AARP hambaravikindlustuse ülevaade PlatoBlockchaini andmete luurest. Vertikaalne otsing. Ai.

AARP hambaravikindlustuse ülevaade

Ajatempel: 11. märts 2022 kell 4

Postitus AARP hambaravikindlustuse ülevaade by Janet Hunt, kindlustusagent ilmus esmalt Benzinga. Külastus Benzinga et saada rohkem sellist suurepärast sisu.

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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 type PPO Managed fee for service PPO Dental HMO Discount plan
Annual max Jah Jah Jah Ei Ei
Mahaarvatav Jah Jah Jah Ei Ei
Copayment Jah Jah Jah Jah ei ole kohaldatav

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.

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AARP Dental
alustama
Ameritas
alustama
 Helista kohe
turvaliselt Ameritase veebisaidi kaudu

rohkem Detailid
Parim

Täiskasvanute ja laste ortodontiahüvitised

N / A
1 minutiline ülevaade

Ameritas pakub usaldusväärseid tervise-, hambaravi- ja nägemiskindlustuse plaane. Leidke oma piirkonnas teenusepakkuja, kasutades Ameerika suurimat võrku.

Parim

  • Ortodontilised eelised
  • Inimesed, kellel on Ameritasega tervise- või nägemiskindlustus
  • Suur pakkujavõrk
Plusse

  • AM-i parim hinnang A
  • Lai valik katvusvõimalusi
  • Orto katvus kuni 50%
Miinused

Delta Dental
alustama
 Helista kohe

rohkem Detailid
Parim

Koristamine + eksamid

N / A
1 minutiline ülevaade

Delta Dental on hambaravikindlustusselts, millel on üle 80 miljoni liikme ja ligi 339,000 60 hambaarsti võrgustik üleriigiliselt. USA suurima hambaravikindlustusandjana pakub Delta Dental kindlustust üksikisikutele ja peredele ning väikeettevõtetele ja pensionäridele. Üle XNUMX-aastase kogemusega Delta Dental pakub Ameerika parimaid hambaravikindlustusplaane.

Parim

  • Ortodontilised protseduurid
  • Koristamine ja eksamid
Plusse

  • Saadaval üleriigiline levi
  • Mitmed hambaravikindlustusvõimalused
  • Hind vastab allahindluste pakkujatele
  • Ennetava ravi ooteaeg puudub
Miinused

  • Saadavus erineb osariigiti
Guardian Dental
alustama
 Helista kohe
turvaliselt Guardian Dentali veebisaidi kaudu

rohkem Detailid
Parim

Noored täiskasvanud ning laste ja teismelistega pered

N / A
1 minutiline ülevaade

Guardian pakub kõikehõlmavat hambaravikindlustus saate osta iseseisvalt või tööandja kaudu. See hõlmab põhi- ja ennetavat hooldust, aga ka täiustatud teenuseid, nagu juurekanalid, kroonid, sillad ja proteesid. 

Guardiani laialdane võrgustik, mis koosneb enam kui 120,000 8 pakkujast. See pakub erinevaid plaane, et saaksite valida plaani, mis sobib teie eelarvega ja hambaravi vajadustega. Guardiani plaanid algavad veidi üle XNUMX dollarist kuus. 

Plaanid, mida Guardian otse müüb, on PPO-d, mis tähendab, et saate külastada hambaarste väljaspool võrku, kuid maksate rohkem kui võrgusisese hambaarsti vastuvõtul. Guardian pakub tööandjate kaudu ka HMO-sid. HMO-d ei pruugi maksta, kui külastate võrguvälist hambaarsti. 

Guardian pakub ka kaughambaravi, nii et saate probleemide korral kodus hambaarstiga nõu pidada. 

Kuigi kõik peaksid kaaluma hambaravikindlustust, on Guardiani taskukohased plaanid eriti head noortele täiskasvanutele, kellel võib olla piiratud eelarve ja piiratud hambaravi vajadused. Guardian pakub peredele ka ortodontilist hooldust (breketid) ja regulaarset ennetavat teenust. 

Parim

  • Laste ja teismelistega pered
  • Noored täiskasvanud
Plusse

  • Teledentistika
  • Plaani valikute valik
  • Taskukohane põhiplaan
Miinused

  • Mobiilirakendusel on piiratud funktsionaalsus
Cigna
alustama

rohkem Detailid
Avalikustamine: Not every plan is available in every area or to every customer.
Parim

Affordable annual premiums

N / A
1 minutiline ülevaade

The Cigna Dental Savings Plan is a more affordable alternative to traditional dental insurance. Like traditional health or dental insurance, you’ll pay a premium to keep your discount plan current. However, instead of paying a premium every month, you’ll pay off your entire annual premium when you sign up for coverage. When you need dental treatment, you can use your Cigna Dental Savings plan to receive a discount on services. Fees vary by region, but on average, dental plan holders save about 35% on their treatments. Using a dental plan in lieu of insurance also allows you to get the services you need without the hassle of filing a claim. 

While not a form of dental insurance, investing in a dental savings plan can help you control the costs of your oral care needs. Unlike many dental insurance options, the Cigna Dental Savings Plan can be used for cosmetic dentistry and orthodontics care so long as you choose a service provider that’s within Cigna’s network. Though a savings plan won’t cover any of the costs of your actual care, it can provide individuals and families with an option to lower their costs without breaking the bank. 

 

Parim

  • Anyone who doesn’t have dental insurance
  • Anyone looking to save money on dental care costs
  • Families looking for affordable dental assistance
Plusse

  • Allows you to save an average of 35% on dental care costs
  • Includes a network of 88,000 dental professionals
  • Discounts can be used on cosmetic dental procedures
Miinused

  • Does not cover any portion of your dental care costs
  • Pole saadaval igas osariigis
UnitedHealthCare
alustama
 Helista kohe
turvaliselt UnitedHealthCare'i veebisaidi kaudu

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.

Korduma kippuvad küsimused

Q

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

1
If I buy dental insurance from AARP, can I choose my dentist?
küsis 2022-03-11
Janet Hunt, kindlustusagent
A
1

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

Vastuse link

vastatud 2022-03-11
Benzinga

Postitus AARP hambaravikindlustuse ülevaade by Janet Hunt, kindlustusagent ilmus esmalt Benzinga. Külastus Benzinga et saada rohkem sellist suurepärast sisu.

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