Comprehensive Guide to AARP Dental Plans for Seniors
Explore comprehensive dental insurance options offered by AARP for seniors. Learn about plan types, benefits like free preventive care, extensive provider networks, and coverage details including orthodontics and tooth extractions. Ensure your dental health in retirement with tailored plans that suit your needs and budget.
Understanding AARP Dental Insurance Options for Seniors
Retirement offers seniors a chance to enjoy a well-deserved break after decades of working. However, the absence of a steady income can make the initial adjustment challenging. The American Association of Retired Persons (AARP) is a prominent organization dedicated to providing benefits tailored for seniors, including dental coverage. Here's what you should know about AARP's dental insurance plans for older adults:
Available AARP Dental Insurance Types
AARP partners with Delta Dental Insurance Company to deliver its dental plans. The options include:
DeltaCare USA Plan
An affordable plan without waiting periods, offering a broad network of providers.
Members can select different dentists by contacting customer support. In case of dental emergencies after business hours, coverage limits are $100 of the total cost. Additionally, coverage applies only to residents of specific states.
PPO Plans for Seniors
AARP's PPO plans are accepted at many dental locations worldwide. The costs vary based on the plan chosen, with options classified as Plan A and Plan B. Plan A typically costs around $70 per month and offers free preventive care, including cleanings, exams, X-rays, and fillings.
Plan A covers 80% of basic dental expenses and 50% of major procedures. Preventive and basic treatments have no waiting period, but major care requires a one-year wait. Plan B is a more budget-friendly option at approximately $50.58 monthly, with similar coverage percentages and a $90 deductible. Both plans include a one-year wait for restorative services like crowns, bridges, implants, and periodontics.
Advantages of AARP Dental Plans
Complimentary Preventive and Basic Care
Regular preventive visits help prevent serious issues and cut costs over time. AARP's plans include free cleanings, exams, X-rays, and cavity fillings.
No Waiting Period for Many Services
Preventive and primary care are available immediately, with no delays or claim approval wait times.
Extensive Dental Service Coverage
Treatment coverage ranges from basic cleanings to complex procedures like crowns and bridges, with a minimum of 50% cost coverage helping reduce out-of-pocket expenses.
Large Network of Providers
AARP offers access to a broad network of reputable dental providers. Members can switch dentists if needed or preferred.
Coverage for Tooth Extractions
Tooth extraction procedures are covered up to 50%, which is especially beneficial for senior patients.
Important Tips for AARP Dental Insurance
Membership Requirement
At least one family member must be an active AARP member to qualify for family dental plans. These cover spouses, domestic partners, and children under 26, including adopted, foster, or stepchildren.
Review Plan Details Carefully
Read the coverage certificates, brochures, and limitations thoroughly to understand plan specifics before enrollment.
Orthodontic Coverage with DeltaCare
The DeltaCare USA plan includes orthodontic treatments, costing around $2,100 per adult, which requires a flat fee payment.
Supplemental to Medicare
Many dental services are not covered by Medicare. Except for some reimbursements, AARP plans can offer additional discounts and benefits beyond Medicare coverage.
Reimbursement Timeline
Some treatments, like veneers and teeth whitening, are reimbursed after six months of continuous coverage.
Visit the Website for Details
Inspect the AARP Delta Dental site for comprehensive plan information and to make informed claims.
Note: The content reflects research, available data, and expert opinions. Since policies may vary and change, consulting a financial or insurance professional is advised prior to making coverage decisions. We are not responsible for updates or inaccuracies.
