With more than 37,000,000 members, AARP is catering to the needs of many senior citizens in many ways, dental insurance being one of these. The aim of the organization is to help the seniors living in the nation, have access to the best treatment facilities without bearing the heightening expenses that come along. Most of the citizens belonging to this age group end up avoiding their dental health because of financial crisis. Which is why, AARP has endorsed various insurance plans to cater the needs of such citizens so that they may avail the best treatment at exceptionally lowered costs. This proves to be of crucial advantage to the members as timely dental treatment also proves to be helpful for diagnosing some serious health conditions such as heart diseases and diabetes, at an early stage.
AARP is not the insurer, this organization only endorses its name with insurance companies, in return of which it receives royalties from the company. The dental insurance plans of AARP are administered by Delta Dental Insurance Company. As of now, members have two to three options from which they can choose a suitable plan. While most of the states have only two PPO plans, those residing in California, Texas, and Florida have an additional choice of a DHMO plan. Here are the details of these dental insurance plans and their coverage.
Premium rates can be paid either monthly, quarterly, semi-annually, or annually. Note that for the DeltaCare USA (DHMO) option, only monthly and annual payments can be made. There are many factors that affect the premium rates payable for these plans. The payment is calculated based upon the area of living, number of people enrolled, and the plan chosen. Quotes for the same can be acquired by entering these details on their official website.
The eligibility for enrollment is pretty simple. You need to be 50 years old or more, and are allowed to include your family members as well in the plan. The determinants affecting the AARP Dental Insurance Plan rates are mentioned as under.
Every area has different rates for dental treatment. Therefore, your premium rates will also vary depending upon your zip code.
As mentioned earlier, there are two PPO plans and one DHMO plan (in some states) that are given by the insurance company as the available options. Plan A and Plan B that constitute among the two PPO plans are available in all states. Among these two, Plan A may prove to be more expensive, but provides benefits that Plan B fails to provide at lower premium rates. The DHMO plan rates vary and hence, it is difficult to determine if it will be cheaper or expensive compared to the other two plans.
The organization gives you an option to enroll either yourself, self + one, or self + two or more. You can enroll the names of a spouse/domestic partner, dependent children who are unmarried, grandchildren who are less than 26 years old, and a partner to a civil union. The more number of people are enrolled, the higher is the amount of premium.
The premium rates also depend upon the payment option the member chooses. For instance, the PPO option gives allows you to pay premiums either monthly, quarterly, semi-annually, or yearly. So, accordingly, the payment will vary. If opting for the DHMO plan, members are allowed to pay either on a monthly basis, or on an annual basis. Payment methods including check, Visa, MasterCard, American Express, money order, and even electronic funds transfer (EFT) are available.
AARP dental insurance allows you to pay little out of your own pocket, since most of the dental care treatments are covered. You will rarely have to look for a dentist out of their network since four out of five dentists in the nation are a part of the Delta Dental network. AARP dental insurance is often synonymous with quality dental health care, since the dentists have to meet the pre-imposed conditions of quality set by the insurance company.