Did you know that being a member of AAA automatically qualifies you for exclusive dental insurance coverage? What does that mean? AAA Northeast is now partnering with Altus Dental and Delta Dental, two top insurance brands to offer dental access to individuals and families residing in Massachusetts and Rhode Island respectively.
If you’re looking for a dental plan that fits your budget, AAA Northeast has the best rates that will make you smile. From baby teeth to wisdom teeth, members can now save on dental insurance. So do you reside in Rhode Island or Massachusetts? You might have been qualified for dental access without knowing.
Let’s go through the entire process together and see how you can apply for exclusive dental access and the plans AAA dental insurance providers have for you.
AAA Dental Insurance Review
AAA Dental insurance is available for members residing in Massachusetts and Rhode Island. Their dental coverage is limited to only people in these two regions. So if you are a member and don’t reside in one of these areas, you do not qualify for the coverage. You can find more information about eligibility here.
Note that AAA does not directly offer insurance coverage but does that through its partners (Altus Dental and Delta Dental). Let’s see their partner plans and how to get started.
AAA insurance partner plans
Members living in Massachusetts are covered by Altus Dental, while members living in Rhode Island are covered by Delta Dental.
Related: How to Cancel AAA Insurance in 2023 (Quick Steps)
Altus Dental Insurance coverage for people living in Massachusetts and plans
If you reside in Massachusetts, then your dental insurance provider from AAA is Altus Dental. You can quickly get started today to get a custom rate. Altus Dental offers two plan options – Standard and Essential plan, to best fit the different needs of each individual or family.
Here’s an overview of the options coverage by Altus Dental:
Preventive & Diagnostics
- Oral exam: two policy per year
- X-rays
- Cleanings: two policy per year
- Flouride treatment under age 19
- Sealants for children, under age 14
Restorative
- Amalgam (silver) fillings
- Crowns over natural teeth, build ups, posts and cores
- Recementing crowns or bridges
- Composite (white) fillings on all teeth
Endodontics
- Root Canal Therapy
Periodontics
- Periodontal maintenance following active therapy: two per policy year
- Soft tissue grafts
- Root planing and scaling
- Crown lengthening
- Osseous (bone) surgery
Prosthodontics
- Repairs to existing partial or complete dentures
- Rebasing or relining of partial or complete dentures
- Bridges and crowns
- Partial and complete dentures
- Single tooth implants
Other options include extraction and oral surgery. They also provide palliative treatment and general anesthesia.
Related: Single Tooth Implant Cost Without Insurance
Delta Dental Insurance coverage for people living in Rhode Island and plans
For people living in Rhode Island, Delta Dental is their go to dental insurance provider from AAA. You can get started today to find out their best rates. Like Altus Dental, Delta Dental offers similar coverage plans.
Here’s a breakdown of their coverage options:
Diagnostics
- Initial or periodic oral exam
- Bitewing x-rays
- Complete x-ray series or panoramic film
- Single x-rays
Preventive
- Cleaning
- Flouride treatment
- Sealants
- Space maintainers
Restorative
- Amalgam (silver) fillings and
- Composite (white) fillings
- Crowns over natural teeth, build ups, posts and cores
- Recementing crowns or bridges
Endodontics
- Root canal therapy on permanent teeth
Periodontics
- Root planning and scaling
- Osseous (bone) surgery
- Gingivectomies
- Soft tissue grants
- Crown lengthening, etc.
Delta Dental also offers prosthodontics, implant services, extraction, and oral surgery, along with other services like palliative treatments and general anesthesia.
Also read: The Untold Costs of Avoiding Insurance: Why It’s a Risky Gamble
Frequently Asked Questions (FAQs)
Does AAA offer dental insurance?
Directly? No, but through their dental partners, members can get access to dental coverage.
Who are AAA dental insurance partners?
AAA dental insurance partners are Altus Dental and Delta Dental. They both provide dental plans for residents of Massachusetts and Rhode Island respectively.