With plans covering a wide range of dental services, you can find one that fits your needs, for better oral health now and down the road.
The first step to finding the right dental plan for your needs and budget is to decide on a preferred provider organization (PPO) insurance plan or a dental health maintenance organization (HMO¹) plan.
Choose a PPO plan if flexibility is most important to you.
Available in all states
Choose this plan if predictable costs are most important.
Available in AZ, CA, CO, DC, FL, GA, IL, KY, MD, MO, NM, NY, OH, PA, TN, TX and WV
Review coverage details and decide which plan is right for you and your family. The plans cover similar services, but out-of-pocket costs vary and some plans have waiting periods, annual deductibles and annual maximums. To find plans and rates in your area and review a complete description of benefits, get a quote.
All dental plans cover preventive, basic and major services, including dentures. Some plans cover other services like teeth whitening, implants and orthodontics. Limitations and exclusions apply, and out-of-pocket costs differ, so be sure to review details on this page and in the plan documents. Available plans vary by state.
Enjoy a high level of coverage. Includes:
Annual deductible
$40
(waived for cleanings, exams and x-rays)
Annual maximum
$2,000
Waiting periods
9 months for major services
Coverage increases over four years. Includes:
Annual deductible
$75⁵
(waived for cleanings, exams and x-rays)
Annual maximum
$1,000 year 1
$1,250 year 2
$1,500⁵ year 3
$1,750⁵ year 4
Waiting periods
No waiting periods
Lower coverage at a lower monthly price than our other PPO plans. Includes:
Annual deductible
$90
(waived for cleanings, exams and x-rays)
Annual maximum
$1,000
Waiting periods
12 months for major services
Fixed costs with HMO coverage only in a limited network. Includes:
Annual deductible
No deductible
Annual maximum
No maximum
Waiting periods
No waiting periods
PPO plans: You’ll pay a percentage of the dentist’s fee for covered services. Deductibles and waiting periods apply (the Protect Propel plan has no waiting periods), except for preventive services.
DeltaCare USA plan: For this HMO plan, you’ll pay a fixed dollar amount for each covered service. Coverage only applies when you visit a DeltaCare USA general dentist at your selected primary care facility (referral required to see a specialist). There are no deductibles or waiting periods.
| PPO Protect Plus | PPO Protect Propel⁶ | PPO Protect | DeltaCare USA |
|---|---|---|---|
| Office visits | |||
| 0% No waiting period | 0% all years No waiting period | 20% No waiting period | $5 No waiting period |
| Exams | |||
| 0% No waiting period | 0% all years No waiting period | 20% No waiting period | $0 No waiting period |
| Cleanings | |||
| 0% No waiting period | 0% all years No waiting period | 20% No waiting period | $5 No waiting period |
| X-rays | |||
| 0% No waiting period | 0% all years No waiting period | 20% No waiting period | $0 No waiting period |
| Fillings | |||
| 20% No waiting period | 60% year 1 50% year 2 50% year 3 40% year 4+ No waiting period | 20% No waiting period | $8 - $95 No waiting period |
| Tooth removal | |||
| 50% No waiting period | 90% year 1 75% year 2 60% year 3 50% year 4+ No waiting period | 50% No waiting period | $10 - $140 No waiting period |
| Gum cleanings | |||
| 20% No waiting period | 60% year 1 50% year 2 50% year 3 40% year 4+ No waiting period | 50% No waiting period | $45 No waiting period |
| Denture repair | |||
| 20% No waiting period | 90% year 1 75% year 2 60% year 3 50% year 4+ No waiting period | 50% No waiting period | $55 No waiting period |
| Teeth whitening | |||
| 0% 6-month waiting period | Not covered | Not covered | Not covered |
| Root canals | |||
| 50% 9-month waiting period | 90% year 1 75% year 2 60% year 3 50% year 4+ No waiting period | 50% 12-month waiting period | $125 - $365 No waiting period |
| Implants | |||
