AARP · Delta Dental · UnitedHealthcare · DeltaCare HMO · PPO Plans · Medicare Supplement Dental · Retirees
AARP connects seniors to dental coverage through two entirely separate partners — Delta Dental for standalone dental insurance, and UnitedHealthcare for Medicare Advantage and Medigap dental benefits. They are different products with different costs, different coverage, and different enrollment rules. Choosing the right one starts with understanding which is which.
🦷 The Two Different “AARP Dental” Programs — Don’t Confuse Them
When seniors search “AARP dental plans,” they can mean two very different things, and confusing the two leads to costly surprises. AARP Dental Insurance Plans administered by Delta Dental are standalone dental insurance policies designed for adults 50 and older — they function like traditional dental insurance with premiums, deductibles, waiting periods, and annual maximums. You buy them separately from any Medicare coverage. AARP Medicare plans through UnitedHealthcare are Medicare Advantage or Medigap plans that may include dental benefits as an add-on — but the extent of that dental coverage varies enormously by plan, state, and year. In 2026, some UHC AARP Medicare Advantage plans reduced dental benefits significantly. The right starting question is: do you want standalone dental insurance (Delta Dental route) or dental benefits bundled inside your Medicare plan (UHC Medicare Advantage route)? Both have merit, but they solve different problems at different price points.
📋 Key Facts — What Every Senior Should Know About AARP Dental
Straight answers to the most-searched questions about AARP dental coverage. Full explanations follow in the FAQ section below.
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What is the best AARP dental plan for seniors? For most seniors: AARP DeltaCare HMO (~$16.95/mo) — no waiting period, no deductible, no annual cap · For flexibility: AARP PPO Protect Propel — no waiting period + PPO freedom · For major work immediately: DeltaCare HMO or Propel · For lowest ongoing premium: DeltaCare HMO winsThe best AARP dental plan depends on one question: do you need major dental work in the next 12 months, or are you mainly maintaining your teeth? If you need a crown, denture, or root canal soon, the DeltaCare HMO (no waiting period on anything) or the PPO Protect Propel plan (no waiting period plus PPO flexibility) are the only options that will pay on that work from day one. If your teeth are in good shape and you’re mainly getting cleanings twice a year with occasional fillings, the DeltaCare HMO at approximately $16.95/month is the most affordable option available anywhere — it has no deductible, no annual maximum, and no waiting period for any service. AARP membership is required for all Delta Dental AARP plans and costs $16/year. Plans and pricing vary significantly by state — always get your state-specific quote at deltadentalins.com/aarp before comparing.
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How much do AARP dental plans cost per month? DeltaCare HMO: ~$16.95–$27.80/mo · PPO Protect (Basic): ~$24.95–$35/mo · PPO Protect Plus: ~$44.44–$52.24/mo · PPO Protect Propel: mid-tier pricing · All prices vary by state and age — get a quote at deltadentalins.com/aarpAARP Delta Dental plan pricing varies meaningfully by state because different Delta Dental member companies underwrite each state. In Florida, the DeltaCare HMO runs approximately $32.72/month for an individual, while in other states it starts closer to $16.95/month. PPO Protect Plus starts at $44.44/month in some markets and climbs to $52.24/month or higher. Most AARP Delta Dental plans use age-related pricing — unlike Cigna’s community-rated structure — which means premiums increase as you get older. The meaningful advantage of enrolling in AARP Delta Dental plans over non-AARP Delta Dental plans is a consistent 15–25% pricing discount attributed to the AARP membership partnership. Entering your specific ZIP code at deltadentalins.com/aarp produces the exact price for your state and age, which is the only number that actually matters for your decision.
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Does AARP Medicare Supplement Plan G have dental? No — AARP Medigap Plan G (through UnitedHealthcare) does not include dental insurance · Starting January 2026, Plan G members have access to UHC’s new Dental Discount Program — a savings card, not insurance · For actual dental coverage, you need a separate dental planAARP Medicare Supplement (Medigap) plans — including the popular Plan G — are designed to fill the cost gaps left by Original Medicare Parts A and B: hospital deductibles, coinsurance, copays, and similar expenses. They do not include dental benefits because Original Medicare itself excludes dental, and Medigap fills the gaps in Medicare’s coverage — not the gaps Medicare never had. Starting January 2026, UnitedHealthcare launched a new Dental Discount Program available to AARP Medicare Supplement plan members. This is not dental insurance — it is a discount card that provides reduced fees at participating dentists in the Dental Savings Network. You pay the dentist directly at a pre-negotiated lower rate, with no claims filed and no insurance reimbursement. For seniors on Plan G who need actual dental insurance coverage, the AARP Delta Dental plans are the most natural complement — bought separately at deltadentalins.com/aarp.
