On this page
Delta Dental insurance costs about $23 to $80 a month for one adult buying an individual plan, based on prices Delta Dental publishes on its own state shopping pages. Louisiana plans start at $23.18 a month and Delaware plans at $32.47 a month on deltadentalins.com, while Delta Dental of Kansas lists full individual tiers at $41.68, $49.97 and $79.36 a month. Family cover costs roughly two to four times the single rate.
Delta Dental is a group of separate state companies that sell dental insurance under one brand, so the premium you pay depends on your state, the plan tier you pick, and who else is on the policy. There is no single national price, which is why quotes for the same person can differ by $30 a month across state lines.
- Cheapest published starting price: $23.18 a month for a Delta Dental PPO Basic plan in Louisiana (deltadentalins.com).
- Mid-range tiers in Kansas: Silver $41.68, Gold $49.97 a month for one person.
- Top individual tier in Kansas: Platinum $79.36 a month, with a $2,500 annual maximum.
- Preventive care (exams, cleanings, X-rays) is covered at 100% on the published individual plans.
- Major work such as crowns and implants carries a 12 month waiting period on the Premium tier and is not covered on Basic.
How much is Delta Dental insurance a month by plan tier?
Delta Dental individual plans run from about $23 a month for a basic PPO plan to about $80 a month for a top tier plan with a high annual maximum. The published Kansas lineup shows the spread clearly: you pay more each month mainly to buy a higher annual maximum and a larger share of major work paid by the plan.
| Published individual plan | Monthly premium | Annual maximum | Preventive / basic / major |
|---|---|---|---|
| Delta Dental PPO Basic, Louisiana (starting price) | $23.18 | $1,000 | 100% / partial / not covered |
| Delta Dental PPO, Delaware (starting price) | $32.47 | $1,000 Basic, $2,000 Premium | 100% / partial / Premium only |
| Delta Dental of Kansas Silver | $41.68 | $1,000 | 100% / 50% / 50% |
| Delta Dental of Kansas Gold | $49.97 | $1,500 | 100% / 80% / 50% |
| Delta Dental of Oklahoma PPO Point of Service (2026 rate) | $68.00 | $1,500 | 100% in network / 80% basic / 50% major |
| Delta Dental of Kansas Platinum | $79.36 | $2,500 | 100% / 80% / 70%, implants at 70% |
Source: Delta Dental state shopping pages at deltadentalins.com and Delta Dental of Kansas and Oklahoma plan pages, checked October 2026. Starting prices are the lowest adult rate in that state and rise with age in some states. Your own quote depends on your ZIP code and date of birth, so treat the table as the published range, not a personal quote.
How much is Delta Dental insurance a month for a family?
A family plan usually costs two to four times the single adult rate, because each covered person adds premium. Delta Dental of Oklahoma publishes its full 2026 household ladder for its PPO Point of Service plan: $68 for one adult, $136 for an adult plus spouse, $177 for an adult plus children, and $252 a month for a full family.
| Household (Oklahoma PPO Point of Service, 2026) | Monthly premium |
|---|---|
| Individual | $68 |
| Individual plus spouse | $136 |
| Individual plus child or children | $177 |
| Family | $252 |
Children are not always a pure extra cost. Many Delta Dental state plans include the Right Start 4 Kids feature, which covers services at 100% for children age 12 and under when they see an in-network dentist (Delta Dental of Kansas states this on its plan page). If you are pricing cover mainly for a child, check whether your state plan carries that feature before you compare monthly prices. Our guide to full coverage dental insurance explains how annual maximums and child benefits change the real value of a plan.
What does a Delta Dental plan actually pay for?
A Delta Dental plan pays 100% of preventive care, a share of basic work such as fillings after a waiting period, and a share of major work such as crowns on higher tiers. The standard structure is the 100/80/50 pattern explained in our guide to dental insurance 100/80/50 coverage levels: 100% preventive, up to 80% basic, up to 50% major, up to the annual maximum.
