Aarp Dental Plan For Seniors

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Aarp Dental Application Process

AARP® Dental Insurance Plan PPO Plan

For AARP members looking to get a quote for dental insurance, the process is fairly straightforward. You start the process from the AARP website by clicking on the prominent Get a quote box. You can also choose your state to see which plan options are available in your local area. If you prefer, you can also enroll by mail or by telephone by calling Delta Dental toll-free at 735-2929.

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The American Association of Retired Persons has three members-only dental plan options, each aimed at people with different needs and budgets. The Delta Dental Insurance Company administers these plans and designs them to cater to the typical dental care needs of those aged 50 or over. In addition to covering the AARP member, these dental insurance plans also provide coverage for the members eligible dependents.

How Are Dental Savings Plans Different From Insurance

No waiting: You can use your Dental Savings Plan to reduce the cost of restorative care within 72 hours of purchasing the plan. If you have existing dental health issues, this is a real perk. Who wants to wait months to get a painful tooth fixed?

No worries: Dental Savings Plans have no annual spending limits. You can use your plan as often as needed to save on dental care. Why pay more than you have to for dental care?

No fuss: there is no paperwork to file, no pre-authorizations, no background checks or deductibles. You just pay the plan members discounted rate to any of the 140,000+ participating dentists and dental specialists nationwide. Its so easy to save at the dentist when you have a Dental Savings Plan!

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Other Options For Dental Coverage Or Discounts

First, look to your company or spouses employer if either of you is still working. Half the people 65 or older who had dental coverage were employees, spouses of employees or retirees, according to the National Poll on Healthy Aging. In some cases, employers may offer retirees access to a dental benefits plan or provide a referral to a company that offers benefits, says Richards of Delta Dental.

Second, you may be able to get dental coverage or a dental discount program through a Medigap policy. In 2020, about 1 in 8 Medicare beneficiaries were enrolled in Medigap plans with additional dental, vision or hearing benefits, according to the Commonwealth Fund, a century-old foundation that focuses on better health care. Some dental programs offer 30 percent to 40 percent discounts for services such as cleanings, crowns, exams and fillings using eligible dentists and have no copays, coverage limits or waiting periods.


Dental Challenges As We Age

Dental Insurance For Seniors Aarp

People of all ages can get cavities, but seniors have some special dental challenges, including:1

  • Higher risk of developing decay around older teeth.
  • Greater risk of decay of the tooth root itself, if the gum tissue has receded.
  • More and faster plaque build up.
  • Daily dental hygiene habits can be tricky if you have mobility, dexterity, or vision challenges.
  • Dental care can be harder to access if you have medical or behavioral conditions that get in your way.

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Aarp Dental Insurance Review: Overview

As mentioned above, AARP Dental Insurance is for people aged 50 and over, so it’s ideally placed for covering treatment related to normal wear and tear and aging. The minimum enrollment period is for 12 months, but you can opt out within the first 30 days of enrolling if you change your mind about the plan.

PPO plans and a dental HMO plan are offered, with coverage available in most States. AARP members are guaranteed acceptance into the dental plans on offer, with coverage for a wide range of dental procedures.

Option : Standalone Dental Plan For Seniors

Some health insurers offer dental coverage for seniors as standalone dental plans. These add-on plans are a great choice for dental coverage if you only have Original Medicare or if you have a Medicare Supplement plan.

When selecting a plan, compare coverage details and plan specifics because there is a broad range of policies on access and restrictions. Each plan will specify how much it covers for preventative dental care, basic services or major services. Most plans have a network of providers, and checking this list can make sure you have access to your preferred dentist.

The best dental insurance plans for seniors are from DentaQuest, Aetna and Humana.

DentaQuest: best customer satisfaction

Remember to compare plans based on the waiting period, and some policies may not cover major services until you’ve had the policy for several months. Humana is a great option if you need dental care immediately because most plans have no waiting period for major services like root canals, crowns and dentures.

Many providers may also offer an alternative to dental insurance called a dental discount program. These dental network programs aren’t the best fit for everyone, but we recommend them as one of the five ways to get a cheap dental cleaning without insurance.

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Help With Amplified Telephones

Many states have telecommunication distribution programs for people with hearing loss who require special equipment to use the telephone. These programs loan or provide Text Telephones , amplified telephones and other equipment free of charge to residents with hearing loss or other disabilities that require it. A listing of programs by state can be found at using the State Directory link. Contact your state program for more information about what equipment is provided, who is eligible for it and how to obtain it.

Physician Mutual Dental Insurance Plans

AARP® Dental Insurance Plan

Physicians Mutual is another top rated dental insurance provider for people of all ages including seniors. Physicians Mutual knows that peoples dental needs, budgets and requirements vary so they have 3 different dental plans that tailor benefits to customers specific needs. All plans cover over 350 different dental procedures, and are available to without regards to a persons age or dental history. Another attractive feature of all Physician Mutual dental plans is that all preventive procedures are covered on Day 1 of coverage.

