There is no single product called “Delta Dental for seniors.” There are three different doors into Delta Dental coverage, and the plan behind each one behaves very differently when you actually need a crown, a denture, or a tooth pulled. This guide walks through all three, with the waiting periods, caps, copays and network rules that rarely make it into the brochure.
Most people find out Medicare skips the dentist the hard way: a cracked tooth, an estimate with a comma in it, and a front-desk employee who says the word “insurance” in a tone that suggests it won’t help. Delta Dental is the first name many retirees reach for, since it is the largest dental benefits company in the country. But the name on the card tells you very little. What matters is which Delta Dental product you bought, which state’s company underwrites it, and how many months you have been enrolled.
We built this guide around the situations that actually cost seniors money, not around a generic list of features. Every plan figure below was checked against Delta Dental’s own AARP program pages, Medicare.gov, and KFF’s research on Medicare dental coverage.
Key Answers Before You Buy Anything
Almost never for routine care. Medicare.gov says cleanings, fillings, extractions, dentures and implants are generally on you. The narrow exceptions are dental services tied to a covered medical event, like a heart valve replacement, an organ transplant or chemotherapy.
One of three things: an AARP-endorsed plan administered by Delta Dental (you must join AARP), an individual plan sold by your state’s Delta Dental company, or dental benefits that Delta Dental runs inside a partner Medicare Advantage plan. Each has its own rules, so check which door you came through.
Within the AARP lineup, PPO Protect Propel and DeltaCare USA Essential. Propel pays only a small slice of major work in the first year, and DeltaCare limits you to an assigned dentist. Neither is a free lunch, but both let you start treatment immediately.
Timing. PPO Protect makes you wait 12 months for crowns, root canals and dentures, and Protect Plus makes you wait 9. If you enroll on Monday and break a molar on Friday, you pay the full fee. Waiting periods apply to the work seniors most often need.
Starting prices on the AARP page run $27.80 (DeltaCare USA Essential) to $52.24 (Protect Plus) for one enrollee, but those anchor prices come from specific states. Your ZIP code, age and number of people covered change the quote, so run the official quote before comparing.
With a Delta Dental PPO plan, you can see any licensed dentist but pay less in network. DeltaCare USA locks you to an assigned office, and Medicare Advantage dental benefits usually require the dentist to be in that plan’s specific dental network. Ask the dental office, not just the insurer.
A standalone dental plan is separate from Medicare’s calendar, so you choose a start date when you request a quote. Changing a Medicare Advantage plan is different: that happens October 15 to December 7, with a second window January 1 to March 31 for people already in Medicare Advantage.
On the AARP plans, yes, with a catch. Delta Dental promises a full refund within the first 30 days, but only if you haven’t used any benefits. Filing any claim likely counts as using a benefit, so hold off on appointments until you’ve decided.
The Three Doors Into Delta Dental Coverage
Delta Dental is really a federation of independent, state-based companies that share a brand and a national network. That structure explains why a neighbor in Ohio and a friend in Florida can describe “their Delta Dental” in completely different terms.
This is the closest thing to a purpose-built senior product. You have to be an AARP member (open to anyone 50 or older), and then you pick from four plans: three PPO versions and one DeltaCare USA plan. The insurer behind the card changes by state. It is Delta Dental Insurance Company in places like Florida, Texas, Georgia and Pennsylvania, and Dentegra Insurance Company in places like California, Ohio, Michigan and Illinois, with DeltaCare USA underwritten by yet another set of Delta Dental affiliates. Same menu, different kitchen.
Some state companies sell their own individual plans to anyone, with no AARP card involved. These vary wildly. In our side-by-side review, one individual premium plan we read had a $2,500 annual maximum and a lifetime deductible of $100, with rates starting around $61.62 a month and a six-month wait on crowns and root canals. Another state’s individual premium PPO listed a $2,000 maximum, a $50 deductible, 80% coverage on basic work and 50% on major work, with 6- and 12-month waits. Neither number is wrong. They are different products.
One useful pattern we found across these state plans: waiting periods can sometimes be waived if you had qualifying dental coverage right before enrolling. One state company’s rule, for example, requires that your prior comparable Delta Dental coverage ended no more than 60 days earlier. If you’re leaving employer coverage, that clock matters more than the premium.
