"Two cleanings and exams a year will cost (at today's prices) ~$400 total, just a wee bit more than the current Delta premiums ($38.xx/month, with $1000 yearly benefit so the coverage makes sense. (My Cobra premium is $35.xx/month for $1500 total annual coverage.)"AARP/Delta pays a maximum 80% if the service is with a participating dentist. In remote rural areas like mine, there are no participating ones nearby so a local dentist who "accepts" AARP/Delta is used. Coverage then is much lower.It's a good insurance. If the dentists office or AARP gives you an access code, you can check the Delta website for participating dentists in your area. Anyone near a city of any size should be able to find a participating dentist.An interesting observation--we find that the same services we had been paying out-of-pocket before are billed lots higher under the insurance.P.S. Dorothy, how do you show the message quote in italics for your reply? I use Windows EX and can't figure it out. Thanks.