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Conversationalist
Posts: 6
Registered: ‎04-04-2015

Re: ENCORE DENTAL: Is AARP Dental Insurance from Delta Dental a Rip-off?

Message 1 of 65 (140 Views)
ENCORE DENTAL IS A DENTAL INSURANCE PLAN, NOT A DENTAL PLAN. DON'T BE FOOLED!
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ENCORE DENTAL: Is AARP Dental Insurance from Delta Dental a Rip-off?

Message 2 of 65 (152 Views)

I am pleased with Encore Dental.

https://www.encoredentalplan.com/

 



 

Conversationalist
Posts: 6
Registered: ‎04-04-2015

Re: Is AARP Dental Insurance from Delta Dental a Rip-off?

Message 3 of 65 (163 Views)
r795081w - I hear you loud and clear and know what you're saying is true, their customer service is very bad. In the meantime, you should look into available "Dental Plans" in your area, not Dental Insurance Plans.
Info Seeker
Posts: 1
Registered: ‎08-17-2017

Re: Is AARP Dental Insurance from Delta Dental a Rip-off?

Message 4 of 65 (184 Views)

I had a very bad experience with AARP dental upon signing up. I had to pay for the first two months and AARP dental instantly took the payment from my account TWICE. I called customer service right away, they said they had no record ot taking payment twice and told me to wait 3 days to call them back! Whenever I called I got the same answer, no record of the double payment. I was given a fax # to send in my bank statement and show the 2 payments. I faxed it in and still got no response! I called back and talked to a "supervisor" who didn't even know what fax # the reps were handing out! She gave me another fax# and told me they would take care of it asap upon receiving the fax. No response after mutiple faxes. I called my bank and was advised to file a fraud report on the double payment. After filing the report my bank refunded my money 1 week later. I went ahead and cancelled my policy with aarp dental. There is no way I want this company to have access to my banking info. I am new to AARP and signed up for the dental because my dentist said it was good insurance. Never again. I will probably drop AARP after my year with them is up.

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Conversationalist
Posts: 6
Registered: ‎04-04-2015

Re: Is AARP Dental Insurance from Delta Dental a Rip-off?

Message 5 of 65 (440 Views)
Hello sg21408916 -
Thank you! I neglected to mention, the insurance company's customer service is very poor, surprise!
Conversationalist
Posts: 6
Registered: ‎04-04-2015

Re: Is AARP Dental Insurance from Delta Dental a Rip-off?

Message 6 of 65 (548 Views)

I am totally disgusted with the so-called "discounts" offered through AARP, but their "Delta Dental Insurance" discount offer is, so far, the most egregious. After putting it off for too long, due to many other pressing matters, I went with my husband to a local dentist advertised as the best dentist in the area. While there, I asked for a dental coverage recommendation. Without hesitation they said, "Delta Dental." Since I have been an AARP member for several years and knew they offered a discount to their members for this specific insurance, I went online and signed up with AARPs Delta Dental program. At the time, I spoke with a Delta Dental representative. I remember thinking that the premium quoted seemed a bit high, and not only because we would have to wait a year before having anything done and reaping the benefits of dental insurance coverage, as retirees; however, I felt that the dentists' office would not steer us wrong. After all, what could they possibly gain by recommending a company that wasn't good to their future clients. The first time we used the card, on our first visit, I remember that the lady at our new dentists' office made a face (crinkling it like someone would when they smell something bad) when she saw the card. I thought that was odd, but chalked it up to my imagination and surmised she was probably thinking of something else at that moment that had nothing to do with the card.