Here Delta Dental isn’t something you buy. It’s the company a Medicare Advantage insurer hired to run its dental benefit. Delta Dental has announced partnerships with plans such as SummaCare in Ohio and Clear Spring Health, and began serving a Molina dual-eligible special needs plan on January 1, 2026. Your member card shows the Medicare plan’s name, not Delta Dental’s, which is why dental offices sometimes ask “who is your dental carrier?” and get a blank look.
The practical consequence: the benefit design (annual cap, copays, which dentists count) belongs to the Medicare plan. Delta Dental simply administers it. If you want a different dental benefit, you change the Medicare plan, not the dental company.
The AARP-Endorsed Plans, One by One
Prices shown are the “starting at” figures from the official AARP-Delta Dental plan page for a single enrollee in the states the page footnotes (Nevada, Ohio and Washington for Protect Plus and Protect; Ohio for Propel; New York for DeltaCare). Treat them as anchors, not quotes.
- Exams, cleanings, x-rays at 20% coinsurance
- Fillings 20% · extractions 50%
- Crowns, root canals, dentures 50%
- TMJ treatment covered
- Implants not covered
- Exams, cleanings, x-rays at 0%
- Fillings 20% · extractions 50%, no wait
- Gum cleanings 20% · denture repair 20%
- Implants, whitening, veneers, TMJ listed
- No orthodontics
- Exams, cleanings, x-rays at 0% every year
- No waiting periods at all
- Dentures, implants, root canals included
- Orthodontics from year three
- Benefits restart at year 1 if you drop and re-enroll
- Flat copay for each service
- No waiting periods, including crowns
- Adult orthodontics, about $2,100
- Dentures and implants have set prices
- Must use an assigned dentist
When we laid the four plan columns from the AARP page next to each other, one detail jumped out that a quick skim misses: the cheapest PPO, Protect, charges you 20% on exams, cleanings and x-rays. The deductible is waived for them, which makes the plan sound like “free preventive,” but it isn’t. Protect Plus and Propel both list preventive care at 0%. If your main goal is two cleanings a year plus a safety net, the $12 to $20 monthly gap between Protect and the richer plans can be partly offset by what you stop paying at the front desk.
DeltaCare USA is available in AZ, CA, CO, DC, FL, GA, IL, KY, MD, MI, MO, NM, NV, NY, OH, PA, TN, TX and WV. In California, the AARP page notes that waiting periods were eliminated on all plans as of January 1, 2025, which changes the math there entirely. Check whether your state has similar rules before assuming a 9- or 12-month wait applies.
The plans side by side
| Plan | Starts at (one person) | Deductible | Annual maximum | Wait for major work | Dentist rule | Fits best when |
|---|---|---|---|---|---|---|
| PPO Protect | $32.16/mo | $90 (waived for exams, cleanings, x-rays) | $1,000 | 12 months | Any licensed dentist; savings in network | Tight budget, no major work expected soon |
| PPO Protect Plus | $52.24/mo | $40 (waived for exams, cleanings, x-rays) | $2,000 | 9 months | Any licensed dentist; savings in network | You can wait nine months and want a higher cap |
| PPO Protect Propel | $44.44/mo | $75 (waived for exams, cleanings, x-rays) | $1,000, $1,250, $1,500, then $3,000 | None | Any licensed dentist; savings in network | Healthy teeth, willing to stay four years |
| DeltaCare USA Essential | $27.80/mo | None | None | None | Assigned dentist; specialist referral required | Need work now; want predictable copays |
The Waiting-Period Trap, Drawn Out
Seniors rarely buy dental coverage for a cleaning. They buy it for the thing that’s about to go wrong, which is exactly what a waiting period is designed to exclude.
Here is what that looks like in a normal week. You enroll in Protect Plus on a Monday. Nine months later you are fully covered for crowns, root canals, dentures, implants, and the other listed major services. If the molar cracks in month four, the dentist’s full fee is yours, because you were paying premiums for a benefit that had not started. That is not a trick. It is how nearly every individual dental plan prevents people from buying coverage the day before surgery.
Two services dodge the wait on Protect Plus and Protect, and they matter. Fillings (20%) and tooth removal (50%) are listed with no waiting period, so a painful extraction in month two is partly covered, even though the crown that would have saved the tooth would not be. That schedule can nudge the decision toward pulling a tooth instead of restoring it during the first year, which is worth raising openly with your dentist before you choose.