Physicians Mutual Dental Plan have 3 different benefit options to choose from. These options include Economy, Standard or Preferred. While all these plans cover the same procedure plan premium and benefits pay-out vary. The Standard Option pays out about 30% more in benefits than Economy Option, and the Prefer Option has the highest premium costs, and benefits payouts.

Here is an example of the benefit payout a routine dental examine based on {Physician Mutual Dental Plan option


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Do You Need Dental Insurance As A Senior

Dental disease doesnt only affect your teeth. Tooth loss and dentures can affect your nutrition intake, limiting the types of foods youre comfortable eating. Gum disease can also increase your risk of stroke, heart attack and diabetes, and it is also linked with dementia. Plus, dentists play an important role in the early detection of oral cancer. Proper dental care plays a huge role in your overall health, and your dental needs will only increase with age.

Cigna Dental Insurance For Seniors

Are you newly retired? If you dont have dental coverage as part of your Medicare or retirement benefits, youve probably asked yourself, Do I really need dental insurance?

The truth is, you need just as much preventative dental care now as you did when you were younger. In fact, maybe more so. Why? Because as you age, your mouth tends to become dry, your older restorations wear out, and your gums recede. All of these variables can significantly raise your risk for tooth decay and loss.

How do you find the right type of dental insurance for your needs, especially as a senior?

Focus on Preventative Care

Most dental problems are preventable. If youve always been one to see the dentist regularly, youre off on the right start. Pick a dental insurance plan that includes routine prophylactic services like:

  • Dental cleanings every six months
  • Diagnostic dental X-rays

How Often Seniors Need to See a Dentist

What if You Need Dental Work?

One of the biggest misconceptions by seniors is that if their teeth give them problems, they should just have them all extracted, and a pair of dentures made. While denturesare a viable solution for chronic dental health problems, they shouldnt be the go-to treatment for a few troublesome teeth.

What if I Need or Already Wear Dentures?

Affordable Alternatives to Traditional Insurance

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The Benefits Of Choosing Aarp Dental Plans

When reviewing the AARP dental plans you are certain to notice the benefits of doing so right away. First, since the Delta Dental PPO is affiliated with a reputable organization such as the AARP, you can rest assured that you are getting top notch dental service. Also, due to the organization affiliation you can also be guaranteed better rates in the way of annual premiums as the purpose of such a partnership is to offer the AARP members the best deals out there. Another benefit associated with the AARP dental plan is that there are plenty of dental providers to choose from within the network which opens up the possibilities for finding a desired dentist no matter where you live. Lastly, with AARP dental plans you have the added safeguard of being able to notify AARP should you have any complaints regarding the dental plan. AARP puts their good name on the line with their dental plan affiliation and will ultimately want to keep it that way should you have any feedback to give to them.

Best For Preventive Care: Cigna

Best Cheap Dental Insurance / Dental Insurance


We selected Cigna as the best for preventive care because they are not only affordable, but they have $0 deductible and $0 copay preventive dental plans and make life easy with 24/7 customer service and zero-paperwork claims.

  • In-network preventive care paid at 100%

  • No waiting period for preventive/diagnostic care

  • Online claims handling and an app to manage claims

  • 24/7 service and access to a health information line

  • Basic plan only covers preventive services

  • $1,000/$1,500 maximum annual benefit

Cigna has been in business for more than 225 years and currently serves over 17 million U.S. dental insurance customers individually and through employee benefit programs. AM Best gives Cigna an A rating for financial strength. Cigna was our number-one choice for best for preventive care for seniors based on several factors, which include:

  • No deductible and no copay for preventive care that includes cleanings and routine x-rays
  • A nationwide network of over 92,700+ dentists
  • No need to file claims in-networkyour dentist does it for you
  • Their Brighter Score tool rates dentists based on affordability and patient experience
  • 24/7/365 customer support and more

There is a six-month waiting period for basic coverages and 12 months for major work. If you have 12 months of prior continuous insurance with another provider, you can make the switch to Cigna, and the waiting periods may be waived.

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Will Dental Care Ever Be Covered By Medicare

Adding dental coverage to Medicare Part B is on the legislative agenda for 2022. This type of initiative has previously failed, but there is currently more support for it than ever before. There are no details yet about the proposed plan benefits or costs.