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What do AARP dental plans cover through Delta Dental? All plans: preventive care (cleanings, exams, X-rays) · Basic plans: fillings, simple extractions · Premium plans: crowns, root canals, bridges, dentures, some implant coverage · DeltaCare HMO: fixed copays for all services including major work · Annual maximums: $1,000–$2,000 on PPO plans · DeltaCare HMO: no annual maximumEvery AARP Delta Dental plan covers the preventive tier: two cleanings per year, oral exams, and X-rays — all at 100% with no waiting period on any plan. Basic services — fillings, simple extractions — are covered on all plans except the most basic entry tier; on PPO plans these are typically subject to a 6-month waiting period unless waived through prior continuous coverage. Major services — crowns, root canals, dentures, bridges — are covered at 50% on PPO plans after a 12-month waiting period (waivable with qualifying prior coverage). The DeltaCare HMO covers all services including major work through fixed copays rather than percentage-based coverage: fillings run approximately $25 per surface and dentures approximately $495 per set — with no waiting period and no annual maximum. Some higher-tier PPO plans include implant coverage and orthodontics, which Delta Dental’s basic plans exclude. Read the specific Evidence of Coverage for whatever plan you’re evaluating — benefits vary significantly between the four AARP Delta Dental plan tiers.
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Do AARP dental plans have waiting periods? DeltaCare HMO: NO waiting period — all services covered from day one · PPO Protect (Basic): 12-month wait for major services · PPO Protect Plus: 9-month wait for major · PPO Protect Propel: NO waiting period · Waiting periods waivable with 12+ months of qualifying prior coverage with no gap over 63 daysThe waiting period question is the most important practical filter when choosing an AARP dental plan, and most seniors don’t know the answer before enrolling. Standard PPO plans impose waiting periods of 9–12 months on major services like crowns, root canals, and dentures. Enrolling in a standard PPO plan and expecting coverage for a crown next month is the single most common and painful dental insurance mistake. The two AARP plans that avoid this entirely are the DeltaCare HMO (no waiting period on any service, including major procedures) and the PPO Protect Propel (no waiting period, PPO flexibility, $2,000 annual maximum). If you have had dental insurance with major restorative coverage for the past 12 months and there has been no gap of more than 63 days, you can request a waiting period waiver at enrollment on the PPO plans — this eliminates the wait regardless of plan tier. Implant and orthodontic waiting periods cannot be waived on any plan.
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What is the AARP UnitedHealthcare dental plan vs. the AARP Delta Dental plan? UHC dental = bundled inside Medicare Advantage plans (varies by plan/state/year) · Delta Dental = standalone dental insurance bought separately · UHC dental benefits changed significantly in 2026 (reduced in some states) · Delta Dental = predictable, separate, stable year to yearThese are fundamentally different products. AARP Medicare Advantage plans through UnitedHealthcare may include dental benefits as part of the plan package — but in 2026, UHC reduced or eliminated comprehensive dental treatment coverage on some plans in certain states, including Massachusetts, leaving members with only preventive cleanings and exams. Medicare Advantage dental benefits also change year to year — what was covered last year is not guaranteed this year. AARP Delta Dental standalone plans are separate dental insurance policies that are independent of your Medicare choices and remain consistent from year to year (though benefits can change at renewal). If you want stable, predictable dental coverage that doesn’t depend on your Medicare Advantage plan’s decisions each fall, a separate AARP Delta Dental plan provides that stability. If you prefer the convenience of bundled coverage in one plan and your Medicare Advantage plan covers the dental work you need, that’s a legitimate option — but verify the specific dental benefits for your state before assuming comprehensive coverage is included.
