de_DEen_GBen_USes_ESfr_FR is reader-supported. When you buy via the links on our site, we may earn an affiliate commission at no cost to you. Learn more.


Best Dental Insurance in Pennsylvania: Delta Dental Review and Plans Comparison 2024

Natalie Asmussen
Natalie Asmussen
calendar icon
updated icon

Are you looking for the best dental insurance in Pennsylvania? Since there are so many alternatives, searching for the perfect dental insurance plan might take some time.

It's crucial to do your homework before making a selection, since the appropriate insurance may help you save a lot of money on your dental bills.

The dental insurance company Delta Dental of Pennsylvania has a good reputation. Nonetheless, it's necessary to research all of your options, so keep on reading.

When searching for the best dental insurance in Pennsylvania to meet your needs, you'll discover a lot of possibilities, which include:

  • Family and individual dental insurance
  • PPO and DHMO plans
  • Dental discount plans
  • Dental plans with no waiting period
  • Dental and vision insurance

We hope that this guide will help you determine the ideal dental insurance plan in Pennsylvania for your specific needs.

Types of dental insurance plans in Pennsylvania

PPO vs DHMO plans

With a DHMO plan, you may be required to choose a single dentist who coordinates all of your treatments. These plans are typically the cheapest dental insurance plans in Pennsylvania, but they provide less flexibility.

PPO plans are more expensive, but they provide you with greater freedom by allowing you to pick from a larger network of dentists.

Dental discount plans

cheap dental insurance in pa
Individual dental insurance vs dental discount plans

A dental savings plan, often known as a “dental discount plan,” is not insurance, but it is a smart alternative if you need to save money right away on dental treatment.

In exchange for your premium, you get a predetermined discount on treatments from dentists in the insurer's network. You may also be eligible for free preventive and diagnostic treatments as part of your dental discount plan.

Individual dental insurance

Individual dental insurance and corporate group health insurance function in the same way. The individual dental insurance and employer-sponsored dental insurance differ primarily in how they are acquired.

Dental and vision insurance

Dental and vision insurance is a common healthcare combo in Pennsylvania. This pairing may help you save money each month while also making insurance paperwork easier to manage.

Supplemental dental insurance

Supplemental dental insurance can be purchased to fill in any coverage gaps in a policyholder's dental insurance. When a main insurance policy's yearly expenditure limit is reached, or if the policy does not cover required or recommended dental services, supplementary dental insurance may make up the difference.

Features to look for in dental insurance in Pennsylvania

You may be obsessed with finding the cheapest dental insurance in Pennsylvania, but don't overlook the other fees and the waiting period. Consider these following factors while looking for the best insurance plan:

dental insurance in pennsylvania
Best dental insurance plans in Pennsylvania to save you money

Cheap vs full-coverage

If your teeth are in generally good shape, an insurance policy with a cheap premium but a larger deductible and co-payments may make sense. If you expect to require a lot of treatments, however, it may be more cost-effective to pay a larger premium but have reduced co-payments.

Waiting period

If you need dental treatment as soon as possible and want to save money, look for dental insurance plans in Pennsylvania that have no waiting period.

Delta Dental insurance Pennsylvania review

delta dental pa
Delta Dental of Pennsylvania

Delta Dental of Pennsylvania offers four PPO and three indemnity insurance plans. With most Delta Dental insurance plans in Pennsylvania, you have the freedom to choose any dentist. You will be covered by the same percentage whether you go to an in-network or out-of-network dentist.

When signing up for a new Delta Dental insurance in Pennsylvania, there will be no queries regarding your previous dental history. Another benefit is that, regardless of your age, you may keep your dental coverage.

Delta Dental Gold (PPO)

This Delta Dental plan has a maximum benefit of $1,000 per year. Preventive care is covered at 60% in the first year, then it will increase to 80% in the second year, and full coverage in the third year after the deductible.

Preventive care, such as exams, x-rays, and cleanings, has no waiting period. Fillings are subject to a 6-month wait, while crowns, root canals, dentures, and deep cleanings have a 12-month waiting period. Major services are not covered in this plan.

dental insurance with delta dental of pennsylvania
Delta Dental Pennsylvania offers a great variety of plans for each individual requirement

Delta Dental Platinum (PPO)

The annual maximum of this Delta Dental plan of Pennsylvania is $1,500 per year per person. Preventive and basic treatments are covered at 80% in the first year. This dental insurance plan also covers orthodontics at 40-50% after a 12 month waiting period and a $100 deductible.

Delta Dental Diamond (PPO)

The Delta Dental Diamond plan has a set annual maximum of $2,000. For every dentist visit, a $25 copay will be charged. Orthodontics has a lifetime deductible of $150 per individual. No deductible will be charged on diagnostic, basic, and major treatments.

Delta Dental Gold Premier (Indemnity Plan)

The coverage percentages are very similar to the previously mentioned Delta Dental Gold plan. Individuals are eligible for a maximum annual benefit of $1,000. A deductible of $50 per person per year will be charged on all types of services.

