AARP dental plans cost more than your average dental insurance plan. There are certainly many cheaper options out there for older folks looking to preserve the health of their teeth. On the other hand, AARP plans to provide better coverage than a lot of other dental plans.
Members of the American Association of Retired Persons (AARP) have access to three dental insurance plans. These over-50 plans, which Delta Dental Insurance administers, are ideal for those with dental care needs extending beyond routine cleanings and check-ups.
Keep reading to learn about the basics/costs of AARP dental plans…
AARP Dental Insurance
The three AARP dental plans offered through Delta Dental are DPPO Plan A, DPPO Plan B, and DeltaCare USA. The right plan for you depends on your budget and dental needs/expectations.
Plan A and Plan B are Dental Preferred Provider Organization insurance (DPPO) plans. DeltaCare USA is a “Prepaid Plan” similar to your average Dental Health Maintenance Organization plan.
DPPO Plan A
As of 2019, PPO Plan A is Delta Dental’s most comprehensive AARP dental insurance plan. It offers the highest dental coverage for services at a moderate but higher rate than DPPO Plan B.
Members of Plan A save money when visiting in-network dentists. However, you can choose to visit out-of-network dental practitioners, with no referrals required to see dental specialists.
More Info on Plan A
DPPO Plan A covers basic, preventive, and restorative dental care. There is a deductible of $40 and an annual maximum limit of $1,500. The price of the plan generally varies from person to person.
Your deductible is what you pay every year before coverage begins. The annual limit is the total amount of dental costs that a member is covered for. You pay out of pocket once you reach the limit.
DPPO Plan B
The covered benefits and waiting periods on DPPO Plan B are the same as on DPPO Plan A. The AARP dental plans cost lower than the annual limit, while the deductible is higher.
Like Plan A members, AARP members on PPO Plan B can see out-of-network dental practitioners, but you will save more when visiting in-network dentists. No referrals are needed to see specialists.
More Info on Plan B
Basic, preventive, and restorative dental care is covered by DPPO Plan B. The deductible is $90, and the annual limit is $1,000. While the plan has a base cost, monthly member rates vary.
DPPO Plan B is ideal for people who want to pay a lower monthly rate than on DPPO Plan A and are okay with slightly lower coverage for some dental services. The plans are very similar, ultimately.
On the DeltaCare USA Prepaid Plan, you pay a lot less each month than on a PPO plan, and there is no waiting period, annual deductible, or annual spending limit. That being said, the dental plan is less flexible.
For example, members on the Prepaid Plan must see allocated dentists from the DeltaCare USA Contract Dentists network. Changing dentists is a hassle; seeing a specialist requires a referral and approval.
More Info on DeltaCare USA
DeltaCare USA is a copayment AARP dental plan. With copayment plans for dental, you pay a fixed fee when visiting an assigned dentist. This makes it easy to budget out-of-pocket expenses.
Overall, DeltaCare USA is a good dental plan with predictable costs that offer immediate coverage for many (250+) dental procedures at an affordable rate. Definitely worth considering if you’re a senior.
AARP Dental Plans Cost
The cost of your AARP dental plan will vary, as mentioned, depending on the plan that you choose and the state that you live in. The cost differences don’t tend to be very significant, however.
For example, if you’re an AARP member residing in Florida, you may pay $72.00 monthly for DPPO Plan A and $48.50 for DPPO Plan B. DeltaCare USA may cost you $32.50 per month.
AARP Dental Plan Requirements
To qualify for any AARP dental insurance plan, even DeltaCare USA, at least one enrolled family member must be an active member of the American Association of Retired Persons.
Plan coverage is available to individuals, individuals with a single eligible dependent, and families. Your dependent can be a spouse, a domestic partner, or an unmarried son or daughter under age 26.
What an AARP Dental Plan Covers and When
Coverage depends on the plan and where you reside. On PPO plans, you get basic and preventive cover as soon as you pay your deductible, but there’s a 12-month wait period for restorative dental care.
With the DeltaCare USA plan, basic, preventive, and restorative care (inlays/onlays, crowns, bridges, dentures, dental implants, and more) is covered from the time you enroll.