Delta Dental InsuranceReviews of deltadentalins.com

My husband and I signed on with Delta Dental in May. First we attempted to in April, by mail with a check. They "never received it" I was told on the phone by a very nice agent. I asked "If I sign up online, will they attempt to process the check when they find my original app?" She assured me that they would not, that when they enter the info into the system it'll show we already have a paid account and they won't process the form or check. I registered online. A few weeks later they tried to process the check...of course it bounced. TWICE. I contacted them to stop this process and request a reimbursement for late fees incurred. My request was entered. Nothing happened. I followed up and had to explain all over again, over and over and over again in one very long conversation because the first persons notes were not coherent. This person assured me he entered my request, wrote out coherent notes and told me to contact him directly a couple of days later to follow up. I followed up with him two days later and nothing. Absolutely nothing. So, I email a rant CC'ing him to DD. I was finally responded to a couple of WEEKS later. They apologized, requested I do a couple of things so they could proceed. I did. NOTHING. On top of all of this, it took a month for my husband to get into a dentist for a much needed cleaning and check up. That dentist only took a look, an x-ray and handed my husband an estimate for his first cleaning appt of over $400 out of pocket. SERIOUSLY? That is not what the price sheet says to expect. Not even close. I requested an inquiry into this and asked if my husband would be free to choose another dentist and make another appointment to get his cleaning. However, no one can be bothered to get back to us on this either. My husband says he feels like they pulled a Bait-n-switch on us. That is FRAUD! We've paid in full for the year and his appointment couldn't occur until well AFTER the cancelation deadline (convenient) we are stuck until next year. But I guarantee we have no plans on renewing. They are really going to have to jump through hoops and provide outstanding customer service (in other words perform a serious miracle) between now and then to get us to change our minds. I'm not holding my breath. OK: After going over the dentists quote with a fine tooth comb and a web search for terms I have determined the quote was for descaling and a filling...NOT the requested cleaning. That was my misunderstanding because I listened to my husband about his appointment instead of diving deeper. However, that doesn't change the fact that DD never responded to our concerns.

If I could give this insurance company a minus star, I would. These people are scam artists. They say one thing on their website and when it comes to pay, they reject most procedures or pay a fraction of the cost. Stay away from this company.

Delta Dental screwed me over. Fact 1: Just before my Delta Dental benefits were going to accrue at the six month mark, they dropped my autopay enrollment without my direction, or consent, or any form of notification. This created a lapse in insurance that effectively started the clock back to zero. Fact 2: When I contacted Delta Dental to ask them to resolve this, and offered to make the two payments they missed if they would reinstate my plan and honor my original enrollment date, they wanted to get me on the phone to "talk it over." I responded asking for a response in writing. Never heard back. THE END. Bigger picture? I would suggest trying a dental discount plan rather than an insurance plan. Helpful savings but often without a waiting period. Or just have a general rainy day fund for things like dental care, medical bills, car repairs, etc.

Attention: if you are looking for dental insurance! This is one company you want nothing to do with. Their coverage is so abysmal that dentists are beginning to refuse to accept Delta! The reason is Delta is reimbursing the dentist at rates that are lower than they were 30 years ago, changing what they will cover, and in many instances not paying for a service at all! The dentist doesn't this until after the fact. Some unscrupulous providers will over diagnose and over treat a patient just to make up the difference in the reimbursement. There are even providers that charge and then not even do what they are billing for! It is even worse for those people that sign-up for Delta or any insurance HMO... Be smart and read the fine print!