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Info Seeker
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Registered: ‎12-16-2013

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

Message 51 of 71 (21,253 Views)

Since I'm a recently retired CalPers member, I signed up with AARP for it's dental plan. I paid in 2013 $583.00 a year for coverages for both my wife and myself.

 

Since our renewal is approaching on 12-1-14, I looked into DeltaDental USA directly. I found out that I can purchase the EXACT same coverages with DentalDental USA CAA54 (DeltaDental USA CAA55 for $138.00) directly for $149.00 per year for both my wife and myself. Why is AARP charging so much more? In addition, I'm fed up with all the postal mail I'm receiving weekly regarding AARP's newsletters, promotions, JUNK MAIL, etc...

 

The so-called savings AARP is offering "seniors" on vision, dental, insurances, etc...are over inflated. If you do some leg work by checking into specific private plans, you'll be able to find special, deals, promotions, etc...that are far less expensive than what AARP is offering.

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Posts: 771
Registered: ‎06-27-2012

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

Message 52 of 71 (45,320 Views)

We have AVIA Dental Discount which was recommended by my dentist.  We pay $128 per year.  Receive discounts of 50-60%.  Our dental bills have been killing me.  Even with the discounts.  We've had multiple problems the last two years.  My sister just had 10 teeth pulled and a bridge made.  Cost with AVIA $8,000 without $14,000.  The Oral Surgeon took AVIA, her Dentist did not. 

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Posts: 1
Registered: ‎10-06-2014

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

Message 53 of 71 (44,134 Views)

To the Office Manager:.... so glad that you are loyal.....but you deal with a third party in which my payments were going but did not know until Deltal kept calling about payments.......when I found out I made contact with them and told me that they recieved my payment and had sent it to delta......I went to the dentist and finally they could not do anymore work because they haven't received payment from delta..... I made contact with deltal about payment to the dentist and delta says I have to be reinstated!!.... FOR WHAT?? WHY?... it happen again and everytime I was told that I had to be updated...... this went on for about 7 months and I had no coverage but I consistantly made payments for those 7 months.. and even though I consistantly made payments you sent me a letter of termination.........delta finally made a payment to my dentist and I thought evryuthing was ok.... but you sent a letter of terminating my coverager saying my termination was due to one of five items below.... I called delta and no one could tell me why I was cancelled...... I kept calling and was promiss a return call and guess what.. no return call.......this has been four years and still no reason for my cancellation......... and my payments was not returned........ you stopped coverage in june......but the letter wasn't sent until November/ December..........justifying your reason for keeping my payments to you...........please understand.....coverage was good......but it wasn't long before your company put me and my wife through hell!!

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Posts: 2
Registered: ‎10-20-2009

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

Message 54 of 71 (43,856 Views)
In Response to Re: Is AARP Dental Insurance from Delta Dental a Rip-off?:
In Response to Re: Is AARP Dental Insurance from Delta Dental a Rip-off? : My wife and I have been AARP members for over 16 years.  When we reached 65, we signed up for original Medicare Parts A and B and bought an AARP/United Healthcare Medicare supplemental plan.  We are satisfied with the United Healthcare Medicare supplemental plan. We also took out an AARP Delta Dental plan, although our dentist warned that the dental plan was not worth the money. I had so much going on transitioning into retirement, that I just signed up for the dental plan trusting AARP and figuring I would review it more closely when I had time; and I wanted to start the one year waiting period for major items, such as crowns.  To shorten this story, when I did the math, I understood my dentist's advise.  The plan is terrible and I wasted almost a $1000 in premiums staying with the program for the first year. We did not renew.    AARP should do the math and it will reveal how overpriced and inadequate this coverage is under almost any real world senario, given the deductibles, exclusions and annual caps on benefits.  AARP should not lend its good name to this dental insurance plan regardless of how much Delta Dental pays it for use of its name.  AARP members since 1997
Posted by ws2521

This is very true!

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Posts: 2
Registered: ‎10-20-2009

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

Message 55 of 71 (41,386 Views)
I agree wholeheartedly.  To get a good dental insurance, with none of the regular knock-offs for good denistry, is an expensive nightmare.  You can almost pay cash all the time cheaper than pay the high monthly dental plan premiums, and there are no exceptions except for the, as noted above, the crappy strings of same dentistries that rip off the dental companies and they don't even know it.   They make up the discounted price by just doubling or tripling the doctor visits, e.g., general cleanings, etc.  Or come up with sending you to a specialist which you don't even need (happened to me twice), and/or coming up with a new something you need rather than address a previous noted problem that you are now ready to take care of.  Why?  Because they don't get extra monies for the re-addressed problem like if they come up with a new problem.  I have actually experienced these.  Even if you get a half-way decent policy that you like and has your dentist, etc., then you have to contend with a 1 yr. waiting period which is definitely ripping us off.