Editorial Note: The content of this article is based on the authorâs opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

What Will You Get With An Aarp Dental Plan

The AARP has joined forces with Delta Dental to offer a high quality dental insurance option for individuals who are 50 years and older. The Delta Dental PPO allows you to choose from over 104,000 dentists nationwide which provides quite a bit of options for you, the insured. The dentists whom you choose from have agreed to accept lower payments from Delta Dental PPO insured individuals than what they usually charge. You will therefore have low out of pocket expenses and will pay only your portion of the deductible owed. There are two plans which you can choose from, Plan A and Plan B. Plan A is a more inclusive plan with a higher coverage rate and therefore higher premium whereas Plan B has a bit lesser coverage yet lower annual premium. With this dental plan there are also no claims forms for you to fill out and the paperwork is minimal for the insured as the dentist will do most of the paperwork. Although the premium amount for your annual AARP dental plan will vary depending on where you are located, which plan you choose and how many people are on the policy, the cost is reasonable overall.

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S To Get Aarp Dental Insurance Plan

To get the AARP Dental insurance plan the applicant should follow these simple steps carefully:

  • Visit the AARP website and find the Member Discount and Services section. Click the button and the look for the insurance option on the next page. You can find the AARP Dental Insurance link at the center. Click the link to get brief introduction to the program. You can also search the dentist and coverage availability in the page. If you are still confused and need direct assistance you can call the number 583-2092.
  • Find out more about dental-related information, coverage, claim processing, policy details and enrollment by navigating through the left side menu. You can also find frequently asked questions section and Contact Us for complete contact information.
  • Find how much the plan will cost you by clicking the enrollment menu and activating the rate finder. To use it, simply enter your zip code and state then click on the find rate button to read the eligibility requirement.
  • The next step is to download and print the AARP Dental Insurance enrollment form. To do that you must already have Adobe Acrobat software installed on your PC or laptop. To get direct assistance in filling out the form you can contact 261-4275 or you can also finish all the registration by phone instead of online by calling 583-2085.
  • Complete the entire application, sign and send it to the address written on the form.

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National General Dental And Vision Insurance For Seniors

AARP® Dental Insurance Plan DeltaCare® USA Plan

There are three different National General dental and vision policy options so that you can find the right ancillary coverage for your healthcare needs. Any policy will cover preventive, basic, and major services from day one. The annual maximum and select benefits will increase in year two.

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The National General dental, vision, and hearing PPO plan has three benefit levels for dental benefits. All three levels pay for dental procedures, including routine exams and cleanings. The Level 2 and Level 3 plans cover major services at 25% in the first year and 50% in the second year.

The Level 2 and Level 3 plans also cover dentures at 25% in the first year and 50% in the second year. Implants are only covered on the Level 3 plan with 25% coverage in the first year and 50% coverage in the second year.

Level 1 has an annual maximum of $750 the first year and $1,500 the second year. Meanwhile, Level 2 has a maximum of $1,000 in the first year and $2,000 in the second year. Finally, Level 3 has an annual maximum of $1,500 in the first year and $3,000 in the second year.

Further, National General offers two plans for vision coverage, the L1 Plan and the L2 Plan.

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Dental Discounts Better Than Aarp

AARPs Prepaid plan offers excellent savings on dental, making it a good choice if you are comfortable with the restrictions and happy with the dentists who accept the plan near you.

Its difficult to beat the savings offered by AARPs DPPO plans, the coverage is extensive and the savings are significant. The only areas that might cause concern is the extended waiting period for restorative care, the annual limit and the relatively high cost of the plans.

If you dont want to or cant wait for dental care, you can opt instead to join a dental savings plan. These plans are an alternative to traditional dental insurance. You get discounts of 10%-60% on your dental care . You could use your dental savings plan to reduce the cost of restorative care within 72 hours of purchasing the plan. You pay the discounted rate directly to any of the 100,000+ participating dentists nationwide.

And there are no annual limits with a dental discount plan. The average yearly cost of a dental savings plan is $99 for an individual and $199 for a family. Yes, thats the annual cost not the monthly cost!

Find out more about the advantages of dental discount plans for seniors!

Aarp Insurance Plans And Coverage

AARP dental plans are provided exclusively by Delta Dental, an insurance company that covers more than 80 million people in the U.S. Delta Dentals plans feature three cleanings and exams, implants and more with many services available on day one, according to Tom Sarris, director of communications for Delta Dental of California.

There are three types of dental plans offered to AARP members through Delta Dental. Two are Preferred Provider Organization plans, meaning dentists agree to accept a lower payment for services when treating a PPO patient. The third plan is DeltaCare U.S.A., a Dental Health Maintenance Organization , The DHMO focuses on oral health with routine cleanings and exam with little to no out of pocket costs to the customer. Both PPO plans provided by AARP allow customers to use the dentist of their choice, while the HMO plan uses a network of dental care providers. If you are an AARP member, your acceptance into one of their dental plans is guaranteed. All plans have no waiting period for diagnostic and prevention services. For more involved procedures, such as crowns or dentures, there is a 12-month waiting period.

PPO Plan A:

A complete list of all member benefits is available on the AARP website.

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