If a dentist has already told you a crown, denture or implant is coming within a year, count backward. A 12-month waiting period means the plan pays for nothing major until a full year from now. A 9-month period shaves three months. A no-wait plan lets you start, but check what percentage it actually pays during the first year before you assume “no waiting” means “covered.”
Propel: The Plan With No Waiting Period and a Four-Year Slope
Propel is the most unusual plan in the lineup, and the one most likely to be misread. It trades waiting periods for a benefit that grows with your tenure.
Read the percentages carefully, because they are what you pay, not what the plan pays. In year one, Propel covers 10% of a crown or denture. By year four, it covers half. The annual maximum climbing to $3,000 is real, but in year one a $1,000 cap on a plan that only reimburses 10% of major work will rarely be the limiting factor. The cap and the coinsurance together tell the real story.
Propel also has a clause that most comparison articles skip. If you cancel Propel and later re-enroll, the AARP page says your benefits start over at year-one levels. So the plan quietly rewards continuity and punishes a lapse, whether the lapse comes from a missed payment, a move, or a switch to Medicare Advantage and back. Someone who expects to change coverage in the next two years should treat Propel’s year-three and year-four benefits as hypothetical.
What a $1,200 crown costs you under each plan
To show how these rules interact, we ran one illustrative case. The $1,200 fee is our assumption, not a quote; real fees vary a lot by region and by whether the dentist is in network. The math follows the plan terms on the AARP page: deductible first, then your coinsurance share, assuming it is your first treatment of the year and you are past any waiting period.
The surprise is the gap between the two choices that look similar on paper. Propel and Protect Plus both let you pay about the same in the long run, around $620 to $640, but Propel gets there in year four and Plus gets there in month nine. In the first year, Propel leaves you with nearly the full bill, while DeltaCare charges a flat copay that is a fraction of either. None of this makes DeltaCare “the best.” It makes it the best for someone who already needs the crown and does not mind choosing from a limited set of dentists.
What You Pay for the Work Seniors Actually Need
Percentages are what you pay after the deductible; DeltaCare shows copay ranges set by the plan’s fee schedule. “No wait” means no waiting period for that service.
| Service | Protect Plus | Propel (year 1 → year 4+) | Protect | DeltaCare USA Essential |
|---|---|---|---|---|
| Exams, x-rays | 0% · no wait | 0% · no wait | 20% · no wait | $0 |
| Cleanings | 0% · no wait | 0% · no wait | 20% · no wait | $5 |
| Fillings | 20% · no wait | 60% → 40% | 20% · no wait | $8–$95 |
| Gum cleanings | 20% · no wait | 60% → 40% | 50% · no wait | $45 |
| Tooth removal | 50% · no wait | 90% → 50% | 50% · no wait | $10–$140 |
| Denture repair | 20% · no wait | 90% → 50% | 50% · no wait | $55 |
| Root canal | 50% · 9 months | 90% → 50% | 50% · 12 months | $125–$365 |
| Crown | 50% · 9 months | 90% → 50% | 50% · 12 months | $235–$395 |
| Complete denture | 50% · 9 months | 90% → 50% | 50% · 12 months | $365–$385 |
| Implant | 50% · 9 months | 90% → 50% | Not covered | $1,005 (not in NM) |
| Orthodontics | Not covered | 100% years 1–2, 50% after (separate deductible and lifetime maximum) | Not covered | About $2,100 per adult |
Two patterns stand out from this table. First, if you already wear dentures, the plan that handles repairs best is Protect Plus (20%, no wait) or DeltaCare ($55 flat). Propel’s year-one share of 90% on denture repair makes it a poor fit for someone whose denture cracked last week. Second, if you have gum disease, which figures cited on Delta Dental’s own senior page put at 68% of people on Medicare, the gum-cleaning row matters more than the crown row. Protect Plus covers deep gum cleanings at 20% from day one, while Protect charges 50%.
What Medicare Will and Won’t Pay For
Before paying for a dental plan, it helps to know where Medicare’s line sits, because the exceptions are real and many seniors never hear about them.
Medicare.gov is blunt about this. In most cases, Medicare does not cover routine cleanings, fillings, tooth extractions, or items like dentures and implants. For 2026, the standard Part B premium is $202.90 a month, and none of it buys you a cleaning. The premium you already pay for Medicare is a medical premium.
