As life expectancy increases, so does the need for comprehensive healthcare coverage for seniors. Many seniors are turning to organizations like AARP for affordable and reliable health insurance plans. One of the most important aspects of any health insurance plan is dental coverage. Does AARP offer dental insurance? In this article, we’ll take a look at all aspects of AARP’s dental insurance plans, including what types of coverage they offer, how much they cost, who is eligible, and more.
What is AARP?
AARP (formerly known as the American Association of Retired Persons) is a non-profit organization that provides resources and services to people over the age of 50. The organization offers a wide range of services, including health insurance plans, financial advice, travel discounts, and more.
What Does AARP Offer?
AARP offers a variety of services and benefits to its members. These include travel discounts, financial advice and planning services, discounts on prescription drugs, access to legal help and long-term care planning services, as well as access to health insurance plans.
Does AARP Offer Dental Insurance?
Yes, AARP does offer dental insurance plans for its members. These plans are provided in partnership with UnitedHealthcare Insurance Company (UHC). UHC is one of the largest providers of health insurance in the United States and has been providing coverage since 1977.
What Types of Dental Insurance Does AARP Offer?
AARP offers two types of dental insurance: an indemnity plan and a managed care plan. The indemnity plan allows members to choose their own dentist and receive reimbursements for covered services up to certain limits. The managed care plan requires members to choose from a network of approved dentists in order to receive coverage for their services at discounted rates.
How Much Does AARP Dental Insurance Cost?
The cost for both types of dental insurance plans vary depending on the type of coverage selected and other factors such as age and location. Generally speaking, premiums start at around $20 per month and can go up to $50 or more per month depending on the level of coverage chosen.
Who is Eligible for AARP Dental Insurance?
AARP’s dental insurance plans are available to anyone over the age of 50 who lives in one of the 50 states or Washington D.C., Puerto Rico or U.S Virgin Islands and who is not currently enrolled in Medicare Part B or Medicaid or any other government-sponsored health plan or program that provides similar benefits as those offered by AARP’s plans.
Pros and Cons of AARP’s Dental Insurance
AARP’s dental insurance plans have both advantages and disadvantages that should be considered before enrolling in one or both types of plans offered by the organization:
Pros:
• Affordable premiums
• Wide variety of coverage options available
• Access to network dentists with discounted rates
• Flexible payment options available
Cons:
• Limited selection of network dentists in some areas
• Coverage limits may be too low for some procedures
• Pre-existing conditions may not be covered
• Deductibles may be high in some cases
Alternatives to AARP’s Dental Insurance
If you are looking for alternatives to AARP’s dental insurance plans there are several options available including private dental insurance plans offered by other companies such as Delta Dental or Humana; discount dental programs such as Careington; employer sponsored dental benefits; Medicaid; Medicare Advantage Plans; VA benefits; TRICARE; CHIP (Children’s Health Insurance Program); SCHIP (State Children’s Health Insurance Program); and state-sponsored programs such as Healthy Kids in California or KidCare in Florida which provide free or low cost dental care for children from low income families who do not qualify for Medicaid or CHIP benefits.
Final Thoughts on AARP ’ s Dental Coverage
AARP offers a wide range of benefits for its members including access to health insurance plans that include dental coverage options.Whether you are looking for basic preventive care coverage,major restorative work,or something in between,there is likely an option available through AARP that will meet your needs.It ’ s important to compare all your options before making a decision,but if you are looking for reliable,affordable dental coverage,then it ’ s worth considering what AARP has to offer.
11.Conclusion
AARP offers two types of dental insurance : an indemnity plan and a managed care plan.Both types offer affordable premiums,access to network dentists with discounted rates,flexible payment options,and a wide variety of coverage options.It ’ s important to compare all your options before making a decision,but if you are looking for reliable,affordable dental coverage then it ’ s worth considering what AARP has to offer.