 

The first year our (for me and my husband) annual premium was $905.88 for "AARP Delta Insurance Plan c/o Delta Insurance Company", Plan B. Last year, I switched to a quarterly basis and now pay $235.32 each quarter, being $941.28 annually. The Annual deductible on this plan is $100.00 each and there is a $1,000 maximum benefit for each of us, per calendar year. One of the strange things about this coverage is that although a checkup and cleanings are generally considered preventative and not subject to a deductible, cleanings are subject to the deductible under this plan. Also, there is NO coverage for: Adult Orthodontic, Bone Replacement Graft (often needed in conjunction with Implants), Any Cosmetic Procedure and I'm sure other things generally covered. I have become very adept at not smiling in public for several years now because to be able to do so would cost me over $10,000 which I, as well as others who worked all their lives, can use for more affordable needed items. Meanwhile, as an aside, people who are on SSI can now openly and with the government's aid and blessing do drugs and when all their teeth rot people like us will be the ones who are forced  to pay the cost of their pearly whites. I digress, sorry.

 

Considering I have been to the dentist less than 5 times in the past three years and have paid well over $2,750.00 for this insurance alone, I have decided to do a little research to find out what else might be available.

 

Part of my disgust with AARP comes from the fact that AARP's version of Delta Dental coverage is being sold as a "savings" when it is clearly a bastardized version of real Delta Dental coverage that ANYONE can get on their own, as a stand-alone (without AARP), at a better price. Simply stated, more coverage for less money. So, what gives AARP?

 

Delta Dental offers 3 different insurance plans in the State of Washington, where I live: "Enchanted Plan", for $96.40/month; "Classic Plan" for $80.00/month; "Clear Plan" for $92.00/month. Currently, I am paying $78.42/month. Our AARP Delta Dental Plan B is closest to the Delta Dental stand-alone "Classic Plan", costwise; however, we have a $100 deductible while the "Classic Plan" has a $50.00 deductible. We must pay 50% of Periodontal Maintenance Cleaning through AARP's Delta Dental Plan. Meanwhile, under the stand-alone Delta Dental "Classic Plan" we would only pay 20%. For other examples, you will need to do some research and compare the two.

 

At this point I really must question EVERYTHING else AARP is hocking as a "SAVINGS" to their membership. For now, I'm considering my options for fair dental coverage and Delta Dental through AARP is not one of them. Shame on you AARP! BTW, AARP Delta Dental Insurance is administered by Delta Dental Insurance Company and underwritten by Dentegra Insurance Company. Could this be a case of elder abuse?

 

Conversationalist
Posts: 5
Registered: ‎12-20-2012

Re: Is AARP Dental Insurance from Delta Dental a Rip-off?

Message 7 of 65 (611 Views)

WOW!! After reading about Delta on your web site I have to question the True Value of being an AARP member. You have let me down for the FINAL TIME.

Info Seeker
Posts: 1
Registered: ‎12-06-2014

Re: Is AARP Dental Insurance from Delta Dental a Rip-off?

Message 8 of 65 (739 Views)

The main reason I got this insurance was tthe 50% implant coverage.  WELL, after only two years an abutment/screw failed ( it was weird from the start, however, I was assured everything is fine).  I find out that you will get NO help from Delta Dental if you need a replacement in less than 5 years????  That's backwards.  So I get to pay for an implant AGAIN after only 2 years!  I am finished with them.

Info Seeker
Posts: 1
Registered: ‎01-15-2015

Re: Is AARP Dental Insurance from Delta Dental a Rip-off?

Message 9 of 65 (938 Views)

I totally agree.  I won't go into the details of what a massive ripoff AARP/Deltadental is, as it only makes me angry.  The only reason I joined AARP was for this "insurance" & unfortunately I joined for something like 10 years.  Think I'll cancel & try to get some of my money back.

Info Seeker
Posts: 1
Registered: ‎03-01-2016

Re: Is AARP Dental Insurance from Delta Dental a Rip-off?

Message 10 of 65 (1,182 Views)

I have AARP complete HMO/POS & I ran into same problem (on phone several times with AARP C/S & the dental plan C/S) because there are no dentist in my area. The closest dentist is an hour away and they couldn't guarantee I would be covered because the plan's dental is through Soltas. Still AARP should not be promoting basic preventitive when the dentist in an area where you live aren't in the plan. However, the Medicare plan I am on is doable otherwise.