The gap shows up in the research. KFF has found that nearly half of people on Medicare had no dental visit in a given year, and among those who did use dental services, about one in five spent more than $1,000 out of pocket in the data KFF analyzed. Delta Dental’s own senior page, citing KFF, puts the share of Medicare adults without dental coverage as high as 47%.
Medicare may pay for dental services when they are linked to the success of a covered medical treatment. The examples Medicare.gov lists include an oral exam and dental treatment before a heart valve replacement, or before a bone marrow, organ or kidney transplant. It may also cover a tooth extraction to clear a mouth infection before cancer treatment like chemotherapy, treatment for complications during head and neck cancer care, and dental exams and infection treatment before and during dialysis for end-stage renal disease.
Medicare may also cover certain dental services if you are admitted as a hospital inpatient for your dental procedure because of an underlying condition or the severity of the procedure. For Part B-covered dental services, you generally pay 20% of the Medicare-approved amount after the Part B deductible. For a Part A hospital stay in 2026, the deductible is $1,736 per benefit period.
The takeaway: if a surgeon or oncologist says your teeth need attention first, ask them to document that the dental work is required for your treatment. That conversation can change who pays.
Where dental coverage can come from, compared
| Source | Typical monthly cost | Waiting periods | Annual dollar cap | Dentist choice | Works best for |
|---|---|---|---|---|---|
| Original Medicare alone | Part B premium $202.90 (medical) | Not applicable | Not applicable | Medicare-participating providers | Only dental tied to a covered medical event |
| Medicare Advantage with dental | Average supplemental premium $15; 75% of drug-plan enrollees pay none beyond Part B | Varies by plan | Common; KFF’s older data averaged about $1,300 | Plan dental network | People already comfortable with an MA network |
| AARP-endorsed Delta Dental plan | From $27.80 to $52.24 (one person, anchor states) | 0, 9 or 12 months by plan | $1,000–$2,000, or none on DeltaCare | Any dentist (PPO) or assigned (DeltaCare) | Original Medicare enrollees wanting separate dental |
| State Delta Dental individual plan | Example: from $61.62 for one premium plan | Often 6 months basic, 12 months major; sometimes waived | Example: $2,500 per person | PPO and Premier networks | People with recent prior dental coverage |
| Dental discount plan (Delta Dental Patient Direct where offered) | Annual membership fee; varies by state | None | None, but it is not insurance | Participating dentists only | Large expected bills and little insurance value |
A note on Medigap: Medicare Supplement policies exist to fill Medicare’s cost-sharing gaps on services Medicare already covers. Because Medicare doesn’t cover routine dental, Medigap generally doesn’t either, so don’t assume a Medigap policy solves the dentist problem. Confirm in writing before relying on any dental perk attached to one.
When Delta Dental Comes Inside a Medicare Advantage Plan
This is the version most seniors meet without knowing it, and the one with the most hidden friction.
KFF’s analysis of 2026 plan data finds that 98% of enrollees in individual Medicare Advantage plans are in plans that offer some dental benefit, and the scope varies from preventive-only to crowns and dentures. The same report notes that many plans cap what they pay per year, some require you to use a specific dental network, and, for a majority of enrollees in plans offering dental, preventive dental services can require prior authorization. Older KFF data put the average annual dental cap at about $1,300, with more than half of enrollees with extensive coverage in plans capped at $1,000 or less. Those older figures are not today’s exact averages, but they show the shape: a Medicare Advantage dental benefit is usually generous at the cleaning level and thin at the crown-and-denture level.
Delta Dental’s own materials for dentists make this point explicitly: services for Medicare Advantage patients are covered only if the dentist participates in Delta Dental’s Medicare Advantage network. A dentist can be a long-time Delta Dental PPO provider and still be outside the Medicare Advantage network. One plan we reviewed, SummaCare, states in plain language that services from dentists who do not participate in the relevant Medicare Advantage dental networks are not covered benefits.
So when you call a dental office, don’t ask “Do you take Delta Dental?” Ask, “Are you in the Delta Dental Medicare Advantage network for my specific plan, and can you submit a pre-treatment estimate?” Delta Dental encourages dentists to submit pre-treatment estimates so patients understand coverage and costs up front, which is a request you are entitled to make.