Delta Dental Platinum Premier (Indemnity Plan)

This Delta Dental indemnity plan has an annual maximum benefit of $1,500 per year per person. Covered orthodontic procedures are available to children up to the age of 18.

Delta Dental Diamond Premier (Indemnity Plan)

The highest Delta Delta indemnity plan in Pennsylvania has annual benefits of $2,000. This includes orthodontic treatments. No deductible will be charged for diagnostic, basic, and major procedures. This Delta Dental insurance plan covers orthodontic treatments, but there is a 12-month waiting period and a $150 deductible.

Immediate Coverage Plan (PPO)

With this Delta Dental plan, there is no waiting time for any treatments, except for orthodontics. No waiting time applies to exams, cleanings, x-rays, fillings, extractions, crowns, root canals, dentures, and deep cleanings.

However, the coverage for basic and major treatments is only 10% in the first year. But in the second year, the coverage increases to 40% and in the third year to 50%.

We know it can be difficult to wade through the plethora of plan options. That's why we've created this easy-to-use insurance comparison tool. Just enter your DOB and zipcode, and in seconds you'll see the best plans in your area.

Dentaly insurance

See how much you could save

Start by entering your ZIP code
The selected zip does not belong to the USA
/ /
Enter a valid date of birth. Applicant must be 18 and over

Other dental insurance providers in Pennsylvania


humana offers affordable dental insurance in pennsylvania
Humana offers affordable dental insurance with high coverage

Humana offers two PPO plans in Pennsylvania. Both Humana plans offer full coverage for preventive in-network services, such as cleanings, x-rays, and exams, with no waiting period and no deductible.

Humana dental plan: Bright Plus

This dental insurance plan in Pennsylvania provides a maximum annual benefit of $1,250 per person. The individual deductible is $50 ($150 for a family). In-network preventive services, however, are exempt from the deductible.

After a 90-day waiting period, fillings and extractions are insured at 60% in-network and 30% out-of-network. Once a year, a $100 tooth whitening allowance is given.

Humana dental plan: Loyalty Plus

The Humana dental insurance plan in Pennsylvania gives you the freedom to visit the dentist of your choice. Exams and cleanings have full coverage, while x-rays, fillings, and extractions are covered at 40% in the first year (then increasing up to 70%). Complex treatments such as crowns, root canals, dentures, deep cleanings are insured at 20-50%.

There is no waiting period on any of the mentioned services, making it an excellent dental plan if you need treatment right away.


Metlife Dental Insurance offers three PPO plans for Pennsylvania. The coverage percentages are as follows:

Dental Plan




Plan maximum


Metlife - Low Plan



Not covered


$75 per person/per year

Metlife - Medium Plan





$50 per person/per year

Metlife - High Plan





$25 per person/per year

Details correct at time of writing; check with insurer for current and complete policy details.

All three plans have no waiting time for preventive services. There is a 6-month wait for basic services and a 12-month wait for major procedures.

medicaid dental pennsylvania
Medicaid Pennsylvania Dental Coverage

Medicaid Dental Pennsylvania

Medicaid is a government-run healthcare program that includes dental coverage in Pennsylvania.

Medicaid is referred to as low-income dental insurance, and your eligibility is determined by your monthly income. However, it also depends on the size of your family, your age, and your eligibility category.

For enrolled children, Medicaid covers all medically essential dental services. Cleanings, x-rays, cavity fillings, crowns, and other procedures are included. Adults enrolled in Medicaid dental Pennsylvania are eligible for surgical procedures and emergency treatments. Other dental services may be available to some individuals.



Types of plans offered

Special features

Delta Dental

PPO, Indemnity Plans

Great variety of plans; Large dental network



Yearly increasing maximum benefits



Very flexible; Same coverage in-network and out-of-network


Government health-insurance

Low-income dental insurance; Great benefits if you are qualified for Medicaid dental

Details correct at time of writing; check with insurer for current and complete policy details.

A cheaper premium plan will be the ideal option if your teeth are in good shape and you simply require preventative care and fillings. If you require orthodontic treatment, a larger plan with full-coverage dental insurance is the better option.

It can be difficult to figure out which dental insurance in Pennsylvania would give you the greatest benefits. You should read the policy carefully and make sure you understand what you're subscribing to.

If you want to read about the best insurance option in any other state, please select from the list below.

Ultimately, what is the best dental insurance in Pennsylvania?

Because it is dependent on your specific requirements and budget, there is no one-size-fits-all answer.

We searched through Pennsylvania's best dental insurance plans and verified their availability in the state's major cities, including Pittsburgh, Harrisburg, and Philadelphia. Different dental insurance providers such as Metlife, Dominion National, Ameritas, Careignton, Nationwide, or Guardian Direct may be available depending on your location. can help you find the ideal dental insurance policy. By entering your ZIP code and date of birth, you may compare the best dental insurance plans in Pennsylvania. Simply click the button below to get started.

Rate this article