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Delta Dental is one of the biggest dental insurance providers in the United States. They offer a variety of insurance plans, catering to different needs at a good value.
There are three main categories of insurance plans offered by Delta Dental:
There are several more options to choose from within these categories. For example, there are five different plans within the ‘individuals and families’ category.
Delta Dental coverage is also offered, to some degree, in all 50 states in the U.S.
If you use Dental Dental, there’s a good chance your orthodontic treatment will be covered. However, this depends on your plan and the type of treatment needed.
You can get enrolled in a suitable Delta Dental plan through your employer or by buying an individual plan.
Some Delta plans cover Invisalign treatment. However, others won’t.
Delta PPO plans can cover some of the cost or provide an allowance for Invisalign. Most DeltaCare USA plans won’t cover Invisalign treatment.
How much Delta covers depends on the plan. It can be around 50 percent for children and adults.
You’ll likely need to visit a dentist or orthodontist that’s in-network with Delta for coverage.
Other treatments similar to Invisalign may or may not be covered by Delta. Be sure to check your plan and with your dentist to find out.
Clear aligners can save you thousands of dollars compared to braces. Learn about clear aligners.
Delta Dental plans don’t cover at-home clear aligners. Don’t expect to receive assistance with your at-home aligner treatment if you have a Delta plan.
In June 2020, SmileDirectClub took Delta Dental to court over the issue. SmileDirectClub is suing Delta Dental for refusing coverage for home aligners even though they cover other teledentistry treatments.2
Delta claims home aligners are a DIY treatment, even though this isn’t completely accurate.
Some aligner providers assign a state-licensed dentist or orthodontist to develop treatment plans and assess every case. For example, SmileDirectClub and Byte.
On the other hand, DIY orthodontics is a trend where people use household items such as rubber bands to try to straighten their teeth. These DIY treatments don’t involve a dentist and can cause severe damage.
Delta Dental is holding firm on the matter. It’s not currently possible to receive coverage for home aligners on one of their plans. These include:
Many Delta plans provide coverage for braces, including DeltaCare USA and Delta PPO.
Some plans cover more for children than adults. Others have a lifetime limit, but this varies depending on the specific plan.
You’ll need to check your plan to find out how much you need to pay out-of-pocket.
Lingual and clear braces fall into the same category, as they treat the same types of conditions.
As Six Month Smiles typically treats milder cosmetic cases, they may not be covered. Be sure to check with Delta to find out.
Know that you’ll need to receive treatment from a dentist or orthodontist in Delta’s network for the total amount for your coverage.
We recommend at-home clear aligners if you have mild teeth misalignment. View our top recommendations.
The average cost of orthodontic treatment before insurance are as follows:
Invisalign treatment costs between $3,000 and $8,000.
This is a wide range because the price is subject to various factors. These include treatment length, condition severity, the dentist’s expertise, and the dentist’s location.
At-home aligners are usually thousands cheaper than in-office aligner treatments. They cost between $1,200 and $2,000.
Unlike Invisalign, at-home aligners come at a flat rate. The price difference depends on the company.
For example, SmileDirectClub treatment costs $1,950. ALIGNERCO costs between $1,145 and $1,345. And Byte costs between $1,895 and $2,295.
Candid is the most expensive at $3,300 (on average, depending on the provider).
Some at-home aligners are partially covered by insurance (but not through Delta Dental).
Traditional braces usually cost somewhere between $4,000 and $6,000. The price depends on a few factors, such as condition severity, location, and orthodontist rates.
Specialty braces often cost more than traditional ones. Lingual braces, for example, may cost up to $10,000.
To select the best plan for Delta Dental orthodontic coverage, visit their website and head to the insurance products page.
You’ll find a chart summarizing what each general type of Delta Dental insurance plan covers. The page also includes basic facts about each plan.
Consider choosing a plan with orthodontic coverage if you’re planning on beginning treatment in the near future. Also, Delta HMO plans are more limited than PPO plans, which can impact your orthodontic coverage.
Additionally, there’s a search function that allows you to type in your state for more specific information on Delta Dental insurance plans offered in your area.
For in-office treatments like Invisalign and braces, your dentist or orthodontist’s office will file an insurance claim for you. You don’t need to worry about any paperwork.
If you choose a dental office that does not participate with Delta Dental, you may or may not have out-of-network benefits. Sometimes offices will file for you if you have out-of-network benefits. Other times, they will request you pay upfront and file paperwork independently.
If your employer provides your insurance, their HR department may walk you through the process.
Delta also provides step-by-step instructions online on how to file a claim.
According to the website, you’ll need a statement of treatment from your dentist. Be sure to contact their office for it.1
Interested in straightening your teeth at home? Here are the best clear aligner companies.
If your current insurance plan doesn’t cover the orthodontic treatment you want, there are alternative ways to pay.
You can use a Flexible Spending Account (FSA) or Health Savings Account (HSA) to pay for treatment. These accounts remove money from your income before taxes and allow you to use it for certain medical and dental expenses.
HSAs and FSAs are often an option with plans sponsored by employers. If you have one, you may use it to cover your orthodontic treatment.
Financing plans can also help with orthodontic treatment costs. Many dentists and orthodontists offer payment plans, as most at-home aligner brands will. A credit check may be required to qualify.
There are also third-party options like CareCredit. These options provide financing for medical and dental expenses. They also often require a credit check.