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Subject:  Re: AARP Health insurance Date:  5/18/2007  9:09 AM
Author:  tilnow Number:  11330 of 20784

DorothyM wrote:
"my dentist recommended that I get the AARP Delta Dental plan when my Cobra dental runs out."

We've had the AARP Delta plan for two years and just paid a steeply higher premium for year 3. I called to ask why such a high jump and was told the first two years you are locked in with an introductory premium; after that it goes up every year.

Peridontal services are not covered during the first year. After that there are strict limits on services, i.e. only two cleanings yearly are covered although peridontal patients usually require 4. Prior to enrolling, we found it virtually impossible to learn exactly what was covered! Once you enroll and pay, a coverage contract is mailed to you.

If you're not in a metropolitan area, finding a participating provider can be difficult. Most dentists will accept AARP Delta, but aren't participating providers, so your co-pay can be much higher.

I suggest you calculate what you would pay out-of-pocket without dental ins. for the services you now use and expect soon. Year 3 insurance with AARP Delta for one person costs nearly $600.

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