Step 1: Check Your Employer First
Dental insurance offered through an employer is almost always cheaper than an individual plan bought directly, thanks to group rates. Check what's available during open enrollment before shopping independently.
Step 2: Estimate Your Dental Needs
If you only need routine cleanings and exams, a basic plan or even a savings plan covers that adequately. If you anticipate major work — crowns, root canals, dentures — prioritize plans with a higher annual maximum and check the waiting period before you enroll.
Step 3: Check Your Dentist's Network Status
Delta Dental has the broadest network of any dental insurer. If you have a preferred dentist, confirm they're in-network for the specific plan you're considering before comparing on price alone.
Step 4: Compare the Annual Maximum and Waiting Period
These two details matter more than the premium for anyone anticipating major work. A plan with a $2,500 annual maximum and a shorter or waived waiting period can save you significantly more than a cheaper plan with a $1,000 cap and a 12-month wait.
Step 5: Decide Between Insurance and a Savings Plan
Insurance makes sense for regular preventive care and gradual coverage of basic/major work over time. A savings plan makes more sense if you need major work immediately, since it has no waiting period or annual cap — just a flat discount.
Common Mistakes to Avoid
- Picking the cheapest premium without checking the annual maximum or waiting period
- Not confirming your dentist is in-network for the specific plan, not just the insurer generally
- Assuming major work is covered immediately — most plans have a 6–12 month waiting period
- Overlooking employer-sponsored options that are cheaper than buying individually
Frequently Asked Questions
Base it on your realistic dental needs — a basic plan covers routine cleanings fine, but if you know you'll need a crown or root canal soon, prioritize a higher annual maximum and a shorter waiting period over the lowest premium.
Individual plans purchased directly can usually be changed anytime. Employer-sponsored plans are typically locked into the annual open enrollment period unless you have a qualifying life event.
Generally no — most plans exclude purely cosmetic procedures like teeth whitening, covering only services deemed medically necessary. Check your specific plan's exclusions if cosmetic work is a consideration.