Delta Dental of Illinois

Pay a lot for a premium but get little for it

Sometimes very slow to process claims of not a network dentist. Also collected their monthly fee even when Dentists were shut down during Covid. Really showed compassion.

The product is okay for the price.

Delta Dental Insurance is in general very good, but I have been disappointed by the plan in the past year. While I've always gone to dentist every 6 months, because of 10yr autoimmune issue, we were watching my front lower teeth as were getting dangerously loose. Thus issue #1, that made me grade a 3. #1. After visiting orthodontist for 2nd opinion, plus an additional dentist for #3, all agreeing, it was deemed the only way to keep 4 bottom front teeth was to adhere them by a 'dam' behind them. Otherwise I would lose them and need total replacements. Delta Dental didn't think this was justified! #2. I know this is something extremely rare I hope, but: I have always paid for my dental plan through my employer. Unfortunately I also inherited the State of IL plan because my husband died recently. Even though the plans are different, be aware there is this little clause that states if you are covered by multiple plans of the same company, they only will pay from what is billed as the primary. Yes, I will drop my employers plan.

I pay around $825.00 per year and I still end up paying the bulk of my charges for visiting the dentist for good dental health, particularly the periodontist. At the other end of the spectrum, I understand the annual maximum benefit is so low hat it won’t cover all of a major procedure and certainly not one each for my wife and me. In other words, it seems I pay a lot without much comfort level.