The PPO Decision Desk · Delta Dental vs.
Is Delta Dental good insurance? Compare it, plan by plan.
Delta Dental Premium covers more than most individual plans, including adult orthodontics, implants and a $2,000 maximum. The trade-off is its waiting periods. Put it head-to-head with any other PPO below and decide for yourself.
Is Delta Dental good dental insurance?
For most people, yes. Delta runs one of the largest dentist networks in the country, and its PPO Premium plan covers more than most individual plans: 100% preventive, 80% basic, 50% major and implants, plus adult orthodontics, with a $2,000 annual maximum. The catch is timing. Basic work waits about 6 months, and major, implants and orthodontics wait about 12 months, with the waits waivable with proof of prior coverage, so it rewards planning ahead. Terms vary by state. If you need a crown or filling right now, a plan with day-one basic coverage may fit better first. Compare it against any carrier below to see where it wins for you.
Delta Dental vs. your pick
Delta Dental Premium is locked in on the left. Tap any carrier below to compare it against Delta on coverage, cost and waiting periods, head-to-head.
👆 Delta Dental is your baseline. Tap another carrier to put it up against Delta.
California & Washington · age 65+On Medicare? You may already have Delta, through SCAN.
If you're 65+ on a SCAN Health Plan Medicare Advantage plan in California or Washington, your dental already runs through Delta Dental, a DeltaCare USA network benefit, with an optional PPO buy‑up. Before you compare individual plans above, it's worth seeing what your SCAN benefit already covers. It's a separate Medicare product, not an individual PPO.
Over 65 in CA or WA? See your SCAN Delta Dental benefit and how to find a Delta dentist before buying separate coverage.
See the SCAN Delta benefit
Found your plan? Lock in your dentist.
Nomination engine
Your nomination is already filled in.
We detected your plan and location, so the form is pre‑generated. Just confirm the dentist you want. If they're already in‑network, we verify eligibility; if not, our concierge team invites the office to join.
Pre‑filled for you: Plan = Delta Dental PPO Premium · Area = Rowland Heights, 91748 · Need = inferred from your comparison.
$150Capy Diamonds · 1st office joins
$175Capy Diamonds · 3+ offices
Delta Dental, common questions
Is Delta Dental good dental insurance?
For most people, yes. Delta Dental has one of the largest dentist networks in the U.S., and its PPO Premium individual plan covers more than most: 100% preventive, 80% basic, 50% major, implants and adult orthodontics, with a $2,000 annual maximum. The main trade-off is timing: basic work waits about 6 months, and major, implants and orthodontics wait about 12 months, waivable with proof of prior coverage (varies by state). If you need a crown or filling immediately, a plan with day-one basic coverage may suit you better first.
Is Delta Dental PPO worth the higher premium?
It is worth it if you want broad coverage and dentist choice: adult orthodontics, implants, a $2,000 maximum and a large PPO network. It is less worth it if you only need cleanings and the occasional filling, where a cheaper day-one plan covers you sooner.
What is the downside of Delta Dental PPO Premium?
The waiting periods. Preventive care is covered on day one, but basic services wait about 6 months and major, implant and orthodontic services wait about 12 months, waivable with proof of prior comparable coverage. Prior continuous coverage can shorten these. Always verify the exact waits for your state before enrolling.
One individual PPO plan is featured per carrier. Coverage percentages are in‑network coinsurance after the deductible. Delta Dental PPO Premium is offered to individuals in AL, CA, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, TX, UT, WV and DC; benefits and waiting periods vary by state, and typical terms are shown. Delta Dental PPO plans are underwritten by Delta Dental Insurance Company and affiliated companies. Medi‑Cal Dental (Denti‑Cal) is a California state program administered by Delta Dental of California; it is a separate product from any private Delta Dental plan and benefits do not transfer. DeltaCare USA is a separate DHMO product. This is a marketing comparison, not the plan policy; pricing, eligibility and waiting periods are verified with the carrier before enrollment. CoverCapy is an independent guide paid by the dental offices in its network, not by which plan you choose.