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AARP Dental Insurance Plan
December 21st, 2009 | Author: admin
The AARP Dental Insurance Plan is a dental PPO called Delta Dental PPO, which offers you the freedom to choose any licensed dentist and change dentists at any time without notifying Delta Dental. This is the only dental coverage custom-designed exclusively for AARP members. The Delta Dental PPO network includes more than 66,000 dentist locations nationwide. You will maximize your benefits when visiting their dentist, they are a select group of Delta Dental dentists who agree to provide treatment to Delta Dental PPO patients at reduced fees. As these fees have been prenegotiated by Delta Dental, your out-of-pocket expenses will likely be lower.
When visiting a Delta Dental PPO dentist, you don’t have to pay the entire bill and wait for reimbursement from them. Instead, they pay their portion directly to your dentist. They send you a notice explaining your part of the bill, and you pay the dentist only that amount. Delta Dental PPO dentists also deal all claims and paperwork for you.
To find a Delta Dental PPO dentist in your area, you may call their Customer Service Center toll-free at 1-866-583-2085 from 8 a.m. to 8 p.m. Eastern time. They can provide you with information regarding a dentist’s membership status, specialty and office location. Or, use their online directory to find a Delta Dental PPO dentist. Below, let us walk you through the different AARP options as well as their different benefits – to help you make your choice easier.
1. Delta PPO Dental Plan
Since AARP sources their AARP dental insurance plans from Delta Dental, the dental insurance it provides to their members is basically a Delta Dental PPO plan. Under this plan, you can choose you own preferred dental care provider and even switch dentists without need for notification. Although Delta Dental offers higher coverage for dental care provided by any of its 66,000 dental locations in theri network, members can also choose out-of-network dentists just as most PPO plans allow.
Delta PPO will already pay the dentist directly for their portion of your dental health costs, so you just have to pay your share and go. You do not have to deal with troublesome claims as your dentist and Delta Dental will make the transaction between them.
2. AARP Delta Plan A
Members are given 2 options when it comes to AARP dental insurance plans. The first plan is the AARP Dental Plan A, which covers 100% of all diagnostic and preventative dental procedures. The coverage also includes 80% of periodontal maintenance cleanings, denture repairs, and denture relining and rebase. Basic restorative care such as fillings, as well as oral surgery and root canals are also covered by 50%. After 12 months, you also get an additional 50% coverage on all periodontal procedure, crown restoration, cast restoration, dentures, and temporomandibular joint dysfunction.
It also provides a 100% dental accident benefit with a lifetime maximum of $1000. The deductible for this Plan A is $50, with a maximum benefit of $1,350 on a calendar year basis. The temporomandibular joint dysfunction treatment coverage, on the other hand, is up to $300.
3. AARP Delta Plan B
The AARP Delta Insurance Plan B is similar to Plan A in most respects but some differences in the coverage. Instead of 100% coverage on diagnostic and preventative care, plan B will cover only 80%. The periodontal maintenance, denture repairs, fillings, oral surgery, and endodontics are all covered up to 50%. And you will still get the full 50% additional coverage package offered with Plan A.
But plan B does not include dental accident coverage. The deductible for this plan is $100 with maximum benefit of $1,000 and the same lifetime maximum limit of $300 for temporomandibular joint dysfunction treatment.