Last updated: March 2026
How Much Does Delta Dental Insurance Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Delta Dental PPO Individual (monthly) | $0 – $0 | $20 – $40 |
| Delta Dental PPO Family (monthly) | $0 – $0 | $40 – $60 |
| DeltaCare (DHMO) Individual (monthly) | $0 – $0 | $10 – $25 |
What Affects the Cost
- Your age, location, and health status
- Coverage level and deductible chosen
- Provider or carrier
- Claims history
- Credit score (for some insurance types)
- Discounts available (bundling, loyalty, safe driver, etc.)
Insurance Coverage
Typical coverage: Delta Dental is the nation's largest dental insurance provider with two networks: Delta Dental Premier and Delta Dental PPO.
Insurance costs vary widely based on coverage level, location, age, and claims history. Shopping around and comparing quotes is the single most effective way to save money on insurance premiums.
How to Save Money
- Compare quotes from at least 3-5 providers
- Bundle policies (home + auto) for 10-25% discounts
- Choose higher deductibles for lower monthly premiums
- Ask about all available discounts
- Review coverage annually during open enrollment
- Consider employer-sponsored plans which subsidize 50-80% of premiums
Related Procedures & Costs
Frequently Asked Questions
Delta Dental individual plans cost $20 to $40 per month. Family plans cost $40 to $60 per month. DHMO plans are cheaper at $10 to $25 per month but have more restrictions.
Delta Dental is consistently rated among the best dental insurers. They have the largest network of dentists in the US and cover 80 million Americans.
Individual Delta Dental plans typically have a 6-month waiting period for basic procedures and 12 months for major procedures. Preventive care is usually covered immediately.