Navigating the Challenges of Dental Insurance: A Comprehensive Guide for Providers and Patients

Stephanie Wright is a speaker, coach, and advisor specializing in helping dental offices reach their full potential. With over 20 years of dedication to the healthcare and dentistry fields, she brings a wealth of knowledge and experience to every project.

Her expertise includes team development, systems training, practice transitions, software integration, and insurance solutions. Stephanie provides tailored counsel that empowers dental teams to flourish, aiming to grow leadership, streamline processes, and transform businesses.

In addition to her advisory services, Stephanie is recognized for her engaging and authentic speaking style. She educates clinicians and their staff on topics such as practice growth, leadership, team development, and measurement.

Stephanie’s commitment to the dental industry is further demonstrated through her articles and workshops, where she shares insights on overcoming common industry challenges and implementing effective practice management strategies.

By partnering with Stephanie Wright, dental professionals can expect customized solutions designed to address their unique challenges and achieve their practice goals.

This document provides a comprehensive critique of Delta Dental’s business practices, highlighting their detrimental impact on dental providers and patients. It contains:

  • A Letter to Delta Dental: Detailing systemic issues, including stagnant reimbursement rates, rising operating costs, and policies that undermine patient care.
  • Patient Letter: Informing patients about changes in provider participation with Delta Dental and guiding them on navigating their dental benefits post-transition.
  • Complaint Filing Instructions: Step-by-step guidance for patients and providers to file complaints with state Departments of Insurance and other regulatory authorities.
  • Advocacy Resources: Templates for letters to insurance companies, human resources departments, and elected officials to advocate for fairer dental insurance practices.
  • Key Data and Trends: Insights into industry-wide financial trends, executive compensation disparities, and the broader implications of Delta Dental’s practices on dental care access and quality.

This document is a resource for dental professionals, patients, and advocates seeking to navigate the challenges posed by inequitable dental insurance practices and to push for systemic reform.

LETTER TO DELTA DENTAL

SUBJECT: Critical Assessment of Delta Dental’s Business Practices and Their Detrimental Impact on Dental Providers and Patients

Provider Relations,

I am writing to express profound concerns regarding Delta Dental’s business practices, which have increasingly compromised the quality of patient care and the financial viability of dental practices nationwide. As a dedicated dental professional, I find it imperative to highlight the systemic issues that have led to an unprecedented exodus of dentists from your network, including our practice.

Stagnant Reimbursement Rates Amid Rising Costs

Delta Dental’s reimbursement practices have failed dental providers for over a decade. For this practice, and many others nationwide, reimbursement rates have remained unchanged since 2012. In 2014, Delta Dental further reduced reimbursements for PPO dentists, demonstrating an apparent disregard for the financial realities of operating a dental practice. Only after widespread provider dissatisfaction and network attrition did Delta Dental implement three increases in subsequent years—each under 3%. These minor adjustments were inadequate and failed to account for years of inflation and cost escalation.

To illustrate the disconnect, consider a dental procedure reimbursed at $100 in 2010. Adjusted for inflation, that fee should have evolved as follows:

Source: U.S. Inflation Calculator

Despite these inflationary trends, Delta Dental has chosen to disregard the rising costs of providing care. Dental practices face increasing expenses for staffing, equipment, materials, and technology. Yet, Delta Dental continues offering reimbursements that must meet the bare minimum required to sustain a modern practice.

Escalating Dental Student Debt

In parallel with stagnant reimbursements, dental student debt has skyrocketed. The average dental student graduated with approximately $180,000 in debt in 2010. By 2024, this figure has risen to an estimated $340,000, representing an 88.89% increase in just 14 years. This debt increase and inadequate reimbursements create an unsustainable financial environment for new and existing practitioners.

This trend not only hinders the ability of new dentists to establish practices but also discourages future professionals from entering the field, exacerbating access-to-care issues.

Arbitrary Policies Undermining Patient Care

Delta Dental’s policies have increasingly interfered with clinical decision-making, undermining patients’ quality of care. Examples include:

  • Denials of Medically Necessary Treatment: Routine claim denials delay or deny patients the care they need despite provider recommendations.
  • Bundling and Downgrades: Reimbursing multiple procedures as a single, lower-cost treatment disregards the complexity of modern dentistry. Despite clinical necessity, downgrades to inferior materials and techniques place profits above patients.
  • Opaque Rules: Shifting claim-processing guidelines creates confusion for providers and patients, adding administrative burdens that detract from care delivery.

Profits Over Patients

Delta Dental’s financial focus appears centered on maximizing executive compensation at the expense of both patients and providers. While dentists struggle to maintain practice viability, Delta Dental executives enjoy multimillion-dollar compensation packages. Such a glaring disparity demonstrates that Delta Dental prioritizes its bottom line over its stated mission to improve oral health.

A Call to Action

Delta Dental must address the following issues to rebuild trust with dental providers and patients:

  1. Fair and Transparent Reimbursement Rates: Adjust reimbursements to reflect inflation and the actual costs of providing care. Implement annual reviews to ensure fees remain competitive.
  2. Provider/Patient-Centric Policies: Eliminate arbitrary denials, bundling practices, and downgrades that compromise care—return decision-making authority to the providers who know their patients best.
  3. Commitment to Transparency: Simplify claims processes and communicate changes clearly to reduce confusion and administrative burden.
  4. Support for New Dentists: Offer incentive programs or higher reimbursements to offset the rising burden of student debt and ensure the financial sustainability of the profession.

Delta Dental’s current trajectory has already driven countless practices to leave its network, including ours. Without meaningful reform, this trend will only accelerate to the detriment of patients and providers. As such, please accept this letter as formal notice of my decision to terminate my contract with Delta Dental, effective February 1, 2025, in compliance with the required 60-day notice period.

I am fully aware that Delta Dental will send letters to my patients with arbitrary figures designed to inflate their perceived investment in staying with a provider who knows their needs and history. However, I do not require your assistance in this matter. For the past six months, I have been directly informing my patients of this change, ensuring they are fully aware of Delta Dental’s unjust practices.

Unlike other insurance companies, Delta Dental is the only one that requires its members to pay in full at the time of service and then reimburses them at rates that fall below what others consider reasonable and customary. My patients have been thoroughly educated on these inequitable practices and given clear instructions on filing formal complaints with the appropriate state financial and insurance regulatory authorities. To streamline this process, we will provide patients with a document consolidating all relevant contact information, ensuring they can easily voice their concerns without extensive searching.

In an ironic twist of responsibility, we give Delta Dental 60 days to reflect on whether it will continue to limit access to care for its members or choose to do what is right by reversing its pattern of prioritizing profits over patients.

Sincerely,
[Your Name, DDS/DMD]

PATIENT LETTER

Subject: Important Update on Our Contractual Status with Delta Dental

Dear Valued Patient,

We have been discussing this with many of you during your recent visits, and the time has come to inform all of you of an important change regarding our contractual status with your dental benefit plan. Effective February 1, 2025, we will no longer be contracted with Delta Dental. It is important to note that dental plans differ from medical insurance and often still provide coverage for dental care with a non-contracted provider.

Why Is This Change Happening?

Decades of loyalty to insurance companies have only benefited the insurance companies. Patients face compromised care due to rigid contractual obligations and stagnant reimbursements that do not cover rising operating costs. Insurance companies, often without a dental license, provide dental advice through denials and arbitrary rules, disregarding licensed dental professionals and their relationships with patients. This partnership no longer benefits our patients.

Can You Provide What Benefits Are Available to Me After This Change?

Yes! We can verify the benefits of your Delta Dental plan for non-contracted providers. We aim to provide as much information and service as possible during this transition. Due to anticipated high inquiry volumes, please allow up to one week for us to respond and extend patience to our team.

How Does This Work?

You will pay for your treatment on the day of your appointment. We will submit the claim on your behalf, and Delta Dental will send a reimbursement check directly to the subscriber, typically within two weeks.

Delta Dental Says I Must Find a Contracted Dentist, But You Say I Can Stay?

Delta Dental often states that you must use a contracted dentist; however, we have found their reimbursement rates for non-contracted providers to be similar. Our team is committed to providing you with quality care and ensuring you maximize your benefits. For a detailed benefits breakdown, email us at [email address].

Take Action

You can find a copy of the letter we sent to your dental plan at https://fightforpatientsoverprofits.com/TheBoldAuthority. Additionally, we encourage you to contact your HR department or broker to discuss the disparities in Delta Dental’s practices, which prioritize profits over their members. They may be able to identify better options that are available to you.

We remain committed to providing the quality care you deserve. For a copy of your plan benefits, email us at [email address] or call [phone number] Please allow our team up to five business days to respond.

Thank you for your understanding and continued trust in our practice.

