AARP Dental Insurance Review

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Contributor, Benzinga
March 11, 2022
AARP Dental
Overall Rating:
Best For
  • AARP members
  • Seniors on a fixed budget
  • Large preferred provider network
  • Freedom to visit any licensed provider
  • Coverage available in most U.S. states and territories
  • All coverage options are not available in every state

AARP Dental Ratings at a Glance

Application Process
Insurance Customer Service
Mobile App
Insurance Benefits
Insurance Policy Options
Insurance Overall

AARP Dental Application Process

For AARP members looking to get a quote for dental insurance, the process is fairly straightforward. You start the process from the AARP website by clicking on the prominent “Get a quote” box. You can also choose your state to see which plan options are available in your local area. If you prefer, you can also enroll by mail or by telephone by calling Delta Dental toll-free at (800) 735-2929. 

AARP Dental Insurance Customer Service

In the United States, Delta Dental has a network of 39 independently owned and operated dental care providers. To find the BBB rating for a certain location, you must enter the location here. The majority of Delta Dental insurance firms had an "A+" BBB rating, while many were not BBB accredited.

Delta Dental Insurance has 47 customer reviews on Consumer Affairs, with an overall satisfaction rating of 2.5 stars. Delays in payment or denials of claims were among the most common complaints.

Several Delta Dental organizations received "A" or "A-" Excellent financial strength ratings from A.M. Best. A.M. Best does not rate every Delta Dental Group.

AARP Dental Pricing

AARP’s Delta Dental insurance plans are designed for budget-minded people and offer a wide range of coverage options. For example, choosing a dentist out of the large preferred provider network will help seniors realize the greatest savings for dental care. Pricing varies by state and by plan. Not all policy options are available in every state. Here are two example PPO dental insurance plans for a single female, age 55:

  • Plan A: $63.94 per month includes comprehensive coverage, low out-of-pocket costs, free preventive care, optional accident coverage, teeth whitening and veneers services.
  • Plan B: $44.84 per month includes routine checkups, cleaning, fillings and root canals. This plan features a low monthly premium with a slightly higher than average out-of-pocket cost. 

The DeltaCare USA plan does not have an annual maximum or deductible. There is a $1,000 to $1,500 annual cap with deductibles (usually per person per year) ranging from $40 to $90, depending on the procedure and the plan you choose.

AARP Dental Mobile App

Delta Dental offers a mobile app compatible with iOS (Apple) and Android devices. From the mobile app, you can:

  • Obtain a mobile ID card
  • Locate a dentist near you
  • Locate an in-network dentist
  • Use the dental care cost estimator to find estimated price ranges for common dental services.

You can download the Delta Dental mobile app from App Store (Apple) or Google Play (Android). 

AARP Dental Insurance Benefits

The DeltaCare USA Plan does not have a waiting time, and neither do PPO Plans A or B's diagnostic and preventive. Major restorative procedures such as periodontics, prosthodontics and other dental treatments require an additional year of wait time of one year under Plan A. A common exclusion in other dental insurance policies is anesthesia, which Delta Dental covers to a limited extent. Users will receive added savings by choosing a network provider, but they have the freedom to choose any licensed dentist.

AARP Dental Insurance Policy Options

Besides offering plans oriented at seniors through the AARP, Delta Dental offers plans directly on their website. In addition to providing a wealth of information and tools for retirees on their website, the AARP Plan is one of the few insurers Benzinga researched that provides instant coverage for fillings, denture repair, tooth removal and root canals.

The Delta Dental insurance plans are shown below. Plan information was found on the Delta Dental Plan Association website. Each state has its own Delta Dental company that runs the plans and prices.

Delta Dental PPO™Delta Dental Premier®Delta Dental PPO Plus Premier™DeltaCare® USA (HMO)Delta Dental Patient Direct
With the Preferred Provider Program, you can get access to a dental network of dentists who will accept lower fees. Ensures that there aren't any out-of-pocket costs.Delta Dental Premier has the largest dentist network. It is the initial fee-for-service plan of the company. You only have to pay your deductible and copay.The Delta Dental PPO Plus Premier network combines the Delta Dental PPO and Delta Dental Premier networks to provide you with all of the benefits of a dental PPO plus more. You get the benefit of the out-of-network dentist's contracted cost if you go to an out-of-network dentist.DeltaCare USA is a health maintenance organization (HMO) that provides low-cost dental coverage with a focus on preventative treatment. Preventive treatment will cost you little or nothing, and you'll be able to choose from a network of dentists.Delta Dental Patient Direct is a dental discount plan offered by Delta Dental. You select a dentist from the participating network who offers reduced rates. There is no paperwork to file because you pay the dentist directly.
Dental plan typePPOManaged fee for servicePPODental HMODiscount plan
Annual maxYesYesYesNoNo
CopaymentYesYesYesYesNot applicable

AARP Delta Dental vs. Competitors

The chart below depicts the AARP Delta Dental Insurance and its competitors as well as the price differences between each of the companies. The amount you pay for dental insurance is determined by a number of factors, including your location and the level of coverage you require or choose.

AARP Dental Insurance Overall

Currently, 39 independent member companies in the United States provide coverage for AARP dental insurance through Delta Dental. The company offers a wide range of plan options, from the most basic to the most comprehensive, to meet the demands of seniors. Seniors benefit from Delta Dental's wide range of coverage options and policy perks from AARP membership.  Delta Dental offers dental insurance plans to meet the needs of most seniors.

Frequently Asked Questions


If I buy dental insurance from AARP, can I choose my dentist?


You can save more money if you choose a network provider, but you can still go to any licensed dentist you prefer.

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Dental Insurance Methodology

To determine the best dental insurance providers, we pored through all United States carriers. We winnowed the list by only including companies that have a wide coverage area and product offering. To further break down the list to the true best dental insurance providers, we gave weight to carriers that offer discounts, are available in all states and have multiple payment plan options.

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About Janet Hunt, Insurance Agent

Janet has been working in, and writing about, the insurance industry for over 20 years.