Delta Dental’s provider pages note that a few Medicare Advantage partners, including Champion Health Plan and, on the HMO side, Kern Health Plan, Elite Health Plan and UCLA Health Medicare Advantage Plan, are managed by SKYGEN, a benefits administrator, with a different claims process than other Delta Dental groups. If your card says Delta Dental but your dentist’s claim goes through another company, that is why. The practical advice is the same: bring the Medicare plan card, not just a dental card, and let the office check eligibility with the plan ID.
A Medicare Advantage plan with dental is not “free dental.” The same plan typically narrows your physician network (KFF finds enrollees have access to about half of the physicians available in traditional Medicare, on average), imposes prior authorization on expensive services, and carries an in-network out-of-pocket maximum that averaged $5,421 in 2026. In exchange, 75% of drug-plan enrollees pay no premium beyond Part B, and the dental benefit is bundled in. For a healthy person with a good local network, that can be a bargain. For someone with a complex medical history who sees specialists outside an HMO, the dental perk shouldn’t be what decides the matter.
The alternative, Original Medicare plus a separate dental plan, runs about $334 to $627 a year in premiums on the AARP plans’ anchor prices. That is a real cost, but it buys freedom to keep every medical provider that takes Medicare. Neither path is correct for everyone. The honest question is which restriction you can live with.
Pick the Situation That Sounds Like Yours
Generic advice about “comparing plans” doesn’t help someone with a loose denture and a fixed income. These are the specific spots where we found the plan rules change the right answer.
This is the situation waiting periods punish hardest. Protect (12 months) and Protect Plus (9 months) will not pay for major work in your timeframe. Your realistic options are DeltaCare USA Essential, where a crown runs $235 to $395 and a complete denture $365 to $385 per the plan’s copay schedule with no wait, or Propel, which has no wait but pays only about 10% of major work in year one. If a state Delta Dental individual plan is available to you and you had dental coverage within the last couple of months, ask whether the waiting period can be waived. Do not enroll in a PPO plan with a long wait and assume the clock will not matter.
You are in the largest group of uncovered seniors, and the cleanest solution is a standalone plan. If you are 50 or older, the AARP plans give you a menu: DeltaCare for fixed copays, or one of three PPOs. Delta Dental of Washington, in its own guidance for retirees, notes that standalone dental can be added at any time of year if your Medicare plan lacks dental benefits, so you don’t have to wait for Medicare’s fall enrollment window. The AARP quote tool lets you pick a start date. Start by getting the official quote for your ZIP code, because the “starting at” prices vary meaningfully by state.
Check three things in your Evidence of Coverage: the annual dental dollar limit, whether preventive and comprehensive services share that limit, and which dental network applies. If your dentist is outside the plan’s network, the benefit may not apply at all. If the cap runs out, ask the office whether non-urgent treatment can be staged across two benefit years, but never delay treatment for an infection or severe pain to chase a reset date. When you can, ask the dentist to submit a pre-treatment estimate before starting expensive work.
Medicare’s open enrollment runs October 15 through December 7, with changes effective January 1. Read the plan’s dental section before you read the headline. Look for a dollar cap (often $1,000 to $2,000), which services are included beyond cleanings, and whether your own dentist is in the network. Then compare the full picture, including your doctors and prescriptions, against staying in Original Medicare and buying dental separately. If you’re already in Medicare Advantage and regret your plan, a second window runs January 1 through March 31 to switch plans or return to Original Medicare.
Do not buy a dental plan with a waiting period to solve this. Medicare may cover dental exams and treatment that are directly tied to these treatments, such as clearing an infection before chemotherapy or evaluating your mouth before a heart valve replacement. Ask your surgical or oncology team to request the dental evaluation as part of your care plan, and confirm with 1-800-MEDICARE or the hospital’s billing office what is covered. Part B services of this kind generally carry the usual 20% coinsurance after the deductible.
DeltaCare USA is the weak spot here. If you are away from your chosen primary care dental office and cannot return, the AARP plan pages say you are covered only for emergency treatment. PPO plans work better for travelers because you can visit any licensed dentist and use the national network. Also check that the plan is sold in both states: DeltaCare USA is offered in only some states, and plan details differ by state. If you move and drop a plan, remember Propel’s benefit ladder restarts at year one when you re-enroll.