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Do AARP dental plans cover dentures for seniors? Yes — all AARP Delta Dental plan tiers include denture coverage · DeltaCare HMO: fixed copay ~$495 per complete denture, no waiting period · PPO plans: 50% covered after 12-month waiting period (or 9 months on Plus tier) · Implant-supported dentures: covered on Premium tiers onlyDentures are classified as “major services” under all AARP Delta Dental plans. The DeltaCare HMO covers complete dentures with a fixed copay of approximately $495 with no waiting period — meaning you could get dentures covered from the first month of enrollment. Compared to the out-of-pocket cost of dentures without insurance ($1,500–$3,500 per set), even the HMO’s fixed copay represents significant savings. On PPO plans, dentures are covered at 50% after the waiting period (12 months on Protect Basic, 9 months on Protect Plus). With the PPO Protect Propel plan’s no-waiting-period option, PPO members can also access immediate 50% denture coverage. Implant-supported dentures — which anchor dentures using dental implants rather than adhesive — are available on premium PPO tiers but not on the basic PPO or DeltaCare HMO. If dentures are an immediate need, the DeltaCare HMO is the most financially sound choice assuming your dentist is in the HMO network.
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Can my spouse use my AARP dental plan? Yes — AARP Delta Dental plans extend coverage to spouses and dependents under age 26 (including grandchildren and stepchildren) · Spouse does not need to be an AARP member · Family plan premiums are higher but often significantly cheaper than two separate individual plansAARP Delta Dental plans include family coverage options that extend to spouses and dependents under age 26 — including stepchildren and grandchildren. Your spouse does not need to hold their own AARP membership to be covered under a family plan. Family plan premiums are higher than individual premiums, but covering two people on one plan is almost always cheaper than purchasing two separate individual plans. When evaluating a family plan, get quotes for both the family plan rate and two individual plan rates to confirm the savings. Note that all family members covered under the plan are subject to the same waiting period schedule — if the primary enrollee waived waiting periods due to prior coverage, family members added to the plan who don’t have their own qualifying prior coverage history may still face waiting periods on their claims. Confirm with Delta Dental during enrollment how prior coverage waivers apply to family members.
💰 AARP Delta Dental Plans — Side-by-Side for Seniors
All plans require AARP membership ($16/year) and are administered by Delta Dental Insurance Company. Prices vary by state and age — always get your personalized quote at deltadentalins.com/aarp. Waiting periods may be waived with qualifying prior coverage.
| Plan | Est. Monthly Cost | Annual Max | Waiting Period | Best For |
|---|---|---|---|---|
| DeltaCare HMO No Wait · No Cap | ~$16.95–$32.72/moLowest-cost AARP plan · Annual payment option available | None — unlimited | No waiting periods — all services covered day one | Seniors needing crowns or dentures soon · Fixed-income budgeting · Anyone wanting zero annual limit |
| PPO Protect (Basic) 12-Mo Wait | ~$24.95–$35/mo$90 deductible · Waived for preventive care | $1,000/year | 12 months for major services (crowns, dentures, root canals) | Seniors with good dental health who mainly need cleanings and won’t need major work in the next year |
| PPO Protect Propel No Wait · PPO | Mid-tier pricingVaries by state — get exact quote at deltadentalins.com/aarp | $2,000/year | No waiting period for any service | Seniors wanting PPO flexibility (any dentist) AND immediate major work coverage — strongest all-around PPO option |
| PPO Protect Plus 9-Mo Wait | ~$44.44–$52.24/moHigher-tier PPO · $40 deductible (waived for preventive) | $2,000/year | 9 months for major services (shorter than Basic) | Seniors whose major procedures are 9+ months away · Want higher annual max than Basic · Keep existing dentist |
| AARP UHC Medicare Advantage Dental Bundled in MA Plan | Included in MA planDental depth varies — verify your state’s plan for 2026 coverage details | Varies by plan (may be reduced in 2026) | Typically no waiting period on MA plans | Seniors already in AARP UHC Medicare Advantage who want to understand what dental is actually included — read plan documents carefully |
| UHC Dental Discount Program New Jan 2026 | Free for Medigap membersDiscount card only — not insurance · No claims, no reimbursement · Pay dentist directly at discounted rate | N/A — not insurance | N/A | AARP Medigap Plan G/N members who want some dental savings without buying a separate plan — does not substitute for dental insurance |
⚠️ The One Thing That Changes Everything — Check Your Dentist First
Before enrolling in the DeltaCare HMO (which requires choosing a primary dentist from the HMO network), confirm your current dentist participates in the DeltaCare HMO network — not just the Delta Dental PPO network. They are separate networks. If your dentist is PPO but not HMO, you would need to switch dentists under the HMO or choose a PPO plan instead. Check both networks at deltadentalins.com → Find a Dentist before making any enrollment decision.
