AARP Dental Insurance Review: Below-Average In 2023
Posted in Dental Insurance last updated on February 10, 2023
AARP Dental Insurance Review
Summary
AARP offers dental insurance through Delta Dental, however, their prices are not good and their customer service reviews are awful. You can find better comprehensive benefits elsewhere.
| Pros | Cons |
|---|---|
| ✅ Extensive network | ❌ No vision or hearing coverage |
| ❌ Have to pay AARP member dues | |
| ❌ Above average raes | |
| ❌ Poor customer reviews |
AARP is one of the most well-known organizations in the country for seniors.
However, their insurance plans leave much to be desired.
This article covers all that AARP has to offer in terms of dental insurance and our recommendation for their products.
Contact us today to compare 15+ of the top-rated companies and find the best coverage for you.
Table Of Contents
- AARP Dental Coverage
- AARP Dental Prices
- Provider Network
- Dental Plans For Seniors
- Customer Reviews
- Recommendation
AARP Dental Coverage
All AARP dental plans are offered through Delta Dental.
PPO plans let you go to any dentist but if you go to one in the network you may get better prices.
The HMO plan requires you to see a dentist in the network.
But what do they cover?
| Service | PPO Plan A (You Pay) | PPO Plan B (You Pay) | Delta Care HMO (You Pay) |
|---|---|---|---|
| Office Visits | 0% | 20% | $5 |
| Exams | 0% | 20% | $0 |
| Cleanings | 0% | 20% | $5 |
| X-Rays | 0% | 20% | $0 |
| Fillings | 20% | 20% | $8-$95 |
| Tooth Removal | 50% | 50% | $10-$140 |
| Root Canals | 50% | 50% | $125-$365 |
| Implants | 50% | 50% | Not Covered |
| Crowns | 50% | 50% | $235-$395 |
| Gum Cleanings | 50% | 50% | $45 |
| Gum Treatments | 50% | 50% | $95-$385 |
| Denture Repair | 20% | 50% | $55 |
| Complete Dentures | 50% | 50% | $365-$385 |
| TMJ Treatment | 50% | 50% | Not Covered |
| Orthodontics | Not Covered | Not Covered | $2,100/Adult; $1,900/Child |
| Deductible | $40 | $90 | None |
| Annual Maximum Benefit | $1,500 | $1,000 | None |
AARP Dental Prices
Dental plans from AARP are above average in price. You can find consistently cheaper plans with the same or more amount of coverage elsewhere like Mutual of Omaha or Aetna.
Below are AARP’s prices for each plan.
| Type | PPO Plan A | PPO Plan B | Delta Care HMO |
|---|---|---|---|
| Individual | $64/month | $45/month | $43/month |
| 2 People | $126/month | $88/month | $70/month |
| 3 People | $192/month | $125/month | $103/month |
AARP Dental Provider Network
AARP dental provider network is offered through Delta Dental.
For the PPO plans, you can see any dentist, with the possibility to pay less if you see someone in the network.
The HMO plans require you to see someone in the network.
Click here to look up dentists in your area in the network.
AARP Dental Plans For Seniors
AARP dental plans offered through Delta Dental do not come with vision or hearing benefits.
This is unfortunate considering this is one of the gaps that Medicare does not cover, and many seniors need.
If you are looking for comprehensive coverage for dental, vision, and hearing to fill in the gaps of Medicare, Aetna is probably going to be your best bet.
AARP Dental Insurance Customer Reviews
Customer reviews for AARP dental plans are below average, with a high number of complaints.
Click here to read reviews on consumer affairs.
You will find the number of complaints to be high compared to their competitors.
Recommendation
Overall, we do not ever see a reason to choose AARP as your dental insurance coverage.
Their reviews are below-average and their prices are high.
Furthermore, you can get more comprehensive coverage through other companies like Aetna and Mutual Of Omaha for the same or lower rates.
Although AARP is very popular and well-known, we recommend steering away from them for many types of insurance.
If you want to compare rates and benefits among 15+ of the top companies, please contact us or leave a comment below.
Seniors Mutual is an independent insurance agency that can find the best plans and rates for you.
We look forward to speaking with you!
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