Dental Insurance AARP: What You Need to Know

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As we age, taking care of our teeth becomes increasingly important. However, dental care can be expensive, and many senior citizens find it difficult to afford the dental services they need. That’s where dental insurance comes in. One option available to seniors is dental insurance through AARP, a nonprofit organization that advocates for people over the age of 50. This article will discuss everything you need to know about dental insurance through AARP.

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What is AARP?

AARP, also known as the American Association of Retired Persons, is a nonprofit organization that advocates for people over the age of 50. Founded in 1958, AARP aims to improve the quality of life for its members by providing a range of services, programs, and discounts.

One of the services AARP provides is dental insurance for its members. AARP dental insurance is designed to help seniors afford the dental care they need. In this article, we’ll explore the different types of AARP dental insurance, the benefits of having dental insurance, and how to sign up for AARP dental insurance.

Types of AARP Dental Insurance

AARP offers two types of dental insurance for its members: AARP Dental Insurance Plan A and AARP Dental Insurance Plan B. Plan A is a PPO plan, while Plan B is a network plan. Each plan has its advantages and disadvantages, so it’s important to understand the differences between the two.

AARP Dental Insurance Plan A

AARP Dental Insurance Plan A is a PPO plan that allows you to visit any dentist you choose. With this plan, you pay a percentage of the cost of your dental services, and the insurance company pays the rest. Plan A covers a wide range of dental services, including preventive care, restorative care, and major services such as root canals and crowns.

One advantage of Plan A is that you’re not limited to a network of dentists. You can choose any licensed dentist you like. Another advantage is that the plan covers a wide range of services, including major services that can be costly. However, one downside of Plan A is that it can be more expensive than other dental insurance plans.

AARP Dental Insurance Plan B

AARP Dental Insurance Plan B is a network plan that requires you to choose a dentist from a network of providers. With this plan, you pay a copayment for each dental service you receive. Plan B covers many of the same services as Plan A, but it may not cover some major services such as root canals and crowns.

One advantage of Plan B is that it’s generally less expensive than Plan A. Another advantage is that you don’t have to submit claims yourself. The dental office takes care of it for you. However, one downside of Plan B is that you have to choose a dentist from a network of providers. If your preferred dentist isn’t in the network, you’ll have to choose a different one.

Benefits of Having Dental Insurance

There are many benefits to having dental insurance, especially as you get older. Here are just a few of the benefits:

Preventive Care

Regular dental checkups and cleanings can help prevent many dental problems. With dental insurance, you can get the preventive care you need to keep your teeth and gums healthy.

Coverage for Major Services

As we age, we may need more extensive dental services such as root canals and crowns. Dental insurance can help cover the cost of these services, making them more affordable.

Predictable Costs

With dental insurance, you know exactly how much you’ll be paying for dental services. This can help you budget and plan for your dental care.

How to Sign Up for AARP Dental Insurance

If you’re interested in signing up for AARP dental insurance, you can visit the AARP website or call their toll-free number. AARP dental insurance is available to AARP members and their spouses/partners, as well as their dependents. Membership in AARP costs $16 per year, so keep that in mind when considering dental insurance through AARP.

FAQs

Question
Answer
What is AARP?
AARP is a nonprofit organization that advocates for people over the age of 50.
What types of dental insurance does AARP offer?
AARP offers two types of dental insurance: Plan A and Plan B.
What’s the difference between Plan A and Plan B?
Plan A is a PPO plan that allows you to visit any dentist you choose, while Plan B is a network plan that requires you to choose a dentist from a network of providers.
What are the benefits of having dental insurance?
Dental insurance can help you get the preventive care you need, cover the cost of major services, and provide predictable costs for dental care.
How do I sign up for AARP dental insurance?
You can visit the AARP website or call their toll-free number to sign up for dental insurance.

Overall, dental insurance through AARP can be a great option for seniors who need affordable dental care. Whether you choose Plan A or Plan B, having dental insurance can help you maintain good oral health as you age.

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