📊 Who Should Choose Which AARP Dental Path?
🏆 Best Value Overall
DeltaCare HMO
~$16.95–$32.72/mo · No wait · No deductible · No annual max · Fixed copays for all procedures · Requires HMO network dentist · Must verify your dentist is in the HMO network
🔓 Best PPO Flexibility
PPO Protect Propel
No waiting period · $2,000 annual max · See any Delta PPO dentist · Best choice if your dentist isn’t in the HMO network and you need immediate major coverage
📅 Major Work 9+ Months Out
PPO Protect Plus
~$44–$52/mo · 9-month wait for major (shorter than Basic) · $2,000 annual max · $40 deductible (waived for preventive) · Good for seniors with known upcoming procedures they can plan around
💰 Budget — Just Cleanings
PPO Protect Basic
~$24.95–$35/mo · 12-month wait for major · $1,000 annual max · Good for seniors with healthy teeth who mainly need preventive care and have no procedures planned soon
🏥 Medicare Advantage Dental
Verify Before Trusting
UHC AARP MA plans may include dental — but 2026 changes reduced benefits in some states. Read your plan’s Evidence of Coverage for dental before relying on it. Benefits change annually.
⚠️ Medigap Plan G Dental
Not Dental Insurance
Plan G does NOT include dental coverage. New UHC Dental Discount Program = savings card only, not insurance. Medigap + separate Delta Dental plan = proper dental protection for Plan G members.
🔍 The Questions Seniors Actually Ask About AARP Dental
I’m on Medicare and just retired — should I choose the AARP Delta Dental plan or add dental through Medicare Advantage?
RETIREMENT · DENTAL PATH CHOICE
The answer hinges on two factors: how much dental work you anticipate, and how stable you need your dental benefits to be from year to year. Medicare Advantage dental benefits — including UHC AARP MA plans — can and do change annually. The 2026 experience in Massachusetts and other states, where UHC dropped the $1,000 treatment benefit entirely, illustrates how dependent MA dental coverage is on the insurer’s annual plan filing decisions. You have no recourse except switching Medicare Advantage plans during AEP if your dental benefit shrinks. AARP Delta Dental plans, by contrast, are standalone dental insurance that you own separately — they don’t change based on your Medicare Advantage insurer’s decisions. For seniors who rely on dental coverage and want predictability, a separate AARP Delta Dental plan bought through deltadentalins.com/aarp provides that stability regardless of what happens to Medicare Advantage dental benefits each fall. For seniors who are relatively healthy dentally and want the simplicity of one plan, a Medicare Advantage plan with strong dental is convenient — just verify the coverage in the plan’s actual Evidence of Coverage document, not the marketing summary, and check it again each September when the Annual Notice of Change arrives.
🛡️ Stability: AARP Delta Dental doesn’t change with MA plan decisions
⚠️ MA dental: verify EOC for actual dental benefits — not the marketing flyer
📅 Check annually: MA dental benefits can shrink each year at AEP
🦷 Need major work? Standalone Delta Dental = more reliable coverage
I need dentures or a crown this year — which AARP dental plan should I enroll in right now?
IMMEDIATE MAJOR WORK · URGENT
If you need a crown, denture, root canal, or bridge in the next 12 months, your only options that will actually pay toward that work are the DeltaCare HMO and the PPO Protect Propel plan. Both have no waiting period for major services. The DeltaCare HMO covers a complete denture at a fixed copay of approximately $495 and a crown at a fixed copay of approximately $300–$450 depending on the tooth and procedure — from day one of coverage. The catch: you must use an HMO network dentist and choose a primary care dentist at enrollment. If your current dentist is in the DeltaCare HMO network, this is likely the most affordable immediate option. If your current dentist is not in the HMO network, the PPO Protect Propel plan covers major work (at 50%) from day one with the flexibility to see any Delta Dental PPO network dentist — a much larger pool. Before enrolling in either plan, check whether your dentist is in the DeltaCare HMO network specifically (not just Delta Dental PPO). The HMO and PPO networks are different at deltadentalins.com → Find a Dentist.