Warm regards,

FILE COMPLAINTS ON THE STATE LEVEL

Step 1: Understand the Role of the Department of Insurance

The DOI regulates insurance companies to ensure compliance with state laws and policies. They can assist with disputes related to insurance claims, network contracts, or unfair practices. While they don’t represent individual dentists or patients, they act as a neutral party to enforce regulations.

Step 2: Gather Documentation

Before contacting the DOI, individuals should collect all relevant information, such as:

  • Explanation of Benefits (EOBs) from their insurer.
  • Correspondence with the insurance company (emails, letters, or call logs).
  • Copies of denied claims or authorization requests.
  • Information about the dentist or healthcare provider’s network status.
  • A clear description of the issue (e.g., claim denial, delays in payment, or unfair reimbursement rates).

Step 3: Contact the Insurer First

Most DOIs require individuals to attempt resolution with their insurer before filing a complaint.

  • Tips for Contacting the Insurer:
    • Call customer service and request an explanation for the denial or issue.
    • Ask to escalate the matter to a supervisor if unresolved.
    • Request a written explanation of their decision.

Step 4: File a Complaint with the Department of Insurance

If the issue remains unresolved, individuals can file a formal complaint with their state’s DOI.

How to File a Complaint:

  1. Locate the DOI’s Complaint Portal or Form:
    • Visit the DOI website (search “file a complaint” on their site).
  2. Complete the Complaint Form:
    • Include detailed information about the issue.
    • Attach supporting documentation.
    • Specify how the issue impacts their dentist or healthcare provider.
  3. Submit Online or by Mail:
    • Follow the instructions on the DOI website for submission.

Step 5: Follow Up and Monitor the Process

  • After filing, individuals will usually receive a case or reference number.
  • They should follow up regularly for updates.
  • Be prepared to provide additional information if requested.

Step 6: Advocate for Broader Change

In addition to addressing individual issues, individuals can advocate for systemic changes to benefit their healthcare providers:

  1. Join Advocacy Groups:
    • Dental associations or patient advocacy groups often organize campaigns to address insurance issues.
  2. Contact State Representatives:
    • Encourage lawmakers to support fair insurance practices.
  3. Share Experiences Publicly:
    • Use social media, community forums, or public hearings to highlight systemic problems.

Additional Tips for Advocacy

  • Use respectful and professional language when communicating with the DOI or insurer.
  • Emphasize the broader impact on patient care, such as how unfair practices hinder access to quality care.
  • Encourage healthcare providers to file complaints themselves if they face recurring issues with insurers.

LETTER TO DEPARTMENT OF INSURANCE

EXAMPLE 1:

Subject: Complaint Regarding [Insurance Company’s Name] Policies

[Your Full Name]
[Your Address]
[City, State, ZIP Code]
[Date]

To the [State] Department of Insurance:

I am writing to file a formal complaint regarding the practices of [Insurance Company’s Name]. These practices have led my dentist, [Dentist’s Name or Practice Name], to end their participation in the network, which will significantly impact my access to quality dental care.

Specifically, [Insurance Company] has:

  • Imposed reimbursement rates that are insufficient to cover the cost of care.
  • Created administrative hurdles that delay or deny necessary treatments.

As a patient, I value my relationship with my dentist, who has provided exceptional care. These actions by [Insurance Company] are forcing me to either pay out of pocket or seek care elsewhere, disrupting continuity of care and putting my oral health at risk.

I urge the Department of Insurance to investigate [Insurance Company] for unfair practices and take action to protect patients like myself and the providers who care for us.

Thank you for your attention to this matter. For additional information, please feel free to contact me at [Your Phone Number] or [Your Email Address].

Sincerely,

EXAMPLE 2:

Subject: Urgent Complaint: Unfair Practices by [Insurance Company’s Name]

[Your Full Name]
[Your Address]
[City, State, ZIP Code]
[Date]

To the [State] Department of Insurance:

I am writing to formally demand action regarding the exploitative practices of [Insurance Company’s Name]. As a patient of [Dentist’s Name or Practice Name], I have seen firsthand how their inability to continue participating in [Insurance Company’s Name] network is a direct result of the insurer’s unacceptable policies.

These practices have gone unchecked for too long:

  • [Insurance Company] imposes insultingly low reimbursement rates that make it impossible for providers to offer quality care.
  • Their administrative roadblocks delay and deny claims, leaving patients and providers to bear the brunt of their negligence.

This is not just about dollars and cents—it is about my ability, and that of thousands of others, to receive the care we pay for through premiums. Insurance companies should not profit at the expense of patient health or the livelihoods of providers who are essential to our well-being.

It is time for the [State] Department of Insurance to hold [Insurance Company’s Name] accountable. I demand that you investigate these practices immediately and take decisive action to ensure that insurers fulfill their obligation to both patients and providers.

Enough is enough. As a patient, I am being forced to choose between continuing care with my trusted dentist at a much higher cost or finding an entirely new provider, disrupting years of consistent care. This is unfair, unethical, and entirely preventable if [Insurance Company’s Name] is held to the standards it claims to uphold.

I expect a prompt response to this complaint and am prepared to escalate my concerns to elected officials and advocacy groups if necessary. You can reach me at [Your Phone Number] or [Your Email Address].

Sincerely,

LETTER TO INSURANCE COMPANY:

Example 1:

Subject: Request for Fair Reimbursement Practices

[Your Full Name]
[Your Address]
[City, State, ZIP Code]
[Date]

To [Insurance Company’s Name]:

I am writing to express my disappointment regarding your company’s practices, which have led my dentist, [Dentist’s Name or Practice Name], to leave your network. I have been a patient at this practice for [X years] and have always received high-quality care.

I understand that I decided to leave your network due to your reimbursement rates being too low to sustain quality care and the administrative burdens you impose. These actions are unacceptable and directly harm your members, including myself.

I am requesting the following actions from your company:

  1. Review and increase your reimbursement rates to reflect fair market standards.
  2. Reduce unnecessary administrative hurdles that prevent timely approvals and claims processing.

As a patient, I deserve access to the dentist of my choice without being forced to choose between paying significantly more out of pocket or receiving lower-quality care. Please respond to this letter with a resolution plan. You can reach me at [Your Phone Number] or [Your Email Address].

Sincerely,

Example 2:

Subject: Protect Patient-Provider Relationships

To [Recipient]:

I am writing with concern about the recent changes in my dental provider’s participation with [Insurance Company]. My dentist, [Dentist’s Name], has cared for my family for years, and their decision to leave the network is deeply troubling.

These changes are due to policies that undervalue providers, making it impossible for them to continue delivering high-quality care. As a result, I am being forced to either find a new provider or pay out of pocket—both of which place unnecessary burdens on me as a loyal policyholder.

I urge you to reconsider your policies and ensure fair treatment for both patients and providers. Maintaining access to trusted providers is critical to our health and well-being.

Sincerely,

Example 3:

Subject: Enough is Enough: Restore Fair Practices for Patients and Providers

[Your Full Name]
[Your Address]
[City, State, ZIP Code]
[Date]

To [Insurance Company’s Name]:

I am writing as a loyal policyholder to express my outrage at your company’s treatment of providers and the patients you claim to serve. My dentist, [Dentist’s Name or Practice Name], has been forced to leave your network because your reimbursement rates are offensively low, and your administrative demands are excessive and unnecessary.

This is not just a financial inconvenience—it is a betrayal of the trust I placed in your company when I chose my policy. I pay my premiums in good faith, and in return, I expect access to the provider of my choice. Your actions are making that impossible.

It’s time for [Insurance Company’s Name] to stop prioritizing profits over patient care. Specifically, I demand that you:

  1. Increase reimbursement rates to reflect the real cost of quality care.
  2. Eliminate unnecessary red tape that delays approvals and claims processing.
  3. Commit to transparency in your dealings with providers and patients alike.

Your policies are driving providers out of your network, forcing patients to either pay outrageous out-of-pocket costs or settle for subpar care. Enough is enough. I will not sit silently while your company jeopardizes my health and the financial stability of providers like [Dentist’s Name].

I expect a detailed response outlining how you plan to address these issues. If no action is taken, I will escalate my concerns to the Department of Insurance, elected officials, and consumer advocacy organizations. You can reach me at [Your Phone Number] or [Your Email Address].

Sincerely,

Example 4:

Subject: Patients Deserve Better: Enough is Enough

To [Recipient’s Name or Department]:

I am writing out of frustration and anger. My dentist, [Dentist’s Name], has been forced out of [Insurance Company’s Name] network because of the company’s abysmally low reimbursement rates and burdensome policies. I have been with this practice for [X years], and now, because of your company’s greed, I am being asked to disrupt my care or pay significantly more out of pocket.

This needs to be corrected. Patients and providers deserve better. Your company’s actions are not just inconvenient—they are harmful. They create financial stress for patients like me and make it impossible for providers to focus on delivering the care we need.

