Frequently Asked Questions

General Questions

Who administers the plan?
The AARP® Dental Insurance Plan is administered by Delta Dental Insurance Company, which is part of the nation's oldest and largest dental benefits system.
Who is eligible?
Active AARP members and their spouse or domestic partner, partner to a civil union and unmarried dependent children and grandchildren under age 26 are eligible for enrollment.
How do I become an AARP member?
AARP membership is open to any person age 50 or above. To join or renew your membership, visit or call 1-888-OUR-AARP (1-888-687-2277; TTY: 1-877-434-7589), Monday through Friday, 7:00 a.m. to 11:00 p.m. Eastern Time and/or Saturday, 9:00 a.m. to 5:00 p.m. Eastern Time. You may also click on one of the links at the top right corner of the page.

Dental Plan Questions

How does the Delta Dental DPO work?
The AARP Dental Insurance Plan DPO options differ from many others in that you have the choice to visit any licensed dentist, anywhere in the world. While you have flexibility in choosing a dentist with this plan, you may maximize your benefits by visiting a participating Delta Dental network dentist. Delta Dental dentists agree to provide treatment at reduced fees, which means your share of the bill will likely be lower when you see a dentist in the Delta Dental DPO (DPO) network.
What are some of the key features of the DeltaCare® USA DHMO plan?
Some of the key features of the DeltaCare USA DHMO plan include:
  • No annual deductibles and no maximums for covered benefits
  • No waiting periods
  • Low or no out-of-pocket costs for many diagnostic and preventive services (such as professional cleanings and regular dental exams)
  • Orthodontics for adults and children
  • Set dollar copayments (vs. percentages with the DPO plan)
Can I continue seeing my current dentist?
DPO Plan enrollees have the freedom to visit any licensed dentist in the United States. With the DPO Plan, you have the choice of visiting a Delta Dental DPO dentist, a Delta Dental Premier® (Premier) dentist or any other licensed dentist. However, you'll usually enjoy the most savings when visiting a DPO dentist.

With the DeltaCare USA DHMO plan, you must select your contract dentist from the DeltaCare USA network when you enroll in the plan. You must receive treatment from your DeltaCare USA DHMO contract dentist; otherwise, any dental services you receive will not be covered. If your current dentist participates in the DeltaCare USA DHMO network, then you may continue to see him or her.
What if I need to see a specialist?
For the DPO plans, you may select any specialist to visit. Please remember that selecting a DPO dentist may help you lower your out-of-pocket expenses as they have agreed to reduced fees.

For DeltaCare USA DHMO, your contract dentist will coordinate your dental care and will refer you to a specialist. Specialist services may require a preauthorization (review your Evidence of Coverage for specific information). Except for dental emergencies and preauthorized specialty services, treatment provided by a dentist other than your selected contract dentist will not be covered.
What if I require treatment while I'm traveling away from home?
With the DPO, your plan covers you and any eligible dependents anywhere in the world—even in situations that are not emergencies.

With DeltaCare USA DHMO, you may seek emergency treatment from a Dentist other than your selected Contract Dentist without a referral if you are 35 miles or more from your assigned Contract Dentist. Benefits for emergency treatment received from any Dentist other than your selected Contract Dentist are limited to a maximum of $100.00 per emergency, per Enrollee. You are responsible for the Copayment(s) as well as any charges over the $100.00 benefit maximum. Emergency dental care is limited to palliative treatment for the elimination of dental pain. Further treatment must be obtained from your Contract Dentist.

Enrollment Questions

What are the premiums/rates?
Premiums for the AARP Dental Insurance Plan are based on the prevailing dental costs in the region where you live (based on your zip code). The number of individuals you elect to enroll, your plan choice, and payment option also affect the premium. The plan rates will be included in the Enrollment Kit you receive. You can also get a quote online now.
What are my payment options?
Check, money order, VISA,® MasterCard, and American Express are all acceptable methods of payment. For added convenience, you may set up an automatic checking or savings account electronic funds transfer (EFT) as a monthly payment option. For the DPO option, you may pay monthly, quarterly, semi-annually or annually. For the DeltaCare USA DHMO option, there are only monthly and annual payment options.
How do I enroll?
You can enroll in the AARP Dental Insurance Plan in three ways. Just remember, if you're enrolling in DeltaCare USA DHMO, you must select a DeltaCare USA DHMO contract dentist (include the dentist facility number) at the time of enrollment.
  1. Online: You can enroll online right now to expedite the beginning of your coverage.
  2. By mail: You can request an Enrollment Kit online. Your Enrollment Kit will contain all the information you need to enroll in any of our plan options, including the premium rates.
    • Please review the information.
    • Complete the enclosed enrollment form.
    • Sign it and return it in the enclosed prepaid envelope for the plan you've selected.
  3. By phone: You can also enroll by phone at any time by calling 1-866-583-2085 (TTY: 1-800-735-2929).
When will my benefits begin?
Your coverage will begin on the first day of the following month once your eligibility has been verified and your payment has been processed.

Please note that for DeltaCare USA DHMO, your payment and enrollment application must be received by the 21st of the month in order for benefits to begin the following month. If your enrollment application is received after the 21st of the month, your benefits will not begin until two months later; e.g., enrollments received on January 22 will have an effective date of March 1.

For DeltaCare USA DHMO, all benefits begin immediately. For our DPO options, benefits begin immediately for most preventive, diagnostic and basic restorative services, as well as root canals and extractions. Benefits such as dental implants, periodontics, crowns and TMJ are available after one year of continuous enrollment.

AARP Dental Insurance Plan

Delta Dental DPO plan is insured and administered by Delta Dental Insurance Company.

DeltaCare USA dental HMO plan is underwritten by Alpha Dental Programs, Inc., and administered by Delta Dental Insurance Company.

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