You must be extra careful in signing up for Delta Dental AARP plan as neither Delta, the AARP, or you dentist will advise you of the problems.You may expect to be covered 100% for diagnostic and preventive care (including exams, X-rays, and cleaning) in plan "A" as advertised.
Delta, in reality, pays 52.6% if your dentist is not in the AARP plan. I was amazed at this realization. Prior to signing up with Delta through the AARP I thought I did the due diligence by speaking with my dentist and a Delta customer service representative to insure that I understood the terms and conditions. I even printed what was available and showed it to my dentist.
I was assured by both Delta and my dentist of the purported plan payments for the diagnostic and preventive care. It was only after receiving the first invoice that I learned in fact that there were two (2) Delta plans, one for corporations and one for the AARP. The plan for the AARP provides considerably lesser benefits and coverage. I reviewed all the documentation and never saw any mention of this distinction.
I was told by Delta that it was up to my dentist to inform me of this fact. I believe my dentist replied honestly to my questions. It was just that I didn't know the right questions to ask at that time. Thus I learned that the AARP policy with Delta is really not the best for seniors unless you plan to change dentists to a Delta P.
P.O., one who agrees to accept a lower reimbursement.
Review about: Delta Dental Dental Insurance.