Dental health plays a crucial role in overall well-being, especially as individuals age. However, many are surprised to learn that traditional Medicare does not cover routine dental services, such as cleanings, fillings, or dentures. For this reason, many seniors look for additional dental coverage to avoid unexpected out-of-pocket costs. In 2025, one of the more recognized options for supplemental dental insurance is through AARP, which partners with UnitedHealthcare to offer dental plans specifically designed for adults 50 and older. This guide provides an educational overview of how these plans work, what they cover, how much they typically cost, and what to consider when comparing dental options while on Medicare.
Why Medicare Doesn’t Include Dental Coverage
Original Medicare (Parts A and B) was not designed to include dental care outside of emergency or hospital-related procedures. This means that most routine dental needs—such as exams, cleanings, X-rays, crowns, and root canals—are not covered unless a separate dental policy is purchased or included in a Medicare Advantage plan.
“Dental coverage is one of the most overlooked gaps in Medicare,” says Tricia Neuman, Executive Director of the Medicare Policy Program at KFF. “Seniors are often unaware of how much they’ll need to budget for dental work.” [1]
Without coverage, routine care and emergency dental needs can lead to hundreds—or even thousands—of dollars in out-of-pocket expenses each year.
Understanding AARP Dental Insurance Options in 2025
AARP-endorsed dental insurance plans are administered through UnitedHealthcare and include two main plan types available in most states:
1. AARP Dental Insurance Plan A (Comprehensive Coverage)
- Covers preventive, basic, and major dental services
- Higher monthly premiums
- Lower deductibles and higher annual maximums
- Often includes crowns, root canals, and dentures
- May have a waiting period for major services
2. AARP Dental Insurance Plan B (Basic Coverage)
- Covers preventive and some basic services
- Lower monthly premiums
- May not include coverage for major procedures
- Typically has lower annual benefit caps
Both plans allow the use of a large national network of dentists and do not require enrollment in Medicare Advantage, making them compatible with Original Medicare.
Typical Costs of AARP Dental Plans in 2025
While premiums and coverage vary by location and plan type, these are average national estimates based on UnitedHealthcare data [2]:
Plan TypeAverage Monthly PremiumAnnual DeductibleAnnual Benefit MaximumPlan A (Comprehensive)$45–$65/month$50/personUp to $1,500/yearPlan B (Basic)$28–$45/month$100/personUp to $1,000/year
Preventive services such as cleanings, exams, and X-rays are often covered at 100%, while basic and major services may require coinsurance between 20% and 50%.
Common Mistakes Seniors Make When Choosing Dental Coverage
1. Assuming Medicare Covers Dental Needs
Many new retirees mistakenly assume Medicare includes dental services and delay signing up for supplemental coverage, only to face steep costs later.
2. Overlooking Waiting Periods
Some AARP dental plans have waiting periods for major services (up to 12 months). It’s important to plan early—before dental issues become urgent.
3. Not Checking Provider Networks
Some dentists may not participate in AARP dental networks. Before enrolling, it's a good idea to verify that preferred providers are in-network to avoid out-of-pocket costs.
4. Ignoring Annual Maximums
Each plan has an annual limit on how much it will pay toward dental care. Seniors with more extensive dental needs may hit these caps quickly.
Recent Trends in Dental Coverage for Older Adults
- According to the Centers for Medicare & Medicaid Services, nearly 49% of Medicare beneficiaries had no dental insurance in 2024 [3].
- Average out-of-pocket spending on dental care for those 65+ was over $900/year, with major work like bridges or implants exceeding $3,000 in some cases.
- Enrollment in AARP dental plans increased by 8% from 2023 to 2024, reflecting growing awareness and demand among older adults [4].
“The gap in dental coverage remains one of the most significant challenges for people aging into Medicare,” notes Karen Davis, health policy analyst and former CMS advisor. “Planning early and comparing supplemental dental options is essential.” [5]
Dental insurance is one of the most valuable—and most overlooked—pieces of retirement planning. AARP dental plans, offered through UnitedHealthcare, present accessible, familiar coverage options that work alongside Medicare. For seniors looking to manage both routine care and unexpected dental needs, understanding the available plans, their costs, and common pitfalls can make a real difference in long-term health and finances.
FAQs About AARP Dental Insurance and Medicare
Q: Is AARP dental insurance only for people with AARP membership?
Yes. Enrollment typically requires an active AARP membership, which is open to anyone 50 or older for a small annual fee.
Q: Does AARP dental insurance require enrollment in Medicare Advantage?
No. AARP’s dental plans are standalone and can be used with Original Medicare (Parts A & B) or Medicare Supplement plans.
Q: Are there waiting periods for coverage?
Yes, some services—especially major ones—may have waiting periods of 6 to 12 months. Preventive care usually begins immediately.
Q: Can dental premiums be paid monthly?
Yes. Most AARP dental plans offer monthly payment options through UnitedHealthcare.
Q: Where can I enroll or compare AARP dental plans?
Visit aarp.org/dental-insurance or the UnitedHealthcare dental portal to compare plans by ZIP code.
Helpful Resources
- AARP Dental Insurance Plans – https://www.aarp.org/health/medicare-insurance/dental-insurance/
- UnitedHealthcare Dental Plans – https://www.uhc.com/dental
- Medicare Dental Coverage Info – https://www.medicare.gov
- KFF Medicare and Dental Coverage Research – https://www.kff.org
- Partnership for Healthy Mouths – https://www.healthymouths.org
Citations
[1] KFF Medicare & Dental Report, 2024
[2] UnitedHealthcare Dental Plan Overview, 2025
[3] Centers for Medicare & Medicaid Services (CMS), 2024 Data Brief
[4] AARP Annual Insurance Report, 2024
[5] CMS Policy Briefing, January 2025
Disclaimer
This article is intended for educational purposes only and does not provide medical, legal, or insurance advice. Insurance availability, coverage terms, and pricing may vary by state and provider. Always consult with a licensed insurance agent or plan administrator before enrolling in any plan.