Your responsibility as an insurance company is to facilitate access to care, not hinder it. Yet your actions prove that profit is your only priority. Enough is enough. I am demanding that you change course immediately:

  • Pay providers fair rates so they can remain in-network and deliver quality care.
  • End the administrative delays that frustrate both patients and providers.
  • Restore trust with the people who pay you to protect their health.

I refuse to stand by while your company damages the doctor-patient relationship I’ve worked hard to maintain. You need to do better—for me, your other policyholders, and the providers who deserve respect and fair compensation.

I expect a response outlining how you will address these issues. Failure to act will result in complaints to the Department of Insurance, media outlets, and every advocacy group I can find. Enough is enough.

Sincerely,

LETTER TO HUMAN RESOURCES:

Example 1:

Subject: Request for Review of [Insurance Company’s Name] Dental Benefits

Dear [HR Representative’s Name],

I am writing to express my concern about the dental insurance provided through our benefits plan with [Insurance Company’s Name]. Recently, I learned that my long-time dentist, [Dentist’s Name], can no longer participate in [Insurance Company’s Name] due to unreasonably low reimbursement rates and burdensome policies.

This change directly impacts my ability to receive high-quality care and reflects poorly on the dental benefits offered by our company. As an employee, I rely on my benefits package to support my health and well-being, but this recent development demonstrates that [Insurance Company’s Name] is not meeting those needs.

I am asking the company to:

  1. Review alternative dental insurance providers that prioritize fair practices and ensure access to quality care.
  2. Consider flexible benefits options like health reimbursement arrangements (HRAs) or employer-funded dental stipends, allowing employees more freedom in choosing their providers.

Providing access to trusted healthcare providers is a vital component of an effective benefits package. I urge you to take action to ensure that our dental benefits truly support the health and satisfaction of employees.

Thank you for your attention to this matter. I am happy to provide additional information or resources if needed.

Sincerely,

Example 2:

Subject: Dental Insurance Concern: Supporting Employees’ Access to Care

Dear [HR Representative’s Name],

As an employee of [Company Name], I am proud of the organization’s commitment to our health and well-being. However, I must share my growing concern about the dental insurance provided through [Insurance Company’s Name]. Recently, my trusted dentist, [Dentist’s Name], had to leave the network due to unfair reimbursement rates and administrative burdens imposed by the insurer.

This change leaves me in a difficult position:

  • Either I continue care with my dentist and absorb significant out-of-pocket costs.
  • Or I switch providers, disrupting years of care and risking a decline in quality.

Neither option reflects the type of support I believe [Company Name] strives to provide to its employees. Dental health is essential, and the current insurance plan undermines access to the care that employees need and deserve.

I kindly request that you:

  1. Engage with employees to better understand the impact of current dental benefits.
  2. Advocate for fairer reimbursement rates from our dental insurer or consider switching to an insurer with better practices.
  3. Provide flexible benefits to ensure employees can choose providers without financial or logistical barriers.

Employees who feel supported by their benefits are more likely to stay loyal and perform at their best. I trust [Company Name] will take this matter seriously and explore solutions to address these concerns.

Thank you for your time and attention. I am happy to discuss this further.

Sincerely,

Example 3:

Subject: Urgent Request to Address Dental Insurance Issues

Dear [HR Representative’s Name],

I am writing to express a significant concern about the dental insurance benefits offered by [Company Name]. Recently, my dentist, [Dentist’s Name], was forced to leave the network due to unsustainable reimbursement rates and excessive administrative burdens imposed by [Insurance Company’s Name]. This change negatively impacts my ability to access timely, high-quality dental care and highlights the limitations of our current plan.

The implications of this issue go beyond individual inconvenience—it has serious repercussions for employee health and productivity. Studies show:

  • Oral health-related issues account for over 164 million hours of lost work annually in the United States (CDC, 2020).
  • Employees with unresolved dental problems are more likely to experience reduced productivity, absenteeism, and workplace fatigue.
  • Limited access to care due to inadequate insurance policies can exacerbate these issues, increasing long-term healthcare costs for both employees and employers.

By failing to provide benefits that ensure access to trusted providers, [Company Name] risks not only employee dissatisfaction but also potential productivity losses. Poor oral health is linked to chronic conditions such as diabetes and heart disease, which can lead to higher absenteeism and reduced performance.

To better support employee health and morale, I urge [Company Name] to:

  1. Reevaluate the partnership with [Insurance Company’s Name] and consider alternative dental plans that prioritize access to quality care and fair reimbursement for providers.
  2. Explore creative solutions, such as direct reimbursement arrangements or employer-funded dental stipends, which would give employees greater flexibility in choosing their providers.
  3. Survey employees to assess their satisfaction with current dental benefits and gather feedback on potential changes.

Investing in better dental benefits will not only improve employee well-being but also demonstrate that [Company Name] values its workforce. Employees who feel supported in their healthcare needs are more engaged, productive, and loyal to their employer.

I appreciate your time and attention to this critical issue. I am happy to provide further information or participate in discussions to improve our benefits.

Sincerely,

Additional Statistics for In-Person Conversations or Emails

If employees prefer to share these insights verbally or via email, they can use the following data points:

  • Impact on Productivity: The American Dental Association (ADA) estimates that employees miss an average of 2.5 days of work annually due to dental problems.
  • Financial Burden: Employees without access to trusted providers are more likely to delay care, leading to higher treatment costs and more extensive medical interventions in the future.
  • Workplace Stress: Unresolved dental issues can lead to pain, poor sleep, and stress, directly affecting performance and morale.
  • Chronic Health Risks: Gum disease has been linked to systemic conditions like cardiovascular disease, which increases absenteeism and healthcare costs.

CFO Communication

Example 1:

Subject: Dental Benefits Need Improvement

Dear [HR Representative’s Name/CFO’s Name],

I am seriously concerned about the dental insurance provided through [Company Name]. [Insurance Company’s Name] has created a situation where trusted, high-quality providers are forced out of the network due to unsustainable reimbursement practices. This means that I, and likely many other employees, will either pay significantly more out of pocket or lose access to the care we’ve relied on for years.

As an employer, [Company Name] prides itself on offering competitive benefits to attract and retain talent. However, the current dental plan fails to meet this standard. It is frustrating and disappointing to know that our benefits align with an insurance company prioritizing profit over patient and provider needs.

I urge the company to:

  1. Reevaluate its partnership with [Insurance Company’s Name], focusing on plans that support access to quality care and fair provider reimbursement.
  2. Survey employees to understand their satisfaction with dental benefits.
  3. Explore alternatives like dental plans that reimburse out-of-network care fairly or direct payment arrangements with providers.

When employees feel supported in their healthcare needs, productivity, morale, and loyalty increase, please take action to ensure that our benefits align with these values.

Sincerely,

Example 2:

Subject: Improving Employee Satisfaction Through Dental Benefits

Dear [CFO’s Name],

As an employee invested in the success of [Company Name], I wanted to bring to your attention an issue affecting not only my access to healthcare but also potentially the satisfaction and retention of our workforce. The dental insurance provided through [Insurance Company’s Name] has caused my provider, [Dentist’s Name], to leave the network due to unsustainable reimbursement rates and excessive administrative demands.

This is not just my issue—it’s likely affecting many employees, as most of us build long-term relationships with our healthcare providers. Here’s why this matters from a business perspective:

  • Employee dissatisfaction: A subpar benefits package negatively impacts morale and retention.
  • Increased absenteeism: Disruptions in dental care can lead to greater health issues and time away from work.
  • Perceived value of benefits: Employees may view this as a sign that [Company Name] does not prioritize their well-being.

I urge [Company Name] to take the following steps:

  1. Reevaluate our dental insurance provider to ensure that we align with a company that prioritizes access to care and fair provider reimbursements.
  2. Explore creative solutions, such as direct provider reimbursement or healthcare stipends for out-of-network care.
  3. Survey employees to assess satisfaction with our current benefits.

By investing in a benefits package that truly supports employee health and provider access, [Company Name] can strengthen loyalty and improve productivity.

Thank you for your attention to this matter. I look forward to hearing about the steps [Company Name] can take to address this concern.

Sincerely,

Talking Points for a Conversation with HR or CFO

If the patient prefers an in-person or verbal approach, here are concise talking points:

  • Introduction: “I wanted to share my concerns about our dental benefits plan with [Insurance Company’s Name]. It’s directly affecting my access to quality care.”
  • Issue: “My dentist has been forced out of the network because the insurance company’s reimbursement rates are too low. Now I either have to pay significantly more out of pocket or switch to a new provider.”
  • Impact: “This disrupts continuity of care, which is essential for maintaining oral health. It also reflects poorly on the value of the benefits we’re offered.”
  • Request: “I’m asking the company to reconsider its partnership with [Insurance Company’s Name] and explore alternative plans or options that better serve employees and their providers.”

