The Ultimate Guide to AARP Dental Insurance: Coverage, Benefits, and How to Enroll
As we age, dental care becomes increasingly important—yet many seniors struggle to afford it. Traditional Medicare does not cover most dental procedures, leaving older adults to seek alternative solutions. This is where AARP Dental Insurance comes in.
Offered in partnership with Delta Dental, AARP dental plans provide affordable coverage tailored to seniors’ needs. Whether you need routine cleanings, fillings, or more complex procedures like dentures or implants, AARP dental insurance can help reduce out-of-pocket expenses.
In this comprehensive guide, we’ll explore everything you need to know about AARP Dental Insurance—its benefits, costs, coverage options, and how it compares to other providers. By the end, you’ll have all the information necessary to decide if this plan is right for you.
What Is AARP Dental Insurance?
AARP (American Association of Retired Persons) partners with Delta Dental, one of the largest dental insurance providers in the U.S., to offer exclusive dental plans for members aged 50 and older. These plans are designed to address common dental concerns among seniors, such as gum disease, tooth decay, and tooth loss.
Who Is Eligible?
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AARP members (must be 50+ years old)
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Spouses (regardless of age)
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Some plans may extend to dependents
Since AARP dental insurance is provided through Delta Dental, policyholders gain access to a vast network of dentists nationwide.
Types of AARP Dental Insurance Plans
AARP offers two main types of dental insurance plans:
1. PPO (Preferred Provider Organization) Plans
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Flexibility: Visit any dentist, but lower costs with in-network providers.
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No waiting periods for preventive care.
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Annual maximum benefits (typically 1,000–1,500).
2. Indemnity (Fee-for-Service) Plans
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More freedom to choose any licensed dentist.
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Higher out-of-pocket costs but greater coverage flexibility.
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Reimbursement-based (you pay upfront, then submit claims).
Comparison Table: AARP Dental Plan Options
| Feature | PPO Plan | Indemnity Plan |
|---|---|---|
| Network Dentists | Yes (lower costs in-network) | Any dentist |
| Waiting Periods | None for preventive care | Varies by procedure |
| Annual Maximum | 1,000–1,500 | Higher limits available |
| Cost Structure | Copays & deductibles | Reimbursement-based |
Key Benefits of AARP Dental Insurance
✅ Preventive Care Coverage – Most plans cover 100% of cleanings, exams, and X-rays.
✅ No Age Restrictions – Unlike some insurers, AARP does not cut off coverage due to age.
✅ Nationwide Dentist Access – Delta Dental’s network includes over 150,000 dentists.
✅ Discounts on Major Procedures – Root canals, crowns, and dentures are covered at 50% or more.
✅ No Deductible for Preventive Care – You pay $0 for routine check-ups.
Coverage Details: What’s Included?
AARP dental insurance typically covers:
✔ Preventive Services (100% coverage)
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Cleanings
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Exams
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X-rays
✔ Basic Procedures (70–80% coverage)
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Fillings
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Extractions
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Root canals
✔ Major Procedures (50% coverage)
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Crowns
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Bridges
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Dentures
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Implants
✔ Orthodontia (Optional)
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Some plans offer partial coverage for braces (usually for dependents).
Costs and Premiums: How Much Does AARP Dental Insurance Cost?
Monthly premiums vary based on:
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Plan type (PPO vs. indemnity)
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Location (state-specific pricing)
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Coverage level
Sample Monthly Premiums
| Plan Type | Individual Cost | Couple Cost |
|---|---|---|
| Basic PPO | 25–40 | 50–80 |
| Enhanced PPO | 40–60 | 80–120 |
| Indemnity Plan | 50–70 | 100–140 |
Note: Deductibles usually range from 50–100 per year.
How to Enroll in AARP Dental Insurance
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Become an AARP Member ($16/year).
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Compare Plans on the AARP website or call (800) 682-1200.
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Choose a Dentist from Delta Dental’s network.
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Submit Your Application (online or via phone).
Tip: Open enrollment is year-round, but some plans impose waiting periods for major procedures.
Comparing AARP Dental Insurance with Other Providers
| Provider | Annual Max | Preventive Coverage | Major Procedure Coverage |
|---|---|---|---|
| AARP (Delta Dental) | 1,000–1,500 | 100% | 50% |
| Cigna Dental | 1,000–2,000 | 100% | 50% |
| Humana Dental | 1,000–1,500 | 100% | 40–50% |
| Guardian Dental | 1,000–2,500 | 100% | 50–80% |
AARP stands out for its senior-focused benefits and strong network.
Pros and Cons of AARP Dental Insurance
Pros
✔ Affordable premiums
✔ No age cutoffs
✔ Strong Delta Dental network
✔ No deductible for preventive care
Cons
❌ Annual maximums may be low for extensive work
❌ Waiting periods for major procedures
❌ Limited orthodontic coverage
Frequently Asked Questions (FAQs)
1. Does Medicare cover dental procedures?
No, Original Medicare does not cover most dental services. AARP dental insurance fills this gap.
2. Can I keep my current dentist with AARP?
Yes, if your dentist is in Delta Dental’s network.
3. Are there waiting periods?
Preventive care is covered immediately, but major procedures may have a 6–12 month waiting period.
4. Is AARP dental insurance worth it?
Yes, if you need regular dental care and want to avoid high out-of-pocket costs.
Conclusion
AARP Dental Insurance provides affordable, senior-friendly coverage through Delta Dental’s extensive network. With no age limits, strong preventive care benefits, and flexible plans, it’s a smart choice for older adults. While annual maximums may be limiting, the overall value makes it a top contender for seniors seeking reliable dental insurance.
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