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Posts: 2
Registered: ‎01-18-2014

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

Message 56 of 71 (41,157 Views)
In Response to Is AARP Dental Insurance from Delta Dental a Rip-off?:
We've had AARP dental insurance for 17 months. We pay ~$115/month for dual coverage. Items that should be covered according to our contract are not. One of my crowns came out with a post attached. My dentist was able to rfe-install the crown using a longer post. He charged $300 for the post. Delta said they would reimburse $170 for such a procedure. However, that procedure is not covered. My dentist was able to save the crown. He only charged for the post. according to my contract that should be covered. I wonder what else is convieniently not covered? Frankly, I could have dropped the insurance and paid cash on the spot and i would have come out ahead. Has anyone else had such an experience? 
Posted by Labrat64

My wife and I have been AARP members for over 16 years.  When we reached 65, we signed up for original Medicare Parts A and B and bought an AARP/United Healthcare Medicare supplemental plan.  We are satisfied with the United Healthcare Medicare supplemental plan.

We also took out an AARP Delta Dental plan, although our dentist warned that the dental plan was not worth the money. I had so much going on transitioning into retirement, that I just signed up for the dental plan trusting AARP and figuring I would review it more closely when I had time; and I wanted to start the one year waiting period for major items, such as crowns.  To shorten this story, when I did the math, I understood my dentist's advise.  The plan is terrible and I wasted almost a $1000 in premiums staying with the program for the first year. We did not renew.   

AARP should do the math and it will reveal how overpriced and inadequate this coverage is under almost any real world senario, given the deductibles, exclusions and annual caps on benefits.  AARP should not lend its good name to this dental insurance plan regardless of how much Delta Dental pays it for use of its name. 

AARP members since 1997

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Posts: 2
Registered: ‎01-18-2014

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

Message 57 of 71 (39,562 Views)

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

Sorry you had a bad experience with your with your Dentist. Perhaps it had nothing to do with Delta Dental.I am an Office Manager at a dentiat office. They are loyal to their Insureds and pay claims as long as you abide by  the clearly written rules in your handbook.
Posted by yesterday101


My wife and I have been AARP members for over 16 years.  When we reached 65, we signed up for original Medicare Parts A and B and bought an AARP/United Healthcare Medicare supplemental plan.  We are satisfied with the United Healthcare Medicare supplemental plan.

We also took out an AARP Delta Dental plan, although our dentist warned that the dental plan was not worth the money. I had so much going on transitioning into retirement, that I just signed up for the dental plan trusting AARP and figuring I would review it more closely when I had time; and I wanted to start the one year waiting period for major items, such as crowns.  To shorten this story, when I did the math, I understood my dentist's advise.  The plan is terrible and I wasted almost a $1000 in premiums staying with the program for the first year. We did not renew.   

AARP should do the math and it will reveal how overpriced and inadequate this coverage is under almost any real world senario, given the deductibles, exclusions and annual caps on benefits.  AARP should not lend its good name to this dental insurance plan regardless of how much Delta Dental pays it for use of its name. 

AARP members since 1997

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Posts: 47
Registered: ‎08-09-2008

Delta Dental a Rip-off?

Message 58 of 71 (38,407 Views)
In Response to Re: Is AARP Dental Insurance from Delta Dental a Rip-off?:
There are things like credit cards that allow payment over time, but I don't know or have a good dental insurance plan  In Response to Re: Is AARP Dental Insurance from Delta Dental a Rip-off? :
Posted by krlklar


The credit card is called CARE CREDIT. Look up online. I have payment taken out of automatically from checking account so do not get charged any interest.   
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Posts: 2
Registered: ‎04-28-2009

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

Message 59 of 71 (38,237 Views)
In Response to Re: Is AARP Dental Insurance from Delta Dental a Rip-off?:
The primary benefit of the Dental Plan is obviously the  the subsidy that Delta pays to AARP, who in turn shell outexcessive compensation to the fat cat officers and lobyists on the payroll. The plan is crap. I had an excision of a molar that had broken off performed by an oral surgeon. Her charge was $307, which I considered very fair for the time it took, and her experience with complicasted excisions. Well, Delta's "allowance" for the procedure was $&&. They then appilied a $50 deductible and reimbursed me at 50% of the $27 difference. $13.50 payment on a $307charge. We had prior experience with NorthEast Delta Dental who provided a much better product for a price similar to that charged by AARP for their rip off benefit.
Posted by billbouman


Recently had an extraction and a small filling.....ended up paying more than Deltal did!  Even the dentist's assistant agreed when I told her I was cancelling Delta and covering the cost myself....I pay $170 every 3 mos for just myself.  For the extraction and filling I paid $154 and may still pay more on a $300 bill. 
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Posts: 2
Registered: ‎04-28-2009

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

Message 60 of 71 (37,784 Views)
In Response to Is AARP Dental Insurance from Delta Dental a Rip-off?:
We've had AARP dental insurance for 17 months. We pay ~$115/month for dual coverage. Items that should be covered according to our contract are not. One of my crowns came out with a post attached. My dentist was able to rfe-install the crown using a longer post. He charged $300 for the post. Delta said they would reimburse $170 for such a procedure. However, that procedure is not covered. My dentist was able to save the crown. He only charged for the post. according to my contract that should be covered. I wonder what else is convieniently not covered? Frankly, I could have dropped the insurance and paid cash on the spot and i would have come out ahead. Has anyone else had such an experience? 
Posted by Labrat64