MEDICARE AND MEDICAID

CMS oversees federal healthcare programs such as Medicare, Medicaid, and the Affordable Care Act (ACA) Marketplace. It ensures compliance with laws like the Affordable Care Act, which mandates fair access to care, and the Americans with Disabilities Act (ADA), which requires accessibility for people with disabilities.

2. Determine If the Issue Falls Under CMS Jurisdiction

CMS accepts complaints for:

  • Access to Care: Difficulty finding in-network providers, long wait times, or inadequate network coverage.
  • Discrimination: Barriers to care due to disability, race, gender, or other protected characteristics.
  • Medicare and Medicaid: Denials of care, billing disputes, or improper actions by providers or insurers.
  • Insurance Concerns: Issues with ACA Marketplace plans, including unfair coverage limitations.

3. Gather Documentation

Before filing a complaint, patients should collect:

  • Insurance information, such as plan name, policy number, and issuer.
  • Details about the issue (e.g., denied claims, unavailable providers, or barriers to accessing care).
  • Correspondence with the insurer or healthcare provider, such as emails, letters, or call logs.
  • Any medical records or EOBs (Explanation of Benefits) relevant to the complaint.

4. File the Complaint

A. Accessibility Concerns for Medicare and Medicaid

  • Contact 1-800-MEDICARE: Patients can call 1-800-633-4227 (TTY: 1-877-486-2048) for accessibility issues related to Medicare.
  • Use the Medicare Complaint Form: Submit a complaint online via Medicare.gov.

B. Accessibility Concerns for ACA Marketplace Plans

  • Contact the Marketplace Call Center: Patients can call 1-800-318-2596 (TTY: 1-855-889-4325) to report issues with ACA plans.
  • File a Complaint with CMS: Submit the complaint directly to CMS by visiting the CMS Marketplace Grievances page.

C. Medicaid-Specific Issues

  • Contact the State Medicaid Office or the CMS Medicaid program directly via Medicaid.gov to report accessibility issues or network inadequacies.

D. Discrimination and ADA Concerns

  • File a complaint with the Office for Civil Rights (OCR):
    • Submit online via OCR Complaint Portal.
    • Call 1-800-368-1019 (TTY: 1-800-537-7697).

5. Provide Specific Details in the Complaint

When filing a complaint, patients should include:

  • Personal Information: Full name, contact details, and identification information (e.g., Medicare or Medicaid number).
  • Description of the Problem: Clear explanation of the issue, including dates, interactions, and the impact on access to care.
  • Resolution Desired: Specify what outcome the patient is seeking, such as provider accessibility, claim reevaluation, or policy clarification.

6. Follow Up on the Complaint

  • Patients will receive a confirmation number or case ID.
  • Follow up regularly to check the status of the complaint.
  • Be prepared to provide additional information if requested by CMS.

7. Escalate if Necessary

If the issue is not resolved satisfactorily, patients can:

  • Contact their state’s Department of Insurance to escalate insurance-related issues.
  • Appeal directly to the insurer through their formal appeals process.
  • Consult legal or advocacy organizations specializing in healthcare access.

Tips for Advocacy

  • Leverage Community Support: Join advocacy groups focused on healthcare access, such as Families USA or the National Health Law Program.
  • Document Everything: Keep a log of all interactions and communications related to the issue.
  • Engage State and Federal Representatives: Contact elected officials to amplify concerns and push for systemic change.

INSURANCE EXEC REPORTED SALARY:

CompanyCEOYearTotal CompensationCEO-to-Median Employee Pay RatioSource
UnitedHealth GroupAndrew Witty2023$23.5 million352:1Fierce Healthcare
Elevance HealthGail Boudreaux2023$21.9 million389:1S&P Global
CVS HealthKaren Lynch2022$21.3 million392:1CEOWORLD Magazine
CignaDavid Cordani2022$21.0 million273:1CEOWORLD Magazine
HumanaBruce Broussard2022$17.2 million316:1CEOWORLD Magazine
Molina HealthcareJoseph Zubretsky2022$22.1 million348:1CEOWORLD Magazine
Align TechnologyJoseph Hogan2023$28.95 million1,271:1Becker’s Dental
Colgate-PalmoliveNoel Wallace2023$17.12 million336:1Becker’s Dental
Henry ScheinStanley Bergman2023$10.01 million132:1Becker’s Dental
Dentsply SironaSimon Campion2023$8.52 million160:1Becker’s Dental

Note: Compensation figures typically include base salary, stock awards, option awards, non-equity incentive plan compensation, and other forms of compensation. The CEO-to-median employee pay ratio illustrates the disparity between executive compensation and the median employee salary within these companies.

For the most accurate and up-to-date information, it’s recommended to consult the latest proxy statements filed with the Securities and Exchange Commission (SEC) or the companies’ annual reports.

In 2023, the U.S. health insurance industry experienced notable financial outcomes across various segments. Here’s an overview of the reported profits and financial performance of major health and dental insurance companies:

ANNUAL PROFITS

  • UnitedHealth Group: In 2023, UnitedHealth Group reported a net income of approximately $24 billion, reflecting a robust financial performance.
    Becker’s Payer
  • CVS Health (Aetna): CVS Health’s insurance segment, Aetna, reported an operating income of $2.7 billion in 2023.
    Becker’s Payer
  • Elevance Health: Elevance Health reported a net income of $6 billion in 2023, indicating strong profitability.
    Becker’s Payer
  • Cigna Group: Cigna’s net income for 2023 was approximately $5.4 billion, showcasing consistent financial health.
    Becker’s Payer
  • Centene: Centene reported a net income of $2.5 billion in 2023, marking a decrease of 11.3% from the previous year.
    Becker’s Payer
  • Humana: Humana’s net income for 2023 was around $3.5 billion, reflecting stable financial performance.
    Becker’s Payer

Dental Insurance Companies:

While specific profit figures for dental insurance companies are less publicly detailed, the dental insurance market in the U.S. has shown significant growth:

  • Market Size: The U.S. dental insurance market generated revenue of approximately $82.67 billion in 2023 and is projected to reach $149.08 billion by 2030, growing at a compound annual growth rate (CAGR) of 8.8% from 2024 to 2030.
    Grand View Research
  • Major Players: Companies like Delta Dental, MetLife, and Cigna are prominent in the dental insurance sector, contributing to the market’s expansion.

Industry-Wide Insights:

  • Gross Margins: In 2023, per enrollee gross margins were highest in the Medicare Advantage market, averaging $1,982 per enrollee.
    KFF
  • Medical Loss Ratios: The individual insurance market had the lowest medical loss ratios in 2023, indicating a higher proportion of premiums retained as profit after claims were paid.
    KFF

These figures highlight the substantial profitability within the health and dental insurance industries, underscoring their significant roles in the U.S. healthcare system.

STATE DELTA DENTAL AND STATE GOVERNMENT DEPARTMENTS

ALABAMA:

Alabama Department of Insurance:

  • General Contact Information:
  • Mailing Address:
    • P.O. Box 303351
    • Montgomery, AL 36130-3351
  • Physical Address:
    • 201 Monroe Street, Suite 502
    • Montgomery, AL 36104
  • Consumer Services Division:
    • Phone: (334) 241-4141 or 1-800-433-3966
    • Email: ConsumerServices@insurance.alabama.gov
    • Fax: (334) 956-7932

Delta Dental Insurance Company – Alabama:

Delta Dental Insurance Company administers dental plans in Alabama. For customer service and inquiries, you can contact their regional office:

For specific inquiries or assistance, it’s recommended to contact Delta Dental’s customer service directly.

For more detailed information, please visit the official websites of the Alabama Department of Insurance and Delta Dental Insurance Company.

ALASKA:

Alaska Division of Insurance:

  • General Contact Information:
  • Anchorage Office:
    • Mailing/Physical Address:
      • 550 W 7th Ave., Suite 1560
      • Anchorage, AK 99501-3567
  • Juneau Office:
    • Mailing Address:
      • P.O. Box 110805
      • Juneau, AK 99811-0805
    • Physical Address:
      • 333 Willoughby Ave., 9th Floor
      • Juneau, AK 99801-1770
      • Note: Express couriers such as UPS and FedEx require the street address, but U.S. Postal Service does not deliver to the street address.
  • Fax Numbers:
    • Anchorage: (907) 269-7910
    • Juneau: (907) 465-3422

Delta Dental of Alaska:

  • Customer Service:
  • Sales Team:
    • Phone: 907-278-2628
  • Mailing Address:
    • P.O. Box 40384
    • Portland, OR 97240-0384
  • Physical Address:
    • 601 S.W. Second Ave.
    • Portland, OR 97204
  • Website: https://www.deltadentalak.com/

For more detailed information, please visit the official websites of the Alaska Division of Insurance and Delta Dental of Alaska.

