AARP Dental Insurance Plans: Everything You Need to Know

Oral health is a crucial aspect of overall health and well-being. However, dental expenses can be a significant burden for many individuals and families. Fortunately, AARP offers dental insurance plans specifically designed for people over 50. In this article, we will explore the benefits of AARP dental insurance plans, the different coverage options available, and how to enroll.

What is AARP Dental Insurance?

AARP dental insurance is a type of dental coverage that is exclusively available to AARP members. AARP partners with Delta Dental to provide a range of dental insurance plans that help cover the costs of preventive, basic, and major dental services. These plans are specifically designed to meet the needs of people over 50, offering affordable rates and extensive coverage.

With AARP dental insurance, you gain access to a network of dentists and specialists across the country. This means you have access to quality dental care no matter where you are. Additionally, AARP dental plans typically include benefits such as routine cleanings, X-rays, fillings, and major procedures like root canals and crowns.

Benefits of AARP Dental Insurance

There are several reasons why AARP dental insurance plans are worth considering. Here are some of the benefits:

1. Extensive Coverage: AARP dental insurance plans cover a wide range of dental services, which means you can get the care you need without worrying about expensive out-of-pocket costs.
2. Affordability: AARP dental insurance plans are designed to be affordable for people over 50. You can choose from different coverage options that fit your budget.
3. Nationwide Network: AARP dental insurance plans give you access to a network of qualified dentists and specialists across the country.
4. Easy Enrollment: Enrolling in AARP dental insurance is quick and easy. You can do it online or over the phone in just a few minutes.
5. Peace of Mind: With AARP dental insurance, you can enjoy peace of mind knowing that you have coverage for preventive, basic, and major dental services.

Types of AARP Dental Insurance Plans

AARP dental insurance plans come in different coverage options to fit your needs and budget. Here are the three primary types of plans:

AARP Dental Insurance Plan A

AARP Dental Insurance Plan A is the most basic plan and covers preventive care such as cleanings, X-rays, and exams. It also covers some basic services like fillings, extractions, and root canals.

Plan A has an annual maximum benefit of $1,000, which means that the plan will pay up to $1,000 per year for covered services. This plan is ideal for those who need basic dental care and want to keep their costs low.

AARP Dental Insurance Plan B

AARP Dental Insurance Plan B provides coverage for preventive care, basic services, and some major procedures like bridges, dentures, and crowns. This plan has an annual maximum benefit of $1,500, which means that the plan will pay up to $1,500 per year for covered services.

Plan B is a good option for those who need more extensive dental care but still want to keep their costs manageable.

AARP Dental Insurance Plan C

AARP Dental Insurance Plan C is the most comprehensive plan and covers preventive care, basic services, major procedures, and orthodontics. This plan has an annual maximum benefit of $2,000, which means that the plan will pay up to $2,000 per year for covered services.

Plan C is a good option for those who need extensive dental care, including orthodontic treatment, and are willing to pay higher premiums for comprehensive coverage.

AARP Dental Insurance Rates

The rates for AARP dental insurance plans vary based on several factors, including your age, location, and the plan you choose. However, AARP dental insurance plans are generally affordable and provide good value for the coverage they offer.

Here is an overview of the average monthly AARP dental insurance rates:

Plan Type	Average Monthly Premium
Plan A	$33.65
Plan B	$45.00
Plan C	$59.25

Note that these rates are only estimates and may vary based on your specific circumstances. To get an accurate quote for AARP dental insurance, you need to visit their website and provide your personal information.

How to Enroll in AARP Dental Insurance

Enrolling in AARP dental insurance is quick and easy. Here are the steps:

1. Visit the AARP dental insurance website and choose the plan that best fits your needs and budget.
2. Fill out the online application form or call the AARP dental insurance customer service team to enroll over the phone.
3. Provide your personal information, including your name, address, and payment details.
4. Review and sign the policy agreement.
5. Pay your first premium.

Once your application is approved, you will receive your dental insurance card and can begin using your coverage right away.

AARP Dental Insurance: Frequently Asked Questions

1. Who is eligible for AARP dental insurance?

AARP dental insurance is exclusively available to AARP members who are 50 years old or older.

2. What dental services are covered by AARP dental insurance?

AARP dental insurance plans cover a range of dental services, including preventive care, basic services, major procedures, and orthodontics.

3. What is the annual maximum benefit for AARP dental insurance plans?

The annual maximum benefit for AARP dental insurance plans varies by plan type, ranging from $1,000 to $2,000 per year.

4. Can I choose my own dentist with AARP dental insurance?

Yes, you can choose any dentist or specialist within the AARP dental insurance network. If you choose to see an out-of-network provider, you may have higher out-of-pocket costs.

5. How do I enroll in AARP dental insurance?

You can enroll in AARP dental insurance by visiting their website or calling their customer service team.

The Bottom Line

AARP dental insurance plans offer comprehensive coverage for people over 50 at affordable rates. With AARP dental insurance, you can gain access to quality dental care at a network of qualified dentists and specialists across the country. Enrolling in AARP dental insurance is easy and can give you peace of mind knowing that you have coverage for preventive, basic, and major dental services.