AARP Members Enjoy Exclusive Discounts on Travel, Dining and More. Join Today

Reply
Gold Conversationalist

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

37,877 Views
Message 61 of 71
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

     In my opinion you would be better off figuring out just what both of you actually spend per year for dental care and set that amount aside in a special account.  We lost our dental insurance when we left work, our company allowed us to stay with the medical plan; but not dental or vision plans.   After searching other dental plans and what actually is covered we decided to just figure dental/vision cost into our budget and forgo joining any dental plans. If you need implants or other expensive treatments, perhaps you can get it "coded" by your doctor as medically necessary and you health insurance should cover some if not all of those procedures.
    If you're medical expenses are large enough, you can add your dental/vision costs into that as part of your medical tax deductions (ours expenses are low so we can not).
Report Inappropriate Content
Info Seeker

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

26,656 Views
Message 62 of 71

I am glad I read the posts of Delta Dental being a Rip-off, it seen like everything in this country for the last eight years has been very "SHADY" when ti come down to the consumer.  I was about to join AARP Delta Dental Insurance plan  until I started reading the post; also I did not like the fact that you can not use it for certain procdures until you have been with the company for a year.  Well I did some investigations and compared prices.  I do not have major dental issues that require a lot of money.  My one issue is a root canal that need to be re-done.  My other work is maintainence like  cleanings and checking for fillings.  Well I found a dentist I have been going to for cleaning for about 4 years.  When he told me I need to have the root canal done over I asked him what his price was and told him I did not have dental Insurance...he suggested to me to get Carrington 500 Dental.  You pay $6.95 plus the discount your dentist will charge you if he is in that net work.  Take a look at some of their fees.  Just google Carrington 500.

 

Careington 500 Full Fee Schedule For 55432

Top of Form

Bottom of Form

Know your treatment costs ahead-of-time, or verify charges for treatment, by using this list of approved procedures. The 98,000 dentists in the Careington 500 network have agreed by contract to charge members these published fees (and listed discounts for specialist care).

 

Don't see your procedure?
Call us 800-372-7615

Anesthesia

Deep Cleaning - Scaling

Lab Fees

Teeth Cleaning

Braces

Dental Bridges

Root Canals

Tooth Extractions

Cavity Fillings

Dentures - Fixed

Orthodontics

X-Rays

Crowns

Dentures - Removable

Oral Evaluation

 

 

back to topDIAGNOSTIC (Exams, X-Rays)

ADA code

Procedure

Typical Fee

You Pay

Savings

0120

periodic oral evaluation - established patient

$53

$14

73% off

0140

limited oral evaluation - problem focused

$79

$18

77% off

0150

comprehensive oral evaluation - new or established patient

$93

$18

80% off

0210

intraoral - complete series (including bitewings)

$138

$40

71% off

0220

intraoral - periapical first film

$30

$10

66% off

0230

intraoral - periapical each additional film

$26

$6

76% off

0270

bitewing - single film

$30

$10

66% off

0272

bitewings - two films

$48

$13

72% off

0273

bitewings - three films

$58

$17

70% off

0274

bitewings - four films

$68

$20

70% off

0330

panoramic film

$116

$40

65% off

 

back to topPREVENTIVE (Cleanings, etc.)

ADA code

Procedure

Typical Fee

You Pay

Savings

1110

prophylaxis - adult

$95

$29

69% off

1120

prophylaxis - child

$70

$21

70% off

1351

sealant - per tooth

$58

$20

65% off

1510

space maintainer - fixed - unilateral

$328

$87

73% off

1515

space maintainer - fixed - bilateral

$445

$127

71% off

1520

space maintainer - removable - unilateral

$397

$113

71% off

1525

space maintainer - removable - bilateral

$501

$143

71% off

 

back to topRESTORATIVE (Fillings)

ADA code

Procedure

Typical Fee

You Pay

Savings

2140

amalgam - one surface, primary or permanent

$150

$40

73% off

2150

amalgam - two surfaces, primary or permanent

$188

$51

72% off

2160

amalgam - three surfaces, primary or permanent

$231

$60

74% off

2161

amalgam - four or more surfaces, primary or permanent

$273

$73

73% off

2330

resin-based composite - one surface, anterior

$171

$51

70% off

2331

resin-based composite - two surfaces, anterior

$211

$61

71% off

2332

resin-based composite - three surfaces, anterior

$263

$77

70% off

2335

resin-based composite - four or more surfaces or involving incisal angle (anterior)

$331

$98

70% off

2391

resin-based composite - one surface, posterior

$187

$64

65% off

2392

resin-based composite - two surfaces, posterior

$242

$94

61% off

2393

resin-based composite - three surfaces, posterior

$302

$119

60% off

2394

resin-based composite - four or more surfaces, posterior

$361

$138

61% off

 

back to topRESTORATIVE (Crowns)

ADA code

Procedure

Typical Fee

You Pay

Savings

2710

crown - resin-based composite (indirect)