ARIZONA: 

Arizona Department of Insurance and Financial Institutions (DIFI):

  • General Contact Information:
    • Address: 100 North 15th Avenue, Suite 261, Phoenix, AZ 85007-2630
    • Insurance Division Phone: (602) 364-3100
    • Financial Institutions Division Phone: (602) 771-2800
    • Toll-Free: (800) 544-0708
    • Email: insurance.consumers@difi.az.gov
    • Website: https://difi.az.gov/
    • Hours: Monday – Friday, 9:00 AM – 4:00 PM (except state-observed holidays)
  • Consumer Services:
    • Phone: (602) 364-2499
    • Spanish Assistance: (602) 364-2977
    • Fax: (602) 364-2505
    • Email: insurance.consumers@difi.az.gov

Delta Dental of Arizona:

  • General Contact Information:
    • Mailing Address: P.O. Box 43026, Phoenix, AZ 85080
    • Street Address: 14850 N Scottsdale Rd., Ste 400, Scottsdale, AZ 85254
    • Customer Service Phone: (602) 938-3131
    • Toll-Free: (800) 352-6132
    • TTY/TDD Users: 711
    • Email: Contact Form
    • Website: https://www.deltadentalaz.com/
  • Claims Mailing Address:
    • Address: P.O. Box 9092, Farmington Hills, MI 48333-9092

For more detailed information, please visit the official websites of the Arizona Department of Insurance and Financial Institutions and Delta Dental of Arizona.

CALIFORNIA:

California Department of Insurance (CDI):

  • Consumer Hotline: 800-927-4357
  • Email: WSB-Assist@insurance.ca.gov
  • Website: https://www.insurance.ca.gov/
  • Mailing Address:
    • California Department of Insurance
    • 320 Capitol Mall
    • Sacramento, CA 95814

Delta Dental of California:

  • Customer Service Phone: 888-335-8227
  • Website: https://www.deltadentalins.com/
  • Mailing Address:
    • Delta Dental of California
    • P.O. Box 997330
    • Sacramento, CA 95899-7330

COLORADO:

Colorado Division of Insurance:

  • General Contact Information:
    • Phone: (303) 894-7499
    • Toll-Free (outside Denver metro area): (800) 930-3745
    • Email: DORA_Insurance@state.co.us
    • Website: https://doi.colorado.gov/
  • Mailing Address:
    • 1560 Broadway, Suite 850
    • Denver, CO 80202
  • Consumer Services:
    • Phone: (303) 894-7490
    • Toll-Free (outside Denver metro area): (800) 930-3745
    • Email: DORA_Insurance@state.co.us

Delta Dental of Colorado:

  • Customer Service:
  • Corporate Headquarters:
    • 6465 Greenwood Plaza Blvd., Suite 900
    • Centennial, CO 80111
  • Claims Mailing Address:
    • P.O. Box 173803
    • Denver, CO 80217-3803
  • For Hearing Impaired (TDD): (800) 659-2656
  • For Spanish-Speaking Assistance: (800) 610-0201

For more detailed information, please visit the official websites of the Colorado Division of Insurance and Delta Dental of Colorado.

CONNECTICUT:

Connecticut Insurance Department:

  • General Contact Information:
  • Mailing Address:
    • P.O. Box 816
    • Hartford, CT 06142-0816
  • Physical Address:
    • 153 Market Street, 7th Floor
    • Hartford, CT 06103
  • Consumer Affairs Division:
    • Phone: (860) 297-3900
    • Toll-Free: (800) 203-3447
    • Email: insurance@ct.gov

Delta Dental of Connecticut:

  • Customer Service:
  • Mailing Address for Claims:
    • P.O. Box 16354
    • Little Rock, AR 72231
  • Mailing Address for Individual & Family Plan Claims:
    • P.O. Box 103
    • Stevens Point, WI 54481

DELAWARE:

Delaware Department of Insurance:

  • Consumer Services Division:
  • Fraud Prevention Unit:
    • Phone: 1-800-632-5154 (toll-free) or (302) 674-7350
    • Email: fraud@delaware.gov
  • Delaware Medicare Assistance Bureau (DMAB):
    • Phone: 1-800-336-9500 (toll-free in Delaware) or (302) 674-7364
    • Email: DMAB@delaware.gov

Delta Dental of Delaware:

Delta Dental of Delaware operates in association with Delta Dental of Pennsylvania. For inquiries and assistance, you can contact their regional office:

  • Customer Service:
  • Mailing Address:
    • Delta Dental of Pennsylvania
    • P.O. Box 2105
    • Mechanicsburg, PA 17055-6999

For more detailed information, please visit the official websites of the Delaware Department of Insurance and Delta Dental of Delaware.

FLORIDA: 

Florida Department of Financial Services:

  • Division of Consumer Services:

Delta Dental Insurance Company – Florida:

For more detailed information, please visit the official websites of the Florida Department of Financial Services and Delta Dental Insurance Company.

GEORGIA: 

Here is the contact information for the Georgia Office of Insurance and Safety Fire Commissioner and Delta Dental Insurance Company in Georgia:

Georgia Office of Insurance and Safety Fire Commissioner:

  • General Contact Information:
  • Mailing Address:
    • 2 Martin Luther King Jr. Drive
    • West Tower, Suite 702
    • Atlanta, GA 30334
  • Consumer Services Division:
    • Phone: (404) 656-2070
    • Toll-Free: (800) 656-2298
    • Email: Consumer Services

Delta Dental Insurance Company – Georgia:

For more detailed information, please visit the official websites of the Georgia Office of Insurance and Safety Fire Commissioner and Delta Dental Insurance Company.

HAWAII:

Hawaii Department of Commerce and Consumer Affairs (DCCA):

  • Insurance Division:
    • Phone: (808) 586-2790
    • Fax: (808) 586-2806
    • Email: insurance@dcca.hawaii.gov
    • Mailing Address:
      • P.O. Box 3614
      • Honolulu, HI 96811
    • Office Location:
      • King Kalakaua Building
      • 335 Merchant Street, Room 213
      • Honolulu, HI 96813
    • Website: https://cca.hawaii.gov/ins/
  • Business Registration Division:
    • Phone: (808) 586-2727
    • Fax: (808) 586-2733
    • Email: breg@dcca.hawaii.gov
    • Mailing Address:
      • P.O. Box 40
      • Honolulu, HI 96810
    • Office Location:
      • King Kalakaua Building
      • 335 Merchant Street, Room 201
      • Honolulu, HI 96813
    • Website: https://cca.hawaii.gov/breg/

Hawaii Dental Service (HDS):

  • Customer Service:
    • Oahu Phone: (808) 529-9248
    • Toll-Free: 1-844-379-4325
    • Email: CS@HawaiiDentalService.com
    • Hours: Monday through Friday, 7:30 a.m. to 4:30 p.m. HST
    • Website: https://www.hawaiidentalservice.com/
  • Mailing Address:
    • Hawaii Dental Service
    • 900 Fort Street Mall, Suite 1900
    • Honolulu, HI 96813-3705

IDAHO:

Idaho Department of Insurance:

  • Consumer Affairs:
    • Phone: (208) 334-4319
    • Toll-Free (in Idaho): 1-800-721-3272
    • Email: Contact Form
    • Mailing Address:
      • P.O. Box 83720
      • Boise, ID 83720-0043
    • Physical Address:
      • 700 W. State Street, 3rd Floor
      • Boise, ID 83702
    • Website: https://doi.idaho.gov/

Delta Dental of Idaho:

  • Customer Service:
  • Mailing Address:
    • P.O. Box 2870
    • Boise, ID 83701
  • Physical Address:
    • 555 E. Parkcenter Blvd.
    • Boise, ID 83706

For more detailed information, please visit the official websites of the Idaho Department of Insurance and Delta Dental of Idaho.