Three limits decide what you really get for the premium. The annual maximum caps what the plan pays in a year, $1,000 on basic tiers and $2,000 to $2,500 on premium tiers in the published lineups above. The deductible is commonly $50 per person on individual plans. Waiting periods delay bigger benefits: the deltadentalins.com individual plans set 6 months for basic services and 12 months for major services on the Premium tier. If you need a crown this year, a plan bought today will not pay for it until the waiting period ends, which is why the monthly price alone is a poor way to choose. Readers comparing carriers should also read our roundup of the best dental insurance for major dental work.
Is Delta Dental PPO or Premier cheaper per month?
Delta Dental PPO plans are usually the cheaper way to buy Delta Dental cover, because PPO dentists agree to lower fees. The Premier network is larger and lets more dentists charge closer to their usual fees, so the same treatment costs you more out of pocket even when the premium looks similar.
Delta Dental runs two main networks. PPO dentists accept the lowest negotiated fees, which stretches your annual maximum further. Premier is the larger network and includes most dentists, but fees are higher. You can see any licensed dentist on most individual plans, yet out-of-network care is paid at a lower share and the dentist can bill you the balance above the plan allowance. Our comparison of dental PPO vs dental HMO costs covers the network trade-off in more detail, and our guide to in-network vs out-of-network dentists shows what balance billing does to a crown bill.
How can you lower the monthly cost of Delta Dental?
You lower the monthly cost by picking a basic tier, staying in the PPO network, and buying only the annual maximum you are likely to use. A healthy adult who needs two cleanings and an occasional filling gets little value from a $79 a month platinum tier with a $2,500 maximum.
- Pick the Basic or Silver tier if you need cleanings and fillings only. You give up major cover, which you may not use.
- Check whether your dentist is in the PPO network before you buy. Switching networks can cut the price of each treatment more than switching tiers.
- Compare the employer route first. Group Delta Dental through a job usually costs less per month than an individual plan for the same tier, because the employer pays part of the premium.
- Time major work around waiting periods and the annual maximum. Splitting a crown and an implant across two plan years can double the amount the plan pays.
- Ask about a dental discount plan as an alternative if you need work now. Our comparison of dental discount plans vs dental insurance shows when the discount card wins.
Key takeaways
Delta Dental individual insurance costs about $23 to $80 a month for one adult on published state prices, and roughly $136 to $252 a month for couples and families on published household rates. The premium buys a set annual maximum, 100% preventive care, and partial cover for basic and major work after waiting periods. Compare tiers on the annual maximum and the major-work share, not on the monthly price alone, and confirm your dentist is in the PPO network before you enroll.
Frequently asked questions
How much is Delta Dental insurance a month for one person?
One adult pays about $23 to $80 a month for an individual Delta Dental plan on published state prices. Louisiana PPO plans start at $23.18 a month on deltadentalins.com, Delaware at $32.47, and the Kansas tiers run $41.68 to $79.36 a month depending on the annual maximum.
Does Delta Dental cover implants?
Higher individual tiers cover implants and lower tiers do not. Delta Dental of Kansas pays 70% for implants on its Platinum plan and lists implants as not covered on Silver and Gold. The deltadentalins.com Premium plan covers major services including implants after a 12 month waiting period, while Basic excludes major work.
What is the waiting period on Delta Dental individual plans?
Preventive care is usually covered right away, basic services after about 6 months, and major services after about 12 months on individual plans sold at deltadentalins.com. Group plans through an employer often have shorter or no waiting periods. The exact wait is printed in your state plan summary.
Is Delta Dental worth it if I only need cleanings?
It can be, because cleanings, exams and X-rays are covered at 100% in network on the published individual plans. Two preventive visits a year can cost more in cash than a year of basic-tier premiums in some states. Add up your local cash prices before you decide, since fees vary widely by city.
Can I buy Delta Dental at any time of year?
Yes. Individual dental plans are sold year round with no open enrollment window for most buyers, although waiting periods still apply to basic and major work. Our explainer on when you can buy dental insurance covers the few exceptions, such as marketplace dental tied to a health plan.
