against them! A HORRIBLE COMPANY.

This is the worst dental insurance company there is. They will pre-authorize services only to deny them after the fact! Stay away from Delta Dental!

I tried to pay for my first month's policy online. When I entered my information, I got a message that my payment could not be made online. When I called customer service (after being on hold for over 20 minutes), I was told I could not make my first payment online. I cancelled my policy, but when I got my billing statement, they had used my credit card to charge 8 months' premiums. When I asked for a refund, it took over a month, and they did not refund the full amount. I am still waiting for Delta Dental to respond. They still owe me a refund for two months. Regular customer service agents are rude and unhelpful. I spoke with a supervisor and even though she said I would receive a refund, I have still not received the full refund.

I chose Delta Dental on Healthcare.gov. They do not allow me to pay for my insurance but tell me that only after I have entered all of my credit card info on their website. They do not try to be helpful, then connect me to Healthcare.gov saying I have to pay through them. Healthcare.gov insists that Delta Dental should accept the payment. They won't, but now have all of my personal information, including my credit card information. DO NOT SIGN UP WITH THEM. I THINK THEY ARE A SCAM. When I told them I would find another company, they sarcastically told me to go ahead! Their agents are rude and unhelpful.

Delta Dental has denied almost every claim submitted. Many of my co-workers report the same. I am dropping and will find a better plan.

They kept on saying that they were mailed and will receive in a few days. I kept on calling = getting the same answer. Till today, I threatened them with a complaint to the US Attorney, then after all the aggravation, I was E-Mailed the certificates. I do not believe they are legitimate. Their only purpose is to pickpocket.

Customer service is terrible. They reject every claim you have, and will not refund your premium, even though the salesperson said they do. My son has a severe condition that requires him to be under the treatment of a pediatric dentist. Delta Dental told me to send in a letter from his medical doctor so that they can approve the treatment. I did, and received a rejection letter from them. I called to cancel my policy, which they did, but denied my refund, which they initially told me they would authorize since I couldn't use my plan. So basically, I wasted a ton of money and 3 months of effort in trying to get care for my son and they canceled my worthless policy while keeping my money. What a scam!!

I retired from Raytheon Co and decided to retain the Raytheon Delta Dental Ins. I took out the low cost insurance due to Retirement Status and fixed income. Surprise, surprise. Don't do it. This insurance company will be taking you for a ride. I had a filling fall out and was needing immediate attention. The Dentist told me to fix the problem right, I was needing a crown and that the crown would be attached to 2 teeth. I thought this was correct because I was having problems with food trapping between these 2 teeth, for years. Ok let’s fix the problem. Well, this is costing me over $1300 dollars. Delta is not paying a dime. Zero. I have been retired for 5 years and making insurance payments. For any future Raytheon retirees, either take out the most expensive Delta insurance or don't go with Delta. Hard to understand how Raytheon is allowing this type of benefit to retired long time employees. Bummer.

I got an unexpected $400 bill after I did what I reasonably could to ensure that I know exactly how much of the procedure would be covered and how much I would need to pay out of the pocket. Thanks to Delta. I needed to do root planing. I have two dental PPO insurances. Delta is 'secondary', meaning they pay after the 1st insurance paid. Okay, fine. I requested the dentist to provide confirmation letters from both insurances to make sure I know what, if anything, I would have to pay out of pocket.

I paid a little over $600 a year for coverage. They don't cover anything. I specifically asked my dentist to find out if my x-rays were covered before doing them. The office called them and they said that they do. But when my office submitted the claim, they said that they don't. They literally cover less than 1% of anything else. I'm cancelling my coverage immediately. I can't believe they are in business.

I currently have the Delta Dental Select Policy. It costs me $24.08 per month. I recently went to the dentist for a cleaning and was told that I needed a couple of aging fillings replaced and a night guard due to teeth grinding at night. I was a little upset but figured this is why I pay for dental coverage. Upon checking out, I was told my portion would be well over $1,000.00 and this was not the worst part. I was informed that the Delta Dental Select Plan will only pay $500.00 maximum per calendar year for coverage.

In October 2011, we applied for a AARP Delta Dental for a dental policy. About six months later, we discovered that when attempting to make an appointment for some dental work, we discovered we had never received a dental policy from Delta. Checking our bank records, we found that Delta Dental had withdrawn monthly premiums from our account at least five times. They also admitted that they would have continued withdrawals had we not canceled the withdrawal option. We called Delta Dental regarding our not having received our policy or an ID card. They said they mailed it by USPS first class mail and were not responsible for its delivery failure. We then were complied to call our bank to cancel the Delta account. This action cost us an additional $30.00 expense.

My family has had Delta for years and every single time I have filed a claim, they have been unsupportive or stated that I have no coverage. Do not trust this company! If you want to fight tooth and nail for your coverage every time you have a cleaning, then Delta is right up your alley, otherwise no insurance is better than Delta coverage.

In May, my wife Jennifer ** received a pre-treatment estimate for procedure D2750 Porcelain/high noble crown, showing that Delta Dental would pay $427.80. However, after the procedure was done, nothing was paid. I spoke to two different representatives at Delta Dental and called the Lockheed Martin employee service center. All insisted that it was not paid due to a non-duplication clause for my group. The non-duplication clause does not apply in this case because MetLife (my wife's dental plan through her employer) paid $0.00 for this procedure so there would be no duplication if this claim were paid. The pre-treatment estimate clearly shows how much is supposed to be paid and in the Notes Section, it acknowledges that the benefit is secondary to another plan and benefits have been adjusted based on the non-duplication of benefits. The last Delta Dental representative I talked to confirmed that the insurance company is uncoordinated in accounting for primary insurance in the pre-treatment estimate.

I contacted Delta Dental in February 2010 by phone. I mentioned I needed a dental plan to enhance my current insurance plan and they sent me information. I took out a policy starting March 1, 2010 and paid $37.00 per month until August 31, 2011. I never needed to see a dentist until May 2011. My dental office filed a claim for general cleaning. Delta Dental denied the claim. When I called, I was told it was because they were not my primary insurance. Then in July 2011, I was told by my dentist that I would need two major root canals. And the office called Delta Dental to find out how much they would pay, so I could figure out what my part would be.

For over a month, I have been attempting to pay my bill. I have as of now spent over 3 hours on the phone with Delta Dental's service representative, never the same representative twice. We have three different residences; Hawaii, Washington State and New Westminster, BC. I used my wife's Visa card which lists both the New Westminster, BC and Seattle address for credit card usage. Several times I was told by Delta Dental that the bank did not recognize the address. Each time, my wife phoned the bank and was told that the bank had authorized payment but that Delta Dental had cancelled the transaction at their end.