Secure Your Dental Insurance in Delaware in Minutes

Most Delaware dental plans include preventive services (cleanings, exams, X‑rays) at 100%, basic services (fillings, simple extractions) at 80%, and major services (crowns, bridges) at 50% after waiting periods.

Premiums generally range from $15 to $40/month, depending on your age, coverage tier, and provider network size.

It depends on the plan. In‑network dentists offer the highest savings; out‑of‑network care is often covered at a lower reimbursement rate. Always verify network status before scheduling.

Yes. Most Delaware dental policies impose a waiting period of 6–12 months for major services like crowns or root canals. Preventive and basic care usually have no waiting period.

You can usually add your spouse and children when you first enroll or at any time throughout the year, depending on your plan. Some plans may have specific rules or waiting periods, so be sure to check your policy details.

Delaware’s Medicaid program covers limited adult dental care—mainly emergency extractions. For full preventive and restorative coverage, compare private Delaware dental insurance plans.

PPO: More provider choice and partial out‑of‑network coverage, with higher premiums.

DHMO: Lower premiums and no out‑of‑network benefits, but you must use plan‑assigned dentists.

Some enhanced or “comprehensive” plans include orthodontic benefits (braces) after a separate waiting period. Look for “orthodontia coverage” when comparing plans.

If you use an in‑network dentist, they file claims for you. For out‑of‑network care, submit an itemized invoice and claim form (available on your insurer’s website) and expect reimbursement within 2–4 weeks.

You can enroll at any time with most individual dental plans, as they don’t follow strict open‑enrollment windows. Group plans may require annual enrollment, typically in the fall.