As we age, maintaining good dental health becomes increasingly important. That’s why AARP offers its members exclusive access to dental insurance plans designed specifically for people aged 50 and above. These plans, administered by Delta Dental Insurance Company, provide comprehensive coverage for eligible dependents, ensuring that you and your loved ones can receive the dental care you need.
Key Takeaways:
- AARP dental insurance plans are tailored for individuals aged 50 and above.
- The plans offer comprehensive coverage for eligible dependents.
- Delta Dental Insurance Company administers the AARP dental insurance plans.
- There are three dental insurance plans to choose from, including DHMO and PPO options.
- Take the time to carefully review plan details, costs, and limitations before making a decision.
AARP Dental Insurance Plans Overview
AARP offers three dental insurance plans administered by Delta Dental Insurance Company. These plans are tailored for seniors and provide comprehensive coverage for common dental procedures. The plans include two PPO (Preferred Provider Organization) options and one DHMO (Dental Health Maintenance Organization) plan.
PPO Plans
The AARP PPO plans offer seniors the flexibility to choose their own dentists and receive coverage for a wide range of dental services. With these plans, members can visit both in-network and out-of-network dentists, although there are greater cost savings when using an in-network provider.
The two PPO plans offered by AARP are:
- Plan A: This plan provides coverage for a comprehensive list of dental treatments, including preventive care, basic restorative procedures, and major services such as root canals and crowns.
- Plan B: With Plan B, members enjoy coverage for preventive care, basic restorative procedures, and major services. This plan offers a lower premium compared to Plan A, making it an affordable option for seniors.
Both PPO plans allow members to visit any licensed dentist of their choice without needing a referral, ensuring convenience and flexibility in accessing dental care.
DHMO Plan
The AARP DHMO plan, known as the AARP DeltaCare USA Plan, provides affordable dental coverage through a network of contracted dentists. Members must select a primary dentist from the network and receive referrals from their primary dentist for specialist visits.
The key features of the AARP DHMO plan include:
- No deductibles or annual maximums
- No waiting periods for coverage
- Fixed copayments for covered services, ensuring predictable costs
- Access to a broad range of dental services, including preventive care, basic restorative procedures, and orthodontics for both adults and children
This DHMO plan offers a cost-effective option for seniors looking for comprehensive dental coverage with predictable copayments.
To further illustrate the coverage details and benefits of the AARP dental insurance plans, refer to the comparison table below:
| Plan Type | Coverage | In-Network Savings | Out-of-Network Coverage | Waiting Periods |
|---|---|---|---|---|
| PPO Plan A | Comprehensive coverage for preventive, basic, and major services | Greater cost savings when using in-network providers | Coverage available, but with higher out-of-pocket costs | No waiting period for preventive care; 12-month waiting period for restorative services |
| PPO Plan B | Coverage for preventive, basic, and major services | Cost savings with in-network dentists | Member can choose out-of-network dentist without a referral | No waiting period for preventive care; 12-month waiting period for restorative services |
| DHMO Plan | Comprehensive coverage with fixed copayments | Predictable costs with contracted dentists | Out-of-network coverage not available | No waiting period for any covered services |
By offering multiple types of dental insurance plans, AARP ensures that seniors have options to fit their specific oral health needs and budgets. Whether choosing a PPO plan for greater flexibility or a DHMO plan for lower costs, AARP members can enjoy comprehensive dental coverage through Delta Dental Insurance Company.
AARP DeltaCare USA Plan
The AARP DeltaCare USA Plan is a Dental Health Maintenance Organization (DHMO) plan designed to provide affordable dental coverage and discounted dental services for AARP members. This plan offers a range of benefits and features that cater specifically to the dental care needs of seniors.
Key Features of the AARP DeltaCare USA Plan:
- No Waiting Period: Unlike some dental insurance plans, the AARP DeltaCare USA Plan does not impose any waiting period. Once enrolled, members can start accessing discounted dental services immediately.