ILLINOIS:

Illinois Department of Insurance:

  • General Contact Information:
    • Springfield Office:
      • Address: 320 W. Washington St., Springfield, IL 62767
      • Phone: (217) 782-4515
    • Chicago Office:
      • Address: 122 S. Michigan Ave., 19th Floor, Chicago, IL 60603
      • Phone: (312) 814-2420
    • Consumer Assistance Hotline: 866-445-5364 (Toll-Free)
    • Email: DOI.InfoDesk@illinois.gov
    • Website: https://insurance.illinois.gov/

Delta Dental of Illinois:

  • Customer Service:
    • Phone: 800-323-1743
    • Email: CSI@deltadentalil.com
    • Website: https://www.deltadentalil.com/
    • Customer Service Hours: 7 a.m. – 7 p.m. Central Time, Monday – Friday
  • Mailing Addresses:
    • Claims Mailing Address:
      • P.O. Box 5402
      • Lisle, IL 60532
    • General Correspondence:
      • 111 Shuman Boulevard
      • Naperville, IL 60563

INDIANA:

Indiana Department of Insurance (IDOI):

  • Consumer Services Division:
    • Phone: 800-622-4461 or 317-232-2395
    • Email: consumerservices@idoi.in.gov
    • Mailing Address:
      • 311 West Washington Street, Suite 103
      • Indianapolis, IN 46204-2787
    • Website: https://www.in.gov/idoi/

Delta Dental of Indiana:

  • Customer Service:
    • Phone: 800-524-0149 (TTY users call 711)
    • Hours: Monday through Friday, 8:30 a.m. to 8 p.m. (Automated system available 24/7)
    • Website: https://www.deltadentalin.com/
  • Mailing Address for Claims:
    • P.O. Box 9085
    • Farmington Hills, MI 48333-9085

For more detailed information, please visit the official websites of the Indiana Department of Insurance and Delta Dental of Indiana.

IOWA: 

Here is the contact information for the Iowa Insurance Division and Delta Dental of Iowa:

Iowa Insurance Division:

  • General Information:
    • Phone: (515) 654-6600
    • Toll-Free (within Iowa): 1-877-955-1212
    • TTY Service (Hamilton Relay): 1-800-735-2942
    • Spanish Service (Hamilton Relay): 1-800-264-7190
    • Website: https://iid.iowa.gov/
  • Mailing Address:
    • Iowa Insurance Division
    • 1963 Bell Avenue, Suite 100
    • Des Moines, IA 50315
  • Consumer Advocate:
    • Phone: (515) 654-6538
  • Fraud Bureau:
    • Phone: (515) 654-6556

Delta Dental of Iowa:

  • Customer Service:
    • Phone: 1-800-544-0718
    • Fax: 1-888-264-1440
    • Email: claims@deltadentalia.com
    • Hours: Monday through Friday, 7:30 a.m. to 5:00 p.m. (CST)
    • Website: https://www.deltadentalia.com/
  • Mailing Address:
    • Delta Dental of Iowa
    • P.O. Box 9010
    • Johnston, IA 50131-9010
  • Hearing Impaired Assistance:
    • Phone: 1-888-287-7312
    • Hours: Monday through Friday, 7:30 a.m. to 5:00 p.m. (CST)

For more detailed information, please visit the official websites of the Iowa Insurance Division and Delta Dental of Iowa

KANSAS:

Kansas Insurance Department:

  • Consumer Assistance Division:
    • Phone: 800-432-2484 (Toll-Free) or 785-296-7829
    • Email: kid.webcomplaints@ks.gov
    • Mailing Address:
      • 1300 SW Arrowhead Road
      • Topeka, KS 66604-4019
    • Website: https://insurance.kansas.gov/

Delta Dental of Kansas:

  • Customer Service:
  • Mailing Address for Claims:
    • P.O. Box 789769
    • Wichita, KS 67278-9769

For more detailed information, please visit the official websites of the Kansas Insurance Department and Delta Dental of Kansas.

KENTUCKY:

Kentucky Department of Insurance:

  • Consumer Assistance Division:
    • Phone: (502) 564-3630
    • Toll-Free: 1-800-595-6053
    • Email: DOI.Commissioner@ky.gov
    • Mailing Address:
      Kentucky Department of Insurance
      500 Mero Street, 2 SE 11
      Frankfort, KY 40601
    • Website: https://insurance.ky.gov/

Delta Dental of Kentucky:

  • Customer Service:
  • Mailing Address:
    Delta Dental of Kentucky
    P.O. Box 242810
    Louisville, KY 40224-2810
  • Physical Address:
    10100 Linn Station Road
    Louisville, KY 40223

LOUISIANA:

Louisiana Department of Insurance:

  • Consumer Services Division:
    • Phone: (225) 342-5900
    • Toll-Free: 1-800-259-5300
    • Email: Contact Form
    • Mailing Address:
      • P.O. Box 94214
      • Baton Rouge, LA 70804
    • Physical Address:
      • 1702 N. Third Street
      • Baton Rouge, LA 70802
    • Website: https://www.ldi.la.gov/

Delta Dental Insurance Company – Louisiana:

For more detailed information, please visit the official websites of the Louisiana Department of Insurance and Delta Dental Insurance Company.

MAINE:

Maine Bureau of Insurance:

  • Consumer Assistance Division:
    • Phone: (207) 624-8475
    • Toll-Free: 1-800-300-5000
    • Email: insurance.pfr@maine.gov
    • Mailing Address:
      Bureau of Insurance
      34 State House Station
      Augusta, ME 04333
    • Website: https://www.maine.gov/pfr/insurance/

Delta Dental of Maine (Northeast Delta Dental):

  • Customer Service:
  • Mailing Address:
    Northeast Delta Dental
    P.O. Box 2002
    Concord, NH 03302-2002

MARYLAND:

Maryland Insurance Administration:

  • Consumer Assistance Division:
    • Phone: (410) 468-2000
    • Toll-Free: 1-800-492-6116
    • Email: insurance.mia@maryland.gov
    • Mailing Address:
      Maryland Insurance Administration
      200 St. Paul Place, Suite 2700
      Baltimore, MD 21202
    • Website: https://insurance.maryland.gov/

Delta Dental of Maryland (via Delta Dental of Pennsylvania):

  • Customer Service:
  • Mailing Address:
    Delta Dental of Pennsylvania
    P.O. Box 2105
    Mechanicsburg, PA 17055-6999

MASSACHUSETTS:

Massachusetts Division of Insurance:

Delta Dental of Massachusetts:

  • Customer Service:
    • Phone: (617) 886-1234
    • Toll-Free: (800) 872-0500
    • Email: customer.care@deltadentalma.com
    • Hours: Monday – Friday, 8:00 a.m. to 8:00 p.m. EST
    • Website: https://deltadentalma.com/
  • Mailing Address for Claims:
    • P.O. Box 2907
    • Milwaukee, WI 53201-2907
  • Professional Relations:
    • Phone: (617) 886-1009
    • Email: ProviderRelations@deltadentalmass.com

For more detailed information, please visit the official websites of the Massachusetts Division of Insurance and Delta Dental of Massachusetts.

MICHIGAN:

Michigan Department of Insurance and Financial Services

michigan.gov

Here is the contact information for the Michigan Department of Insurance and Financial Services (DIFS) and Delta Dental of Michigan:

Michigan Department of Insurance and Financial Services (DIFS):

  • General Contact Information:
    • Phone: 877-999-6442 (Toll-Free)
      Michigan State Government
    • Fax: 517-284-8837
    • Email: DIFSInfo@michigan.gov
    • Hours of Operation: Monday – Friday, 8:00 AM – 5:00 PM (EST)
  • Mailing Addresses:
    • General Mailing Address:
      • DIFS
      • PO Box 30220
      • Lansing, MI 48909-7720
    • Delivery/Street Address:
      • DIFS
      • 530 W. Allegan Street, 7th Floor
      • Lansing, MI 48933
      • Note: USPS does not deliver to this street address. Overnight documents sent via USPS may experience delays. Other delivery services like UPS or FedEx typically deliver directly to this address.
         Michigan State Government

Delta Dental of Michigan:

  • Customer Service Contact Information:
    • Group Plan Members:
      • Phone: 800-524-0149 (TTY users call 711)
      • Hours: Monday – Friday, 8:30 AM – 8:00 PM (EST)
      • Automated System: Available 24/7
    • Individual Policy Members:
      • Phone: 800-971-4108
      • Hours: Monday – Friday, 8:00 AM – 6:00 PM (EST)
      • Automated System: Available 24/7
        Delta Dental of Michigan
  • Mailing Addresses:
    • Claims Mailing Address:
      • Delta Dental
      • PO Box 9085
      • Farmington Hills, MI 48333-9085
    • Mailing Address for Written Inquiries:

For more detailed information, you can visit the official websites of DIFS and Delta Dental of Michigan.

MINNESOTA:

Minnesota Department of Commerce:

  • Consumer Services:
    • Phone: (651) 539-1600
    • Email: consumer.protection@state.mn.us
    • Mailing Address:
      • 85 7th Place East, Suite 280
      • Saint Paul, MN 55101
    • Website: https://mn.gov/commerce/

Delta Dental of Minnesota:

  • Customer Service:
  • Mailing Address:
    • P.O. Box 59238
    • Minneapolis, MN 55459-0238
  • Corporate Headquarters:
    • 500 Washington Avenue South, Suite 2060
    • Minneapolis, MN 55415

For more detailed information, please visit the official websites of the Minnesota Department of Commerce and Delta Dental of Minnesota.

