Orlando Harmon
AARP offers a range of insurance plans for its members, including medical, dental, and vision coverage. AARP Medicare Plans, provided by UnitedHealthcare, are available in most states and territories, and include Medicare Advantage (Part C) plans, which offer dental, vision, hearing, and prescription drug coverage. Additionally, AARP members can access dental insurance plans administered by Delta Dental Insurance Company, which cover common dental procedures for individuals or families. AARP also provides vision plans through VSP, offering annual eye exams, glasses, and lens enhancements. These plans are tailored to meet the specific needs and budgets of members and their families.
| Characteristics | Values |
|---|---|
| Dental Insurance Plan | Administered by Delta Dental Insurance Company |
| Available in 39 states and insured by Delta Dental Insurance Company, Dentegra Insurance Company, or Dentegra Insurance Company of New England | |
| Vision Insurance Plan | Administered by VSP |
| Four vision plans to choose from | |
| Annual eye exam, glasses, and lens enhancements included in all plans | |
| Medical Insurance Plan | AARP Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company |
| Available in all states except North Dakota and New York |
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What You'll Learn
AARP Dental Insurance Plan
The AARP® Dental Insurance Plan is a dental insurance plan designed for AARP members and their families. It is administered by the Delta Dental Insurance Company, which is financially responsible for its products. The plan offers individual or family coverage for the most common dental procedures, as well as some other services like teeth whitening, implants, and orthodontics.
The AARP Dental Insurance Plan has no waiting periods for plans in California as of 01/01/2025. It is available in many states across the US and is insured by different companies depending on the state. For example, in AK, AL, DC, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, PR, TN, TX, UT, VI, and WV, the plan is insured by Delta Dental 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, it is insured by Dentegra Insurance Company. Texas and Idaho residents have specific Master Policy Form numbers to locate their relevant plan.
The AARP Dental Insurance Plan provides access to a large network of dentists and offers plans for a variety of budgets and needs. There is a choice of Preferred Provider Organization (PPO) plans and a Dental Health Maintenance Organization (DHMO) plan. PPO plans offer more flexibility, while DHMO plans offer more predictable costs. All plans cover preventive, basic, and major services, including dentures.
To find the right plan, one must consider their needs and budget. The first step is deciding between a PPO or DHMO plan. Then, one must review the coverage details, out-of-pocket costs, waiting periods, annual deductibles, and annual maximums for each plan. AARP members can find specific plans and prices in their area by entering their ZIP code, the number of family members to cover, and the desired coverage start date. Delta Dental also guarantees satisfaction with its plans, offering a full refund within the first 30 days if a customer is not completely satisfied, as long as no benefits have been used.
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AARP Vision Plans
AARP offers vision plans from VSP, which is a third-party provider. These vision plans are designed for members and their families and include benefits such as an annual eye exam, glasses, and lens enhancements.
There are four vision plans to choose from, with options and pricing found on the VSP website or by calling to enroll. The VSP website also provides a list of in-network providers.
The EyeHealth Focus Plan is specifically designed for AARP members and includes benefits such as no copays for annual eye exams, a $20 retinal screening copay, and a $55 copay for progressive lenses. This plan also includes a $40 copay for an anti-glare lens coating and a $200 frame allowance.
In addition to the EyeHealth Focus Plan, AARP members can also access discounts on vision care, eye exams, and eyewear from top providers like EyeMed. These benefits can include 20% off frames and 50% off prescription lenses when purchasing a complete pair of glasses.
AARP members can also take advantage of the country's largest independent eye doctor network through VSP, making it easy to find a doctor near them.
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AARP Medicare Supplement Insurance Plans
AARP offers Medicare Supplement Insurance Plans, also known as Medigap, to help cover some out-of-pocket costs that Original Medicare doesn't pay. These plans are insured by UnitedHealthcare Insurance Company or one of its affiliated companies and are available to AARP members in all states/territories except North Dakota and New York. Non-members can join AARP for $20.00 a year to access these plans. In New York, plans are offered by UnitedHealthcare Insurance Company of New York, and in North Dakota, they are available through UnitedHealthcare Insurance Company of America.