- No Annual Deductible: With this plan, there is no annual deductible to meet before receiving benefits. This means that members can enjoy discounted dental services without having to reach a certain threshold of out-of-pocket expenses.
- No Spending Limit: The AARP DeltaCare USA Plan does not have a cap on the amount of dental care covered. Members can receive the necessary dental treatments and services without worrying about exceeding a maximum spending limit.
- DeltaCare USA Network Dentists: To maximize the benefits of this plan, members are required to select a dentist from the DeltaCare USA Contract Dentists network. These dentists have agreed to offer discounted rates for services covered by the plan.
- Referral for Specialty Care: If a member requires specialized dental care, such as orthodontics or oral surgery, a referral from the primary care dentist is necessary. This ensures that all members receive appropriate and coordinated dental treatment.
- Emergency Dental Treatment: The AARP DeltaCare USA Plan also covers emergency dental treatment, providing peace of mind in case of unexpected dental emergencies. Coverage for emergency treatment may be subject to certain limitations.
By choosing the AARP DeltaCare USA Plan, AARP members can benefit from discounted dental services, no waiting period, no annual deductible, and no spending limit. With access to a network of contracted dentists, members can receive the necessary dental care at affordable rates.
For a better understanding of the cost savings and discounts offered by the AARP DeltaCare USA Plan, refer to the following table:
| Dental Service | Cost for AARP DeltaCare USA Plan Members |
|—————|—————————————-|
| Exams | $0 |
| Cleanings | $5 (twice annually) |
| Fillings | $8 – $95 |
| Orthodontics | Varies by individual treatment |
Note: The costs for dental services mentioned above are approximate and may vary depending on the location and specific provider charges.
AARP PPO Plans
AARP offers two PPO plans, Plan A and Plan B, that provide affordable dental coverage for seniors and valuable dental benefits for AARP members. These plans are designed to offer flexibility and convenience, ensuring that members can access quality dental care at dental practices nationwide.
With AARP’s PPO plans, members have the freedom to choose their dentist and can even opt to see out-of-network providers without needing a referral. This flexibility allows seniors to receive dental treatment from their preferred providers, offering peace of mind and personalized care.
The AARP PPO plans also offer significant savings for in-network dentists, making dental care more affordable for members. By choosing an in-network dentist, members can take advantage of negotiated rates and reduced fees, helping them save on various dental procedures.
Benefits of AARP PPO Plans
The AARP PPO plans cover a wide range of dental services, including basic and preventive care, as well as restorative treatments. Members can receive immediate coverage for basic and preventive procedures, such as dental exams, cleanings, and X-rays. However, there is a 12-month waiting period for restorative care, such as fillings and crowns.
Here’s a breakdown of the coverage provided by the AARP PPO plans:
| Procedure | Plan A Coverage | Plan B Coverage |
|---|---|---|
| Exams and X-rays | Covered at 100% (in-network) | Covered at 80% (in-network) |
| Fillings | Covered at 80% (in-network) | Covered at 50% (in-network) |
| Crowns | Not covered during the first 12 months | Not covered during the first 12 months |
These PPO plans give seniors the flexibility to choose the coverage level that best suits their budget and dental needs. Members can select Plan A for more comprehensive coverage or choose Plan B for a slightly lower premium.
AARP’s PPO plans provide affordable dental coverage for seniors, ensuring that AARP members can access quality dental care without breaking the bank. With affordable premiums and the freedom to choose their dentist, seniors can maintain healthy smiles and enjoy the benefits of comprehensive dental insurance.
Cost of AARP Dental Insurance Plans
The cost of AARP dental insurance plans can vary depending on location and the specific plan chosen. Monthly individual plan costs range from $32.72 to $72.10 in Miami, Florida, for example. It’s important to consider your dental care needs and budget when selecting a plan. AARP dental insurance plans are available to individuals, as well as their eligible family members and families, with at least one enrolled family member being an active AARP member.