MISSISSIPPI:

Mississippi Insurance Department:

  • Consumer Services Division:
    • Phone: (601) 359-3569
    • Toll-Free: 1-800-562-2957
    • Email: Contact Form
    • Mailing Address:
      • P.O. Box 79
      • Jackson, MS 39205-0079
    • Physical Address:
      • 1001 Woolfolk State Office Building
      • 501 North West Street
      • Jackson, MS 39201
    • Website: https://www.mid.ms.gov/

Delta Dental Insurance Company – Mississippi:


MISSOURI:

Missouri Department of Commerce & Insurance:

  • Consumer Affairs Division:
    • Phone: (573) 751-4126
    • Toll-Free: 1-800-726-7390
    • Email: consumeraffairs@insurance.mo.gov
    • Mailing Address:
      • P.O. Box 690
      • Jefferson City, MO 65102-0690
    • Physical Address:
      • Harry S Truman State Office Building
      • 301 W. High St., Room 530
      • Jefferson City, MO 65101
    • Website: https://insurance.mo.gov/

Delta Dental of Missouri:

  • Customer Service:
  • Mailing Address:
    • P.O. Box 8690
    • St. Louis, MO 63126-0690
  • Physical Address:
    • 12399 Gravois Road
    • St. Louis, MO 63127-1702

For more detailed information, please visit the official websites of the Missouri Department of Commerce & Insurance and Delta Dental of Missouri.

MONTANA:

Montana Commissioner of Securities and Insurance:

  • Consumer Services:
    • Life and Health Insurance Inquiries:
      • Phone: (406) 444-2040
      • Email: csimt@mt.gov
    • Property and Casualty Insurance Inquiries:
      • Phone: (406) 444-2040
      • Email: csimt@mt.gov
    • Fax: (406) 444-3497
    • Mailing Address:
      • 840 Helena Avenue
      • Helena, MT 59601
    • Website: https://csimt.gov/

Delta Dental of Montana:

For more detailed information, please visit the official websites of the Montana Commissioner of Securities and Insurance and Delta Dental Insurance Company.

NEBRASKA:

Nebraska Department of Insurance:

  • Consumer Affairs Division:
    • Phone: (402) 471-2201
    • Toll-Free (in Nebraska): 1-877-564-7323
    • Email: doi.consumer.affairs@nebraska.gov
    • Mailing Address:
      • P.O. Box 95087
      • Lincoln, NE 68509-5087
    • Website: https://doi.nebraska.gov/

Delta Dental of Nebraska:

For more detailed information, please visit the official websites of the Nebraska Department of Insurance and Delta Dental of Nebraska.

NEVADA:

Nevada Division of Insurance:

  • Consumer Services:
    • Northern Nevada Phone: (775) 687-0700
    • Southern Nevada Phone: (702) 486-4009
    • Toll-Free (within Nevada): 1-888-872-3234
    • Email: Contact Form
    • Mailing Address:
      • 1818 East College Parkway, Suite 103
      • Carson City, NV 89706
    • Website: https://doi.nv.gov/

Delta Dental Insurance Company – Nevada:

For more detailed information, please visit the official websites of the Nevada Division of Insurance and Delta Dental Insurance Company.

NEW HAMPSHIRE:

New Hampshire Insurance Department:

  • Consumer Services:
    • Phone: (603) 271-2261
    • Toll-Free (within NH): 1-800-852-3416
    • Email: requests@ins.nh.gov
    • Mailing Address:
      • 21 South Fruit Street, Suite 14
      • Concord, NH 03301
    • Website: https://www.nh.gov/insurance/

Northeast Delta Dental (serving New Hampshire):

  • Customer Service:
  • Mailing Address:
    • One Delta Drive
    • P.O. Box 2002
    • Concord, NH 03302-2002

For more detailed information, please visit the official websites of the New Hampshire Insurance Department and Northeast Delta Dental.

NEW JERSEY:

New Jersey Department of Banking and Insurance:

  • Consumer Assistance:
    • Phone: (609) 292-7272
    • Toll-Free: 1-800-446-7467
    • Email: Contact Form
    • Mailing Address:
      • P.O. Box 325
      • Trenton, NJ 08625-0325
    • Website: https://www.nj.gov/dobi/

Delta Dental of New Jersey:

  • Customer Service:
    • Phone: 1-800-452-9310
    • Hours: Monday–Thursday, 8:00 AM to 6:30 PM ET; Friday, 8:00 AM to 5:00 PM ET
    • Email: Contact Form
    • Website: https://www.deltadentalnj.com/
  • Mailing Address:
    • P.O. Box 16354
    • Little Rock, AR 72231

For more detailed information, please visit the official websites of the New Jersey Department of Banking and Insurance and Delta Dental of New Jersey.

NEW MEXICO:

New Mexico Office of Superintendent of Insurance:

  • Consumer Assistance Bureau:
    • Phone: (505) 827-4601
    • Toll-Free: 1-855-427-5674
    • Email: Consumer.Complaints@state.nm.us
    • Mailing Address:
      • P.O. Box 1689
      • Santa Fe, NM 87504-1689
    • Website: https://www.osi.state.nm.us/

Delta Dental of New Mexico:

  • Customer Service:
  • Mailing Address:
    • 2500 Louisiana Blvd. NE, Suite 600
    • Albuquerque, NM 87110

For more detailed information, please visit the official websites of the New Mexico Office of Superintendent of Insurance and Delta Dental of New Mexico.

NEW YORK: 

New York State Department of Financial Services (DFS):

  • Consumer Assistance:
    • Phone: (800) 342-3736
    • Email: licensing@dfs.ny.gov
    • Mailing Address:
      • One State Street
      • New York, NY 10004-1511
    • Website: https://www.dfs.ny.gov/

Delta Dental of New York:

For more detailed information, please visit the official websites of the New York State Department of Financial Services and Delta Dental of New York.

NORTH CAROLINA:

North Carolina Department of Insurance:

  • Consumer Services Division:
    • Phone: (855) 408-1212
    • Email: consumer.services@ncdoi.gov
    • Mailing Address:
      • 1201 Mail Service Center
      • Raleigh, NC 27699-1201
    • Website: https://www.ncdoi.gov/

Delta Dental of North Carolina:

For more detailed information, please visit the official websites of the North Carolina Department of Insurance and Delta Dental of North Carolina.

NORTH DAKOTA:

North Dakota Insurance Department:

  • Consumer Assistance:
    • Phone: (701) 328-2440
    • Toll-Free: 1-800-247-0560
    • Email: insurance@nd.gov
    • Mailing Address:
      • 600 E Boulevard Ave.
      • Bismarck, ND 58505-0320
    • Website: https://www.insurance.nd.gov/

Delta Dental of North Dakota:

For more detailed information, please visit the official websites of the North Dakota Insurance Department and Delta Dental of Minnesota, which administers Delta Dental plans for North Dakota.

OHIO:


Ohio Department of Insurance:

  • Consumer Services Division:
    • Phone: (614) 644-2673
    • Toll-Free: 1-800-686-1526
    • Email: consumer.services@insurance.ohio.gov
    • Mailing Address:
      • 50 W Town Street, Suite 300
      • Columbus, OH 43215
    • Website: https://insurance.ohio.gov/

Delta Dental of Ohio:

For more detailed information, please visit the official websites of the Ohio Department of Insurance and Delta Dental of Ohio.

OKLAHOMA:

Oklahoma Insurance Department:

  • Consumer Assistance:
    • Phone: (405) 521-2828
    • In-State Toll-Free: 1-800-522-0071
    • Email: licensing@oid.ok.gov
    • Mailing Address:
      • 400 NE 50th Street
      • Oklahoma City, OK 73105
    • Website: https://www.oid.ok.gov/

Delta Dental of Oklahoma:

  • Customer Service:
  • Mailing Address:
    • P.O. Box 54709
    • Oklahoma City, OK 73154-1709

For more detailed information, please visit the official websites of the Oklahoma Insurance Department and Delta Dental of Oklahoma.

OREGON:

Oregon Division of Financial Regulation:

  • Consumer Advocacy:
    • Phone: (503) 947-7984
    • Toll-Free: 1-888-877-4894
    • Email: dfr.insurancehelp@oregon.gov
    • Mailing Address:
      • P.O. Box 14480
      • Salem, OR 97309-0405
    • Website: https://dfr.oregon.gov/

Delta Dental of Oregon:

  • Customer Service:
  • Mailing Address:
    • P.O. Box 40384
    • Portland, OR 97240-0384

For more detailed information, please visit the official websites of the Oregon Division of Financial Regulation and Delta Dental of Oregon.

PENNSYLVANIA:

Pennsylvania Insurance Department:

Delta Dental of Pennsylvania:

For more detailed information, please visit the official websites of the Pennsylvania Insurance Department and Delta Dental of Pennsylvania.