$990

$191

80% off

2720

crown - resin with high noble metal

$1131

$403

64% off

2750

crown - porcelain fused to high noble metal

$1189

$473

60% off

2751

crown - porcelain fused to predominantly base metal

$1093

$428

60% off

2752

crown - porcelain fused to noble metal

$1136

$447

60% off

2790

crown - full cast high noble metal

$1210

$465

61% off

2791

crown - full cast predominantly base metal

$1055

$417

60% off

2930

prefabricated stainless steel crown - primary tooth

$280

$93

66% off

2931

prefabricated stainless steel crown - permanent tooth

$341

$106

68% off

2950

core buildup, including any pins

$283

$93

67% off

2951

pin retention - per tooth, in addition to restoration

$77

$23

70% off

2952

post and core in addition to crown, indirectly fabricated

$444

$146

67% off

2954

prefabricated post and core in addition to crown

$355

$114

67% off

 

back to topENDODONTICS (Root Canals, etc.)

ADA code

Procedure

Typical Fee

You Pay

Savings

3110

pulp cap - direct (excluding final restoration)

$88

$21

76% off

3120

pulp cap - indirect (excluding final restoration)

$90

$21

76% off

3220

therapeutic pulpotomy (excluding final restoration) - removal of pulp coronal to the dentinocemental junction and application of medicament

$216

$51

76% off

3310

endodontic therapy, anterior tooth (excluding final restoration)

$791

$272

65% off

3320

endodontic therapy, bicuspid tooth (excluding final restoration)

$896

$322

64% off

3330

endodontic therapy, molar (excluding final restoration)

$1081

$406

62% off

 

back to topPERIODONTICS (Scaling / Deep Cleaning / Root Planing, etc.)

ADA code

Procedure

Typical Fee

You Pay

Savings

4210

gingivectomy or gingivoplasty - four or more contiguous teeth or tooth bounded spaces per quadrant

$656

$271

58% off

4341

periodontal scaling and root planing - four or more teeth per quadrant

$264

$94

64% off

4910

periodontal maintenance

$144

Report Inappropriate Content
Valued Social Butterfly

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

26,301 Views
Message 63 of 71
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


I have spent many hours looking for dental insurance that is worth anything.   No wonder so many people walk around with missing teeth in the USA.    Some have a maximum payout of $1200 in a year and a deductible besides.  

I have heard of people who live near the border that go to Mexico for dental treatment.     Someone I know took a vacation for $1500 to Thailand and was met with a Limo.    Got several crowns and fillings  and still had time for  a vacation.  

I don't know what is going on in the dental world that some can charge $4000 to replace one tooth in a fixed bridge.  Or charge $1200 for a crown.
Report Inappropriate Content
Info Seeker

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

26,092 Views
Message 64 of 71
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.
Report Inappropriate Content
Info Seeker

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

25,723 Views
Message 65 of 71
Most definitely a rip off!  Forget it completely and talk with your dentist, or, if you'd willing to change dentists (if your dentist doesn't participate) check out DentalPlans.com which we just found on the internet.  There's a CIGNA Dental Network which we are now looking into....so far, so good!!  We'll keep you posted.
Report Inappropriate Content
Info Seeker

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

25,601 Views
Message 66 of 71
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.

Report Inappropriate Content
Info Seeker

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

25,160 Views
Message 67 of 71
In Response to Re: Is AARP Dental Insurance from Delta Dental a Rip-off?:
I do not know about Delta Dental; however, if you are looking for a great dental and vision insurance I would like to recommend SAMBA Dental amnd Visiopn Plans.  I have it and it is the best dental insurance I have found that does not have a lot of restrictions and false information hidden in the fine print.  Please check out the attached link, maybe it could be a wonderful insurance for others  seeking.  http://www.sambaplans.com/DentalVision.aspx .
Posted by Rapunzel55


Unfortunately, Samba is only for federal employees.
Report Inappropriate Content
Info Seeker

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

24,688 Views
Message 68 of 71
 
Unfortunately, Samba is only for federal employees.
Report Inappropriate Content
Info Seeker

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

24,673 Views
Message 69 of 71
In Response to Re: Is AARP Dental Insurance from Delta Dental a Rip-off?:
I found the dentists in this program to be of poor quality.  After several years and several dentists, I dropped the insurance.  I would up having to pay a lot of money to fix problems that these dentists didn't take care of.
Posted by jmtg

Report Inappropriate Content
Info Seeker

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

24,560 Views
Message 70 of 71
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? : I recently signed up with a company I thought with the emblems and all was indeed bc/bs dental-PPO which my dentist takes.  Cost was reasonable enough.    Come to find out...this was instead  Florida Combined Life which has a tiny microscopic  message underneath their name on the paperwork  that they are "an independent licensee of bc/bs Assoc.   "I  complained and canceled without much of an fanfare from them as they know how misleading that is.   So gotta  be careful....and even then....you can get duped.  I was under Humana's HMO dental plan and it wasn't any good either and you had to go to dentists on the list and some are nightmares.   So---I don't know what I'm going to do now.     I spend more on dental than I do on medical. 
Posted by JANMB

Report Inappropriate Content