AARP Dental Insurance Plan for Senior Citizens - Dental Jobs Expert

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AARP Dental Insurance Plan for Senior Citizens

AARP dental insurance plan for senior citizens. Senior citizens often neglect their regular oral health check up because they can’t afford the dental insurance. However, finding an affordable dental insurance is actually possible with the American Association of Retired Person dental insurance plan.

As you may have known, one of the biggest factors that raise the amount of an insurance premium is age. It is often that senior citizens are charged more than twice the amount of insurance premium for younger people. It does seem unreasonable, but that’s just the way it is.

The AARP dental insurance plan for senior citizens is a good way to ensure and maintain your oral health. This insurance plan is a great alternative for dental discount plans, especially if you need complex procedures that cost more than average. We will cover the discount dental insurance plan for senior in a few days ahead, but for now we’re focusing on giving you the proper information about the AARP dental insurance plan for senior citizens.

A preferred provider association called Delta Dental is the one responsible to provide dental coverage in the AARP dental insurance. This allows the AARP members to get a various options, including choose their own dentists.

AARP Dental Insurance Plans

AARP dental insurance plan for senior citizens image

Images from the official site of AARP


What are the advantages of AARP dental insurance plan for senior citizens?

  1. You can choose your dentist, you can even switch dentist if you’d like.
  2. No need to file a claim or reimbursement forms, meaning that you can walk away free or pay your share (depending on the dental insurance plan you have).

There are two types of AARP dental insurance plan for senior citizens, which include:

AARP Dental Plan A

Consider this dental insurance plan as the premium package. It does come with a higher premium compared to the Plan B, but the coverage is better. In the AARP Dental Plan A, the insurance will cover 100% of the total cost for diagnostic and preventive procedures. For maintenance and repairs procedures, they will cover 80% of the total cost. Finally yet importantly, restorative procedures costs are covered 50%. Restorative procedures include denture relining, denture repairing, cleaning, surgeries and root canals. They also cover dental accidents. Maximum benefit per person is $1,500 per year.

AARP Dental Plan B

The AARP Dental Plan B is a more affordable option. There are not much of a difference in the procedure coverage, but they do cover less than the Plan A. This AARP dental insurance plan for senior citizens cover 80% of the total cost for diagnostic and preventive procedures, and 50% of the total cost for maintenance, repairs, and restorative procedures. Maximum benefit per person is set at $1,000 per year.

AARP Dental Insurance Plan for Senior Citizens – Simulation

If you are considering to enrol in the AARP dental insurance, you can choose for individual dental plan or individual+spouse dental plan. We are going to do a small simulation showing how much should you pay monthly for each plan in Seattle, Washington WA.

AARP Dental Insurance Plan for Individual in Seattle Washington (WA)

Plan Name Type Deductible Maximum Premium
PPO Plan A PPO $50, waived on Diagnostic and Preventive $1,500 per person $58.78
PPO Plan B PPO $100 $1,000 per person $39.14

AARP Dental Insurance Plan for Two Persons in Seattle Washington (WA)

Plan Name Type Deductible Maximum Premium
PPO Plan A PPO $50, waived on Diagnostic and Preventive $1,500 per person $116.10
PPO Plan B PPO $100 $1,000 per person $77.05

I really hope that this AARP dental insurance plan for senior citizens post can help you understand more about the product. Do note that we are not affiliated with the insurance company, we are just committed to provide our readers with good dental care and dental insurance plan information.

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