Is Delta Dental Insurance of Arkansas Legit? Everything You Need to Know

Are you considering dental insurance? If you live in Arkansas, you’ve likely come across Delta Dental of Arkansas.

But is it a legitimate company you can trust with your dental care needs?

This article dives into Delta Dental of Arkansas’s reputation, exploring its pros, cons, and what to consider before enrolling.

Table of Contents

Is Delta Dental of Arkansas Legit?

Absolutely. Delta Dental of Arkansas is a licensed and accredited dental insurance provider in Arkansas.

They’ve been operating since 1967 and boast an A+ rating from the Better Business Bureau (BBB).

This signifies a good track record in customer service and complaint resolution.

Limited Coverage: Dental insurance typically focuses on preventive and basic restorative care. Major procedures like orthodontics or oral surgery might have limited coverage or require a higher out-of-pocket expense.
Network Restrictions: While Delta Dental of Arkansas has a broad network, there’s always a chance your preferred dentist might not be in-network. This could lead to higher costs for your appointments.
Claim Process: As with any insurance company, understanding the claims process is crucial. Familiarize yourself with what’s covered, deductibles, and how to file a claim to avoid any surprises.
Customer Reviews: Reading online reviews from Delta Dental of Arkansas customers can offer valuable insights. Look for feedback on claim processing, customer service, and overall experience.

Experience: With over 50 years in the dental insurance industry, Delta Dental of Arkansas brings experience and stability.
Network of Dentists: They offer access to a large network of dentists across Arkansas. This makes it easier to find an in-network dentist for your appointments, potentially saving you money.
Coverage Options: Delta Dental of Arkansas provides a variety of dental insurance plans to fit different needs and budgets. These plans typically cover preventive care (cleanings, X-rays) and some restorative procedures (fillings, crowns).
Financial Incentives: Choosing an in-network dentist often comes with reduced out-of-pocket costs. Delta Dental of Arkansas might also offer benefits like waived deductibles for preventive care, encouraging regular checkups.

While Delta Dental of Arkansas is a reputable provider, it’s always good to compare options. Here’s what to consider:

National Dental Insurers: Major national dental insurance companies like Aetna or Cigna might offer plans in Arkansas. These plans might provide wider network access but could have different coverage details.
Employer-Sponsored Plans: If you have dental coverage through your employer, compare it to Delta Dental of Arkansas plans. Employer plans might offer specific benefits or discounts.

Here are some key factors to consider when choosing dental insurance in Arkansas:

Your Dental Needs: Consider your oral health and anticipated dental costs. If you require frequent preventive care or have existing dental issues, a plan with good preventive coverage might be ideal.
Budget: Dental insurance plans come with varying premiums and coverage levels. Choose a plan that fits your budget without sacrificing necessary coverage.
Network of Dentists: Find a plan with a network that includes your preferred dentist or dentists conveniently located near you.