AARP Dental Insurance Review
Regarding dental insurance for seniors, AARP offers exclusive access to three dental plans through Delta Dental Insurance Company. These plans are tailored to individuals aged 50 and above but extend coverage to eligible dependents. With comprehensive coverage, slightly higher-than-average costs, and specific features for each plan, understanding the ins and outs of AARP Dental Insurance is crucial for making an informed decision.
Overview of AARP Dental Insurance Plans
AARP offers two Preferred Provider Organization (PPO) plans and one Dental Health Maintenance Organization (DHMO) plan called DeltaCare USA. The PPO plans, known as Plan A and Plan B, provide extensive coverage with flexibility in choosing dental care providers. At the same time, DeltaCare USA offers a more affordable, though less flexible, option.
- Plan A is the more comprehensive and expensive, with a $40 annual deductible and a $1,500 annual limit. Preventive care is covered 100%, and significant care, such as crowns and implants, is covered 50% after a 12-month waiting period.
- Plan B: A more affordable alternative, Plan B has a $90 annual deductible and a $1,000 annual limit. While preventive and primary care is still covered at a high percentage, it does not cover teeth bleaching, and the same 12-month waiting period applies for significant care.
- DeltaCare USA: A DHMO plan generally costs about half the cost of a PPO plan. DeltaCare USA requires members to choose a dentist from a limited network and offers no out-of-network coverage. However, it has no waiting periods, annual deductible, or annual spending limit.
Cost Breakdown
The costs for these plans vary depending on your location and family size. For instance, in Miami, FL, individual plans range from $32.72 per month for DeltaCare USA to $72.10 per month for Plan A. Family plans can go as high as $216.67 per month for Plan A.
Coverage Details
The AARP dental plans cover comprehensive preventive, primary, and restorative dental services. Preventive services are covered immediately with no waiting period, especially for PPO plans. However, a 12-month waiting period for primary restorative services, such as dental implants and dentures, may be a downside for those needing immediate care.
One notable benefit of Plan A is the coverage for teeth bleaching after a six-month waiting period, which is not available in Plan B. On the other hand, DeltaCare USA includes coverage for orthodontics, making it a viable option for those who require braces.
Advantages and Disadvantages
Pros:
- Comprehensive Coverage: AARP dental plans, particularly Plan A, offer extensive coverage for various dental services.
- No Waiting Period for Preventive Care: Immediate coverage for routine dental services helps members maintain oral health without delay.
- Special Discounts: Members enjoy discounts on various services, including financial planning and shopping, enhancing the value of the membership.
Cons:
- Cost: The plans are relatively expensive, especially Plan A, which might be a drawback for budget-conscious seniors.
- Waiting Period for Major Care: A 12-month wait for primary dental services can significantly disadvantage those needing immediate restorative work.
- Limited Flexibility with DeltaCare USA: Some members may find it inconvenient to choose a dentist from a restricted network and obtain specialist referrals.
Is AARP Dental Insurance Worth It?
AARP dental insurance plans, provided by Delta Dental, are a solid choice for AARP members seeking comprehensive dental coverage, especially those who require more than just routine care. The higher costs reflect the extensive coverage, making these plans suitable for seniors with specific dental needs. However, the waiting period for primary services and the high premiums may deter some potential members.
Exploring alternatives like dental savings plans might be worthwhile for those prioritizing flexibility and immediate access to restorative care. These plans offer discounts on a wide range of dental services with no waiting periods or annual limits, providing better value depending on one’s dental care needs.
In conclusion, AARP dental insurance plans are well-suited for members who value comprehensive coverage and are willing to pay a premium. However, it’s essential to carefully review plan details and consider your individual dental needs before deciding.
Sources:
https://www.dentalplans.com/blog/aarp-dental-insurance-senior-options
https://www1.deltadentalins.com/aarp/dental-plans.html
https://www.forbes.com/advisor/aarp-dental-insurance-review/