Choose a Dentist
Under the AARP® Dental Insurance Plan administered by Delta Dental Insurance Company, you're free to choose any dentist you want, or stick with the one you already have. However, by selecting a Delta Dental DPOSM dentist or a Delta Dental Premier® (Premier) dentist, you may reduce your out-of-pocket costs.
The following chart helps explain the difference in costs based on the dentist you choose.
| Delta Dental DPO Dentists | Delta Dental Premier (Premier) Dentists | Non-Delta Dental Dentists | |
|---|---|---|---|
| Overview | Provide greatest ability to limit your out-of-pocket costs | May charge a somewhat higher fee than DPO dentists | Have no fee limits and may charge full cost of treatment |
| Dentist's Fees | Provide treatment at moderate fees; accept the Delta Dental DPO Maximum Plan Allowance as payment in full* | Provide treatment at reduced, pre-negotiated fees; accept the Premier Maximum Plan Allowance as payment in full* | Do not accept set or pre-negotiated fees; may charge full cost of treatment |
| Member Payment** | Deductible + Copayment/Coinsurance |
Deductible + Copayment/Coinsurance + Difference between the Delta Dental DPO Maximum Plan Allowance* and the Premier Maximum Plan Allowance* |
Deductible + Copayment/Coinsurance + Difference between the Delta Dental DPO Maximum Plan Allowance* and the dentist’s full fee |
| Claim Process | Delta Dental DPO dentists handle all claims and bill Delta Dental directly Member receives notice explaining the portion of the bill Delta Dental and the member are responsible for paying |
Premier dentists handle all claims and bill Delta Dental directly Member receives notice explaining the portion of the bill Delta Dental and the member are responsible for paying |
Non-Delta Dental dentists may or may not handle claims paperwork Member may have to pay up front, then submit claim to Delta Dental to be reimbursed |
* Delta Dental DPO Maximum Plan Allowance and Premier Maximum Plan Allowance may vary by dental office and/or dental specialty.
** Member is responsible for any amount over the plan calendar year maximum benefit and any non-covered service.
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