⚡ Immediate major coverage: DeltaCare HMO or PPO Protect Propel only
💰 HMO for crown: ~$300–$450 fixed copay · no waiting · requires HMO network dentist
🔍 HMO dentist check: deltadentalins.com → Find a Dentist → DeltaCare USA network
🔓 Not in HMO network: Propel PPO = no wait + 50% coverage at any PPO dentist
Does AARP Delta Dental cover implants?
IMPLANTS · COVERAGE DETAILS
Implant coverage under AARP Delta Dental plans depends entirely on which tier you choose — and the basic plans don’t include it at all. The DeltaCare HMO and basic PPO Protect plan do not cover dental implants. Higher-tier PPO plans — including PPO Protect Plus on some plan structures — include implant coverage at 50% after the applicable waiting period. The PPO Protect Propel plan may include implant coverage depending on your state’s specific plan document. A single dental implant plus crown costs $3,000–$5,000 without insurance, making even 50% coverage worth $1,500–$2,500 per implant. Before enrolling in any plan expecting implant coverage, download or request the specific plan’s Schedule of Benefits and look for “implants” in the list of covered services — don’t assume. If implant coverage is a specific priority and your state’s AARP PPO plans don’t include it, Spirit Dental offers standalone implant coverage as an alternative. When comparing plans that include implants, also check whether implant waiting periods can be waived through prior coverage history — typically they cannot on AARP Delta Dental plans.
❌ DeltaCare HMO + PPO Protect Basic: implants NOT covered
✅ Some higher PPO tiers: implants covered at 50% after waiting period
📋 Verify before enrolling: request the Schedule of Benefits and look for “implants”
💡 Alternative for implants: Spirit Dental — dedicated implant coverage with waiting period
What does the AARP dental and vision plan combination look like — is there one?
DENTAL + VISION · COMBINATION
AARP does not offer a single bundled dental-and-vision standalone insurance plan the way Cigna does with its Dental + Vision + Hearing bundle. The AARP dental coverage (Delta Dental) and AARP vision coverage are separate products from separate partners. For vision, AARP members have access to the AARP Vision program with discounts through partner providers, and UnitedHealthcare Medigap members receive an eyewear discount (up to $250–$300 off a complete pair of glasses at participating retailers through the end of the plan year). Medicare Advantage plans through UHC/AARP typically include a vision benefit — usually an annual exam plus an allowance for frames or contact lenses. If you want bundled dental and vision in one plan and one monthly payment, the options available to AARP members are through Medicare Advantage plans (which vary significantly by state and plan) rather than through standalone insurance. For the most comprehensive standalone dental-and-vision combination, Cigna’s bundle plans ($39–$79/month) or a Humana dental-vision plan are alternatives worth comparing against enrolling in two separate AARP products.
👓 AARP vision: discount program + UHC Medigap eyewear discount ($250–$300 off)
🏥 MA vision: annual exam + frame allowance bundled in most UHC AARP MA plans
💡 Bundle alternative: Cigna Dental + Vision + Hearing ($39–$79/mo) vs two AARP products
📋 Compare: total cost of AARP dental + AARP vision separately vs one bundle plan
How do I enroll in the AARP dental plan — do I need to wait for an open enrollment period?
HOW TO ENROLL · TIMING
AARP Delta Dental plans are available for enrollment year-round — there is no annual open enrollment window restriction, unlike marketplace health plans. You can visit deltadentalins.com/aarp, enter your ZIP code, review your state’s available plan options and pricing, and enroll the same day. Coverage typically starts on the first of the month following your enrollment. AARP membership must be active at the time of enrollment and renewed annually ($16/year) to maintain eligibility. If you are an existing AARP member, your membership number is all you need to access the AARP-specific pricing at Delta Dental’s website. For spouses or dependents you want to add to the plan, have their dates of birth and Social Security numbers available. One enrollment decision worth making carefully at signup: if you are within 63 days of losing prior dental coverage (from an employer plan or another insurer) and that prior plan covered major restorative services, request the waiting period waiver at the time of enrollment. This waiver is only available at initial enrollment — you cannot request it retroactively after the plan is active.
📅 Year-round enrollment — no open enrollment window restriction
🌐 Enroll: deltadentalins.com/aarp · Coverage starts 1st of following month
💳 AARP membership ($16/year) required before enrolling
⚠️ Waiver request: must be made at enrollment — not retroactively after coverage starts
Is AARP dental insurance worth it for seniors on a fixed income?