The AARP Medicare Supplement Insurance Plans offer a range of benefits, including Medicare Advantage (Part C) plans, which provide all the benefits of Original Medicare (Part A and Part B) plus additional coverage for dental, vision, hearing, and prescription drugs. Chronic Special Needs plans (C-SNPs) are also included in the AARP Medicare Advantage Plans and are designed for individuals living with qualifying chronic conditions.
Additionally, AARP provides a Dental Insurance Plan administered by Delta Dental Insurance Company, covering common dental procedures for individuals or families. This plan offers flexibility and predictable costs, with coverage for preventive, basic, and major services, including dentures, teeth whitening, implants, and orthodontics.
AARP also offers Vision Plans from VSP, providing four vision plan options tailored to meet the needs of members and their families. All plans include an annual eye exam, glasses, and lens enhancements, such as progressives and anti-glare coating.
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AARP Medicare Advantage (Part C) plans
Medicare Advantage (Part C) plans are available from private insurance companies and have a variety of out-of-pocket costs. The monthly premium for a Medicare Advantage Prescription Drug (MAPD) plan is frequently less expensive than a prescription drug plan alone. Each plan has its own set of costs, but they typically include deductibles, copays, and coinsurance.
Medicare Advantage plans often have a low or no-cost monthly premium, but you will still be responsible for some expenses. An annual deductible is a predetermined, fixed cost that you must pay out of pocket before your plan begins to pay. Most Medicare Advantage plans have distinct medical and prescription drug deductibles. A copayment, or copay, is a form of cost-sharing in which you pay a portion of the cost for a service, such as a doctor's visit, while your insurance pays the remainder.
Medicare Advantage plans have a yearly spending limit, known as an out-of-pocket maximum. Once you reach this limit, you will pay nothing more for covered expenses for the rest of the plan year. Many Medicare Advantage plans have a network of approved doctors and hospitals, and you typically pay less out of pocket if you use a provider within this network.
AARP offers Special Needs Plans (SNPs), a type of Medicare Advantage plan for those with specific financial or healthcare needs, such as chronic conditions or residence in a skilled nursing facility. These plans offer benefits tailored to an individual's condition, disease, or living situation.
AARP also provides Dental Insurance Plans administered by Delta Dental Insurance Company, as well as Vision Plans from VSP, with options for individuals or families. These plans are provided by third-party providers and are subject to their terms, conditions, and policies.
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AARP Chronic Special Needs plans
AARP offers Chronic Special Needs plans (C-SNP) through UnitedHealthcare, America's most-chosen brand of Medicare Advantage plans. These plans provide specialized coverage for people with chronic medical conditions.
C-SNPs offer benefits and services to people with specific severe and chronic diseases, certain health care needs, or who also have Medicaid. These plans include care coordination services and tailor their benefits, provider choices, and list of covered drugs to meet the specific needs of the groups they serve. For example, a C-SNP for people with end-stage renal disease might include access to special drug coverage to treat that condition. C-SNPs also cover the same Medicare Part A and Part B benefits that all Medicare Advantage Plans cover.
Some of the chronic conditions covered by C-SNPs include diabetes, cardiovascular disease, chronic heart failure, end-stage renal disease, respiratory disease, chronic mental illnesses, dementia, and HIV/AIDS.
In addition to medical coverage, C-SNPs may also offer dental, hearing, and vision benefits. For example, UnitedHealthcare Dental covers preventive and comprehensive services like cleanings, fluoride treatments, fillings, crowns, root canals, and extractions. Hearing benefits include routine hearing exams and a broad selection of OTC and brand-name hearing aids. Vision plans include an annual eye exam, glasses, and lens enhancements such as progressives and anti-glare coating.
AARP also offers a separate Dental Insurance Plan administered by Delta Dental Insurance Company, which offers individual or family coverage for the most common dental procedures.
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Frequently asked questions
AARP offers dental insurance plans administered by Delta Dental Insurance Company. These plans cover common dental procedures and are available for individuals or families.
AARP offers four vision insurance plans through VSP. These plans include an annual eye exam, glasses, and lens enhancements.
AARP offers Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company. These plans are available in most states and territories.
