Coverage and Benefits

Delta Dental
Delta Dental offers comprehensive PPO and DHMO plans. Preventive services like cleanings and exams are typically covered at 100%, basic services (e.g., fillings, extractions) at 70%–80%, and major procedures (e.g., crowns, root canals) at 50%. Orthodontic and implant coverage is available on select plans.

Ameritas Dental
Ameritas also provides PPO plans with 100% preventive care coverage, 80% for basic, and 50% for major services. Many Ameritas plans also include orthodontic benefits and coverage for implants, often with no referral needed. They’re known for customizable coverage options and generous annual maximums.

Network and Availability

Delta Dental
Delta Dental has the largest dental provider network in the U.S., with over 155,000 participating dentists across all 50 states. This makes it a strong choice for those who want easy access to in-network providers.

Ameritas Dental
Ameritas has a robust national network, with over 130,000 access points through the Ameritas Dental Network and PPO partners. While slightly smaller than Delta’s, it still offers strong nationwide accessibility.

Cost Comparison

Delta Dental
Premiums typically range from $25 to $60/month, depending on plan type and location. Deductibles are usually between $50–$100, with annual maximums ranging from $1,000 to $2,000.

Ameritas Dental
Ameritas is known for affordability, with monthly premiums as low as $20/month. Deductibles are comparable to Delta’s, and annual maximums can range from $1,000 up to $2,500 on higher-tier plans, offering more financial flexibility.

Waiting Periods and Restrictions

Delta Dental
Most plans provide immediate preventive coverage, with 6-month waits for basic and 12-month waits for major services. Some waiting periods may be waived with prior dental insurance.

Ameritas Dental
Ameritas offers immediate coverage for preventive care and often shorter waiting periods—0 to 6 months for basic services and up to 12 months for major services. Some plans have no waiting period at all, especially if you’re switching from another provider.

Ease of Use and Customer Service

Delta Dental
Delta offers an established member portal and mobile app for tracking claims, finding providers, and managing benefits. While customer service is generally dependable, some users report regional variations in service quality.

Ameritas Dental
Ameritas receives consistently high ratings for customer satisfaction and claims processing speed. Their online tools are user-friendly, and customer support is known for being responsive and transparent.

Additional Benefits and Perks

Delta Dental
Some Delta plans include vision and hearing discounts, teeth whitening coverage, and night guard benefits, though these vary by region and plan type.

Ameritas Dental
Ameritas offers a wide range of perks including vision and hearing coverage, orthodontic discounts, LASIK surgery discounts, and prescription savings. Their bundle options are ideal for individuals looking for broader health-related savings.

Reputation and Customer Reviews

Delta Dental
As a long-standing insurer, Delta Dental is widely trusted and used by millions. It’s known for provider accessibility and solid plan options, though some clients mention confusion around plan tiers and exclusions.

Ameritas Dental
Ameritas enjoys a strong reputation for customer service and flexibility, especially in the individual and family plan market. Users appreciate the easy-to-understand plans, quick claims process, and affordable premiums.

Suitability and Recommendations

• Choose Delta Dental if you want access to the largest dental network, prefer working with a well-established brand, and don’t mind plan restrictions like waiting periods or annual caps.

• Choose Ameritas Dental if you’re seeking lower premiums, flexible plan options, and top-tier customer service, especially if you want to avoid waiting periods or want additional savings on vision and hearing care.

Conclusion

Both Delta Dental and Ameritas Dental are excellent choices for affordable dental insurance. Delta stands out with its vast network and national brand strength, while Ameritas shines with flexible, budget-friendly plans and superior customer service.

Consider your personal priorities—network access, coverage flexibility, customer service, or cost—and choose the provider that aligns best with your dental care needs and lifestyle.