WORTH IT · FIXED INCOME MATH
For the vast majority of seniors, AARP Delta Dental insurance pays for itself — often with the first cleaning. Two professional cleanings per year cost $150–$300 each without insurance, or $300–$600 total annually. The DeltaCare HMO at $16.95–$32.72/month costs $203–$393 per year in premiums. Those two cleanings alone nearly cover a full year of premiums on the most affordable plan, and any fillings, extractions, or major work on top of that represents pure savings. The math gets even stronger with major work: a single crown at $1,400 with the HMO fixed copay of ~$430 saves approximately $970 on one procedure. For seniors on fixed incomes, the DeltaCare HMO’s combination of the lowest monthly premium, no deductible, and no annual maximum on covered services is specifically designed to be financially accessible. What the break-even analysis also must include: the alternative if you go without insurance. Delaying dental care due to cost is associated with significantly higher total dental costs over time — a small filling left untreated becomes a crown, which ignored becomes an extraction, which untreated leads to bone loss and expensive implants or dentures. Prevention-focused coverage that incentivizes regular cleanings is among the highest-return health investments available to fixed-income seniors.
💰 2 cleanings/year: $300–$600 out-of-pocket vs. $203–$393 in AARP HMO premiums
🦷 Crown example: $1,400 cost → ~$430 HMO copay → ~$970 saved
📈 Delayed care = higher long-term costs — insurance incentivizes prevention
💡 Fixed income: DeltaCare HMO — lowest premium + no deductible + no annual cap
📍 Find Dentists & Help Near You
Use the buttons below to find Delta Dental network dentists, affordable dental care, and dental schools near your location. Always call ahead to confirm network participation before your first appointment.
🔑 Quick Reference — AARP Dental Key Links
🦷 AARP Delta Dental quote: deltadentalins.com/aarp
💳 AARP membership: aarp.org/membership ($16/year · required for AARP Delta plans)
🔍 Find a dentist: deltadentalins.com → Find a Dentist
🏥 AARP UHC Medicare plans: aarpmedicareplans.com
👓 AARP vision program: aarp.org/membership/benefits/insurance/vision
💊 UHC Medigap Dental Discount (new 2026): uhcdental.com
🏛️ Low-cost dental (FQHC): findahealthcenter.hrsa.gov
📞 AARP member services: 1-888-687-2277
✅ 5-Step Checklist Before Enrolling in an AARP Dental Plan
- Step 1: Check whether your current dentist is in the DeltaCare HMO network (separate from PPO network) at deltadentalins.com → Find a Dentist → DeltaCare USA. If yes, the HMO is typically the best value. If no, a PPO plan gives you access to a larger network.
- Step 2: Decide if you need major work (crown, denture, root canal) in the next 12 months. If yes, only the DeltaCare HMO and PPO Protect Propel have no waiting periods. All other PPO plans impose 9–12 month waits for major services.
- Step 3: If you have had dental insurance with major restorative coverage in the past 12 months and there has been no gap over 63 days, request a waiting period waiver at enrollment. This is only possible at initial enrollment — not after coverage starts.
- Step 4: If you are an AARP UHC Medicare Advantage member, read your plan’s Evidence of Coverage document for dental — not the marketing brochure. After 2026 plan changes in some states reduced dental benefits significantly, verifying actual coverage in writing is essential.
- Step 5: If you are on AARP Medigap Plan G or Plan N and want dental coverage, buy a separate AARP Delta Dental plan — the new UHC Dental Discount Program is a savings card, not insurance, and will not cover crowns, root canals, or dentures.
AARP Dental Insurance Plan is administered by Delta Dental Insurance Company and is underwritten by Delta Dental member companies. AARP membership is required and costs $16/year. Plan pricing, availability, waiting periods, and covered services vary by state. Prices shown are illustrative ranges — always get a personalized quote at deltadentalins.com/aarp. UnitedHealthcare AARP Medicare Advantage dental benefits vary by plan, state, and year — verify current coverage in the plan’s Evidence of Coverage document. UHC Dental Discount Program for Medigap members is a savings program, not insurance, and was launched January 2026. This page has no affiliation with AARP, Delta Dental, UnitedHealthcare, or any other carrier or organization mentioned. This content is for informational purposes only. Always verify current plan details directly with the carrier before enrolling.