Run the break-even. DeltaCare’s anchor price works out to about $334 a year, Propel about $533, Protect Plus about $627. If you only need two cleanings and an exam, a plan with 0% preventive coverage may roughly pay for itself, but a plan that charges 20% on preventive may not. Also check whether you qualify for Medicaid dental benefits, which vary by state, or a dual-eligible special needs plan (Delta Dental began serving a Molina plan of this type in 2026). Dental school clinics and community health centers are also worth a phone call, since they often charge reduced fees.
KFF’s state-by-state review of Medicaid dental coverage for people eligible for both programs found large differences, including annual limits that ranged from about $750 in one state to $2,500 in another. Call your state Medicaid office rather than assuming.
Continuity is worth money. One Delta Dental member company’s retiree program, which we read, waives waiting periods if you enroll when first eligible, gives you a 90-day window after retirement or after COBRA or another qualifying plan ends, and applies a 12-month wait on major services to late entrants on its premium and standard plans. Another company’s individual plan waives its waiting period only if your earlier comparable Delta Dental coverage ended no more than 60 days before. The common lesson: a gap of a few months can cost you a year of major-work coverage, so line up the new plan before the old one ends.
Look at the denture-repair row, not the headline maximum. Protect Plus covers denture repair at 20% with no waiting period, DeltaCare charges a flat $55, Protect charges 50%, and Propel charges 90% in year one. For someone whose main need is keeping an existing denture working, the plan with the biggest annual cap is irrelevant. Frequency limits also matter: one Delta Dental group plan we read allows a replacement denture or bridge only once in 60 months, with conditions on the condition of the existing one.
Periodontal care is easy to overlook in plan comparisons. Protect Plus covers gum cleanings at 20% with no wait, Propel at 60% in year one, Protect at 50%, and DeltaCare at a flat $45. Gum disease is common in older adults, and untreated, it can lead to tooth loss, which is how a $45 problem turns into a $1,005 implant problem. If this is your issue, weigh that row heavily.
Questions Almost Nobody Asks the Sales Rep
On PPO plans, the annual maximum is the most the plan will pay in a benefit year, and covered services generally count toward it. Preventive care on some plans is designed to be light on the cap, but the plan documents decide, so read the “Certificate of Coverage” rather than the marketing page. The AARP page itself says to review the full coverage documents for limitations and exclusions.
It may be a calendar year or a 12-month period from your enrollment date. This matters for staging treatment. If you enroll in November and your benefit year is the calendar year, your maximum resets within weeks. Ask which applies before you plan around a reset.
On PPO plans, you can still go anywhere, but you will generally save more with a Delta Dental PPO dentist. Out-of-network dentists can bill above the plan’s allowed amount, leaving you with a balance. For emergency or urgent care when no network dentist is available, the AARP plan documents say you may see any licensed dentist.
Yes, and you should insist. Delta Dental encourages dentists to submit pre-treatment estimates for expensive work. This is the single most useful free step before a crown, bridge, denture or implant, because it replaces your guess with the plan’s actual calculation.
Not automatically. When we compared the AARP plans line by line, the cheapest premium came with a 20% bill for exams and cleanings and a 12-month wait on the work seniors tend to need. The plan that looks “expensive” per month can cost less per year if you use it. Multiply the monthly price by twelve, add the deductible, then subtract what you would save at the dentist you already plan to visit.
Contact Delta Dental and Your Next Steps
These numbers come straight from Delta Dental’s AARP contact page. Call the enrollment line before you pay for anything, and have your ZIP code and the names of any dentists you want to keep.
Plan details, starting prices and benefit percentages come from Delta Dental’s published AARP-endorsed plan information and the examples of individual and Medicare Advantage programs noted in the text. They vary by state, ZIP code, age, number of people covered and plan year, and may have changed since we reviewed them. The $1,200 crown example is an illustration with an assumed fee, not a quote. Medicare figures reflect published Medicare.gov and KFF information for the current plan year. Always confirm plan terms in the Certificate of Coverage or Evidence of Coverage before you enroll.
This page is independent educational information, not insurance, legal, financial or medical advice, and it is not affiliated with or endorsed by Delta Dental, AARP, Medicare or any insurer. A licensed insurance agent, your state health insurance assistance program, or Delta Dental can confirm what applies to you.
Key sources: Delta Dental AARP program pages (deltadentalins.com/aarp) · Medicare.gov · KFF Medicare Advantage and Medicare dental coverage research · Delta Dental provider materials on Medicare Advantage partners