| 50% 9-month waiting period | 90% year 1 75% year 2 60% year 3 50% year 4+ No waiting period | Not covered | Not covered |
| Crowns | |||
| 50% 9-month waiting period | 90% year 1 75% year 2 60% year 3 50% year 4+ No waiting period | 50% 12-month waiting period | $235 - $395 No waiting period |
| Gum treatments | |||
| 50% 9-month waiting period | 90% year 1 75% year 2 60% year 3 50% year 4+ No waiting period | 50% 12-month waiting period | $95 - $385 No waiting period |
| Complete dentures | |||
| 50% 9-month waiting period | 90% year 1 75% year 2 60% year 3 50% year 4+ No waiting period | 50% 12-month waiting period | $365 - $385 No waiting period |
| TMJ treatment | |||
| 50% 9-month waiting period | Not covered⁷ | 50% 12-month waiting period | Not covered |
| Veneers | |||
| 50% 9-month waiting period | Not covered | Not covered | Not covered |
| Orthodontics | |||
| Not covered | 100% year 1 100% year 2 50%⁵ year 3 50%⁵ year 4+ No waiting period | Not covered | $2,100 per adult $1,900 per child No waiting period |
Office visits
Tooth removal
Gum cleanings
Denture repair
Teeth whitening
Root canals
Gum treatments
Complete dentures
TMJ treatment
Orthodontics
This is only a summary of benefits. Limitations, exclusions, annual deductibles, copayments and maximums apply. For a complete description of benefits, see the Certificate/Evidence Of Coverage.
If you’re an active AARP member, find details about plans and prices in your area by selecting Get a quote. Enter your home ZIP code, number of family members to cover and the date coverage should start.
Your satisfaction is guaranteed. If you are not completely satisfied with your plan, Delta Dental will provide a full refund within the first 30 days, as long as no benefits have been used.
For a list of providers, visit deltadentalins.com/aarp/find-a-dentist.html. Must be an AARP member to enroll.
© Delta Dental Insurance Company
Where offered, the AARP® Dental Insurance Plan is insured by Delta Dental Insurance Company in AK, AL, DC, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, PR, TN, TX, UT, VI and WV, by Dentegra Insurance Company in AR, AZ, CA, CO, CT, HI, IA, ID, IL, IN, KS, KY, ME, MI, MN, MO, NC, ND, NE, NH, NJ, NM, OH, OK, OR, RI, SC, SD, VA, VT, WA, WI and WY, and by Dentegra Insurance Company of New England in MA. For Texas residents, your Master Policy Form number is TX-AMD-MC-DPO-D-DC(DELTAUSA1-2005). For Idaho residents, your Certificate of Coverage Form Number is COC-DIC-ID-AARP-24.
You may view the DDIC Network Access Plan, as required by the Health Benefit Plan Network Access and Adequacy Act, online at deltadentalins.com. You may also contact us by calling 800-422-4234 to request a copy.
Where offered, the DeltaCare® USA plan is underwritten by Alpha Dental of Arizona, Inc. in AZ, by Alpha Dental of New Mexico, Inc. in NM, by Alpha Dental Programs, Inc. in IL, KY, MD, MO, OH and TX, by Delta Dental Insurance Company in DC, FL, GA, TN and WV, by Delta Dental of California in CA, by Delta Dental of New York, Inc. in NY, by Delta Dental of Pennsylvania in PA, and by Dentegra Insurance Company in CO. In Florida, Delta Dental Insurance Company provides DeltaCare USA Plan benefits as a Prepaid Limited Health Service Organization as described in Chapter 636 of the Florida Statutes.
You may view the DeltaCare USA Network Access Plan, as required by the Health Benefit Plan Network Access and Adequacy Act, online at deltadentalins.com. You may also contact us by calling 800-422-4234 to request a copy.
The plans are administered by Delta Dental Insurance Company. These companies are financially responsible for their own products. Delta Dental is a registered mark of Delta Dental Plans Association.
AARP endorses the AARP Dental Insurance Plan, administered by Delta Dental Insurance Company. Delta Dental Insurance Company pays royalty fees to AARP for use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers.
In VA, this is an excepted benefits policy. It provides coverage only for the limited benefits or services specified in the policy.