PUERTO RICO:

Puerto Rico Office of the Commissioner of Insurance:

  • Consumer Services:
    • Phone: (787) 304-8686
    • Toll-Free: 1-888-722-8686
    • Email: compliance@ocs.pr.gov
    • Mailing Address:
      • P.O. Box 195415
      • San Juan, PR 00919
    • Physical Address:
      • World Plaza Building
      • 268 Ave. Muñoz Rivera, 9th Floor
      • San Juan, PR 00918
    • Website: https://www.ocs.pr.gov/

Delta Dental of Puerto Rico:

  • Customer Service:
  • Mailing Address:
    • P.O. Box 9020992
    • San Juan, PR 00902-0992

For more detailed information, please visit the official websites of the Puerto Rico Office of the Commissioner of Insurance and Delta Dental of Puerto Rico.

RHODE ISLAND:

Rhode Island Department of Business Regulation, Insurance Division:

  • Consumer Services:
    • Phone: (401) 462-9520
    • Email: DBR.Insurance@dbr.ri.gov
    • Mailing Address:
      • 1511 Pontiac Avenue
      • Cranston, RI 02920
    • Website: http://www.dbr.ri.gov/divisions/insurance/

Delta Dental of Rhode Island:

For more detailed information, please visit the official websites of the Rhode Island Department of Business Regulation, Insurance Division and Delta Dental of Rhode Island.


SOUTH CAROLINA:

South Carolina Department of Insurance:

  • Consumer Services Division:
    • Phone: (803) 737-6180
    • Toll-Free: 1-800-768-3467
    • Email: info@doi.sc.gov
    • Mailing Address:
      • P.O. Box 100105
      • Columbia, SC 29202-3105
    • Physical Address:
      • 1201 Main Street, Suite 1000
      • Columbia, SC 29201
    • Website: https://www.doi.sc.gov/

Delta Dental of South Carolina:

  • Customer Service:
  • Mailing Address:
    • P.O. Box 8690
    • St. Louis, MO 63126-0690
  • Physical Address:
    • 1201 Main Street, Suite 1010
    • Columbia, SC 29201

For more detailed information, please visit the official websites of the South Carolina Department of Insurance and Delta Dental of South Carolina.

SOUTH DAKOTA:

South Dakota Division of Insurance:

  • Consumer Services:
    • Phone: (605) 773-3563
    • Fax: (605) 773-5369
    • Email: insurance@state.sd.us
    • Mailing Address:
      • 124 South Euclid Avenue, 2nd Floor
      • Pierre, SD 57501
    • Website: https://dlr.sd.gov/insurance/

Delta Dental of South Dakota:

  • Customer Service:
  • Mailing Address:
    • P.O. Box 1157
    • Pierre, SD 57501
  • Physical Address:
    • 720 N. Euclid Avenue
    • Pierre, SD 57501

For more detailed information, please visit the official websites of the South Dakota Division of Insurance and Delta Dental of South Dakota.


TENNESSEE:

Tennessee Department of Commerce & Insurance:

  • Consumer Insurance Services:
    • Phone: (615) 741-2218
    • Toll-Free: 1-800-342-4029
    • Email: Ask.TDCI@tn.gov
    • Mailing Address:
      • 500 James Robertson Parkway
      • Nashville, TN 37243
    • Website: https://www.tn.gov/commerce.html

Delta Dental of Tennessee:

  • Customer Service:
  • Mailing Address:
    • 240 Venture Circle
    • Nashville, TN 37228

For more detailed information, please visit the official websites of the Tennessee Department of Commerce & Insurance and Delta Dental of Tennessee.



TEXAS:

Texas Department of Insurance:

  • Consumer Help Line:
    • Phone: 1-800-252-3439
    • Email: ConsumerProtection@tdi.texas.gov
    • Mailing Address:
      • P.O. Box 12030
      • Austin, TX 78711
    • Website: https://www.tdi.texas.gov/

Delta Dental of Texas:

For more detailed information, please visit the official websites of the Texas Department of Insurance and Delta Dental Insurance Company.



UTAH:

Utah Insurance Department:

  • Consumer Assistance:
    • Phone: (801) 957-9200
    • In-State Toll-Free: 1-800-439-3805
    • Email: insurance@utah.gov
    • Mailing Address:
      • 4315 S. 2700 W., Suite 2300
      • Taylorsville, UT 84129
    • Website: https://insurance.utah.gov/

Delta Dental Insurance Company – Utah:

For more detailed information, please visit the official websites of the Utah Insurance Department and Delta Dental Insurance Company.



VERMONT:

Vermont Department of Financial Regulation:

  • Consumer Services:
    • Phone: (802) 828-3301
    • Toll-Free (in VT): 1-800-964-1784
    • Email: dfr.insuranceinfo@vermont.gov
    • Mailing Address:
      • 89 Main Street
      • Montpelier, VT 05620-3101
    • Website: https://dfr.vermont.gov/

Northeast Delta Dental (serving Vermont):

  • Customer Service:
  • Mailing Address:
    • P.O. Box 2002
    • Concord, NH 03302-2002

For more detailed information, please visit the official websites of the Vermont Department of Financial Regulation and Northeast Delta Dental.

VIRGINIA:

Virginia State Corporation Commission (SCC):

  • Bureau of Insurance:
    • Phone: (804) 371-9741
    • Toll-Free: 1-877-310-6560
    • Email: BureauofInsurance@scc.virginia.gov
    • Mailing Address:
      • P.O. Box 1157
      • Richmond, VA 23218
    • Website: https://www.scc.virginia.gov/

Delta Dental of Virginia:

  • Customer Service:
    • Phone: 1-800-237-6060
    • Local: (540) 989-8000
    • TTY: 1-877-287-9039
    • Email: service@deltadentalva.com
    • Mailing Address:
      • P.O. Box 103
      • Stevens Point, WI 54481-0103
    • Website: https://deltadentalva.com/

For more detailed information, please visit the official websites of the Virginia State Corporation Commission and Delta Dental of Virginia.


WASHINGTON:

Washington State Office of the Insurance Commissioner:

  • Consumer Protection Division:
    • Phone: 1-800-562-6900
    • Email: cap@oic.wa.gov
    • Mailing Address:
      • P.O. Box 40255
      • Olympia, WA 98504-0255
    • Website: https://www.insurance.wa.gov/

Delta Dental of Washington:

  • Customer Service:

For more detailed information, please visit the official websites of the Washington State Office of the Insurance Commissioner and Delta Dental of Washington.


WEST VIRGINIA:

West Virginia Offices of the Insurance Commissioner:

  • Consumer Services Division:
    • Phone: (304) 558-3386
    • Toll-Free: 1-888-TRY-WVIC (1-888-879-9842)
    • Email: OICConsumerServices@wv.gov
    • Mailing Address:
      • P.O. Box 50540
      • Charleston, WV 25305-0540
    • Physical Address:
      • 900 Pennsylvania Avenue
      • Charleston, WV 25302
    • Website: https://www.wvinsurance.gov/

Delta Dental of West Virginia:

For more detailed information, please visit the official websites of the West Virginia Offices of the Insurance Commissioner and Delta Dental of West Virginia.



WISCONSIN:  

Wisconsin Office of the Commissioner of Insurance:

  • Consumer Affairs:
    • Phone: (608) 266-3585
    • Toll-Free: 1-800-236-8517
    • Email: ociquestions@wisconsin.gov
    • Mailing Address:
      • P.O. Box 7873
      • Madison, WI 53707-7873
    • Physical Address:
      • 125 South Webster Street
      • Madison, WI 53703
    • Website: https://oci.wi.gov/

Delta Dental of Wisconsin:

For more detailed information, please visit the official websites of the Wisconsin Office of the Commissioner of Insurance and Delta Dental of Wisconsin.


WYOMING:

Wyoming Department of Insurance:

  • Consumer Affairs:
    • Phone: (307) 777-7401
    • Email: doi.complaints@wyo.gov
    • Mailing Address:
      • 106 East 6th Avenue
      • Cheyenne, WY 82002
    • Website: http://doi.wyo.gov/

Delta Dental of Wyoming:

For more detailed information, please visit the official websites of the Wyoming Department of Insurance and Delta Dental of Wyoming.

Disclaimer

The templates and resources provided herein, including all Delta and state-specific contacts and communication templates, are intended for general informational purposes only and should not be construed as legal, financial, or professional advice. Users are strongly encouraged to consult with an experienced consultant and review their state’s specific laws and regulations before utilizing any of the provided materials.

For personalized guidance and support with transitioning to a fee-for-service model or for more information on achieving your goals, please visit my website at www.StephanieWright.com.

Stephanie Wright Consulting assumes no liability for the misuse of these materials or for any outcomes resulting from their use without proper consultation and compliance review.

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