Coverage Details and Limitations
The coverage provided by AARP dental insurance plans varies depending on the plan type and location. In general, the plans offer comprehensive coverage for basic, preventive, and restorative dental care.
With AARP dental coverage, members can enjoy benefits such as:
- Regular check-ups and cleanings
- X-rays and diagnostic tests
- Fillings and simple extractions
- Crowns, bridges, and dentures
- Root canals and oral surgery
However, it’s important to note that there may be specific limitations and restrictions within each plan. Some common limitations include:
- Waiting periods for certain treatments
- Annual coverage limits for specific procedures
- Exclusions for cosmetic dentistry
- Requirements for pre-authorization or referrals for specialty care
To understand the coverage details and limitations of your specific AARP dental insurance plan, it is recommended to review the plan documentation provided, such as the Certificate of Coverage and Limitations and Exclusions. These documents provide comprehensive information about what is covered, what is excluded, and any specific requirements or restrictions.
“Understanding the coverage and limitations of your AARP dental insurance plan is essential for making informed decisions about your dental care.”
By familiarizing yourself with the specifics of your plan, you can make the most of your AARP dental coverage and ensure that you receive the dental care you need.
AARP DHMO Plan Costs and Coverage
The AARP Dental Health Maintenance Organization (DHMO) plan offers affordable dental coverage with flat fees for various dental services. With this plan, members can access comprehensive dental care at affordable rates, ensuring their oral health needs are met without breaking the bank. Let’s take a closer look at the costs and coverage provided by the AARP DHMO plan.
Costs
Under the AARP DHMO plan, members can enjoy significant savings on dental services. The cost of specific procedures may vary depending on the location and zip code. For example, in the 10025 zip code in New York City, the fees for common dental services are as follows:
| Procedure | Cost |
|---|---|
| Exams and X-rays | $0 |
| Cleanings (twice annually) | $5 |
| Fillings | $8 – $95 |
These flat fees ensure that members have a clear understanding of the costs associated with each procedure, making budgeting for dental care much simpler.
Coverage
With the AARP DHMO plan, members have access to a comprehensive range of dental services. In addition to basic preventive care like exams, X-rays, and cleanings, the plan also covers more extensive procedures such as fillings and oral surgery. What’s more, orthodontic coverage is available under the DHMO plan, providing members with affordable options for straightening their teeth.
It’s essential to note that to access the coverage offered by the AARP DHMO plan, members must choose a dentist from the DeltaCare USA Contract Dentists network. In case specialty care is required, a referral from the primary dentist is necessary. Emergency dental treatment is also covered, subject to certain limitations and provisions.
The AARP DHMO plan is an excellent option for individuals and families looking for affordable dental coverage with transparent costs and comprehensive services. By choosing this plan, members can maintain their oral health without worrying about exorbitant fees or unexpected expenses.
AARP PPO Plan Costs and Coverage
The AARP PPO plans offer extensive coverage and savings on treatment costs. Members have the flexibility to choose their preferred dentist and receive discounts on various procedures. Here’s a breakdown of the costs and coverage:
Exams and X-rays:
- Plan A: Free
- Plan B: 20% of the negotiated rate with in-network dentists
Fillings:
- 20% of the in-network dentist’s fee
Please note that orthodontic coverage is not included in the AARP PPO plans.
With the AARP PPO plans, members can enjoy the flexibility of choosing their preferred dentist while still receiving substantial savings on their dental treatments.
| Procedure | Plan A | Plan B |
|---|---|---|
| Exams and X-rays | Free | 20% of the negotiated rate |
| Fillings | 20% of the in-network dentist’s fee | 20% of the in-network dentist’s fee |
Dental Savings Plans for Seniors
For seniors looking for affordable dental coverage, dental savings plans are an excellent alternative to traditional insurance. These plans offer significant discounts of 10-60% on dental care, making it more accessible and budget-friendly for seniors.
Dental savings plans eliminate the need for waiting periods or annual limits, allowing seniors to access the dental care they need when they need it. With these plans, there’s no need to worry about reaching the maximum coverage amount or meeting specific waiting periods for certain treatments.
One of the key advantages of dental savings plans is the network of participating dentists. Seniors can choose from a wide network of dental professionals nationwide, ensuring they can find a provider that meets their needs and preferences.
Let’s take a look at the average yearly costs of dental savings plans:
| Plan Type | Average Yearly Cost |
|---|---|
| Individual | $99 |
| Family | $199 |
As you can see, dental savings plans offer affordable options for both individuals and families, allowing seniors to protect their oral health without breaking the bank.
Whether you’re in need of routine check-ups, preventive care, or more extensive dental procedures, dental savings plans provide a cost-effective solution for seniors seeking quality dental coverage.
Dental savings plans are a great option to consider, along with AARP dental discounts, when exploring affordable dental coverage for seniors. They offer flexibility, affordability, and a wide network of dentists to ensure seniors can receive the dental care they deserve.
Don’t let the cost of dental care deter you from maintaining optimal oral health. Explore dental savings plans and find a solution that fits your needs and budget.
Conclusion
AARP dental coverage provides seniors with comprehensive dental insurance plans administered by Delta Dental Insurance Company. With options for both DHMO and PPO plans, AARP members can choose the coverage that best meets their individual needs and budget. It is essential to carefully review plan details, costs, and limitations to make an informed decision.
For those seeking an alternative option, dental savings plans can offer affordable dental care without the constraints of traditional insurance. These plans provide access to a network of participating dentists nationwide and can provide discounts ranging from 10-60% on dental procedures. With no waiting periods or annual limits, dental savings plans can be a cost-effective solution for seniors.
Whether choosing AARP dental insurance plans or dental savings plans, seniors can ensure their oral health needs are met. Regular dental care is essential for overall health and well-being, and having the right coverage in place can provide peace of mind. Explore the options available and make a choice that supports a healthy smile for years to come.
FAQ
What dental insurance plans does AARP offer?
AARP offers three dental insurance plans administered by Delta Dental Insurance Company. These plans are tailored for seniors and provide comprehensive coverage for common dental procedures.
What is the AARP DeltaCare USA Plan?
The AARP DeltaCare USA Plan is a DHMO plan that offers discounted dental services with no waiting period, annual deductible, or spending limit. Plan members must choose a dentist from the DeltaCare USA Contract Dentists network and obtain a referral for specialty care.
What are the AARP PPO plans?
AARP offers two PPO plans, Plan A and Plan B, which provide more flexibility and are widely accepted at dental practices nationwide. These plans offer savings for in-network dentists, but members can choose to go out-of-network without a referral.
How much do AARP dental insurance plans cost?
The cost of AARP dental insurance plans varies based on location and plan selection. For example, in Miami, Florida, monthly individual plan costs range from $32.72 to $72.10, depending on the plan chosen.
What does AARP dental insurance cover?
The coverage provided by AARP dental insurance plans varies depending on the plan type and location. In general, the plans offer comprehensive coverage for basic, preventive, and restorative dental care. However, there may be waiting periods for certain treatments.
What is the AARP DHMO plan?
The AARP DHMO plan offers affordable dental coverage with flat fees for services. For example, in the 10025 zip code in NYC, exams and x-rays are $0, cleanings are $5 (twice annually), and fillings range from $8 to $95. Orthodontic coverage is also available under the DHMO plan.
What is the AARP PPO plan?
The AARP PPO plans offer extensive coverage with savings on treatment costs. Members pay a percentage of the dentist’s network negotiated rate for various procedures, such as exams and x-rays (free with Plan A, 20% with Plan B) and fillings (20% of the in-network dentist’s fee).
What are dental savings plans?
Dental savings plans are an alternative to traditional dental insurance and can provide discounts of 10-60% on dental care. These plans have no waiting periods or annual limits and offer access to a network of participating dentists nationwide.
