This article provides a detailed overview of AARP dental insurance plans tailored for seniors. It covers available plan types, benefits, coverage details, and tips for selecting the right plan. Whether you need preventive care or major dental procedures, AARP offers affordable options with extensive provider networks. Learn how to maximize your dental benefits, understand plan prerequisites, and explore additional coverage details for comprehensive dental health during retirement.

Guide to AARP Dental Insurance Options for Seniors

Retirement provides seniors with a well-earned break after years of employment. Adjusting without a steady income can be challenging initially. The American Association of Retired Persons (AARP) offers various benefits tailored for older adults, including dental coverage. Here's what you need to know about AARP’s dental insurance options for seniors:

Types of AARP Dental Plans

AARP collaborates with Delta Dental to offer its dental plans. These include:

DeltaCare USA Plan

This cost-effective plan has no waiting periods and provides access to a wide network of dental providers.

Members can select their preferred local dentist by contacting support. Emergency dental care outside business hours is covered up to $100. Coverage is available only in certain states.

PPO Plans for Seniors

AARP’s PPO plans are accepted at numerous dental clinics worldwide. Premiums vary depending on the plan, with options like Plan A and Plan B. Plan A costs about $70 per month and includes free preventive services such as cleanings, exams, X-rays, and fillings.

Plan A covers 80% of basic dental work and 50% of major procedures. No waiting period applies to preventive and basic treatments, but major treatments require a one-year wait. Plan B, costing around $50.58 per month, has similar coverage with a $90 deductible. Both plans have a one-year waiting period for services like crowns, bridges, implants, and periodontal procedures.

Benefits of AARP Dental Plans

Free Preventive and Basic Treatments
Regular checkups and cleanings can prevent serious issues and save money. AARP plans include free cleanings, exams, X-rays, and fillings.

No Delay for Many Services
Preventive and basic services are available instantly without waiting periods or claim approvals.

Comprehensive Dental Coverage
From simple cleanings to complex procedures like crowns and implants, with at least 50% coverage to help lower costs.

Wide Network of Providers
Members can access a large network of trusted dental providers or switch providers as needed.

Coverage for Tooth Extraction
The plans cover up to 50% of extraction costs, beneficial for senior patients.

Important Tips for Choosing AARP Dental Insurance

Membership Prerequisite
At least one family member must hold an active AARP membership to qualify for family plans, which include spouses, domestic partners, and children under 26, including adopted, foster, or stepchildren.

Carefully Review Plan Details
Read through coverage documents and limitations to understand plan specifics before enrolling.

Orthodontic Coverage in DeltaCare
Orthodontic treatments are included in the DeltaCare USA plan, costing around $2,100 for adults, payable as a flat fee.

Additional Benefits Beyond Medicare
Since Medicare does not cover most dental services, AARP plans can provide extra discounts and benefits.

Reimbursement Timeframes
Procedures such as veneers and whitening are reimbursed after six months of continuous coverage.

Visit the Official Website
Check the AARP Dental site for detailed plan options and claim procedures.

Note: This article is based on current research and available data. Policies may change, so consulting an insurance professional before making coverage decisions is recommended. We are not responsible for updates or inaccuracies.