We've been on delta dental for a number of years. There are a number of restrictions but something you didn't mention is if your dentist is a network dentist, then it operates like Medicare and Tricare. Your dentist must accept the Tricare allowed amount which can be a pretty significant discount. Finally, if you and your wife have few dental problems then savings could be a crap shoot. I had the same concerns you do but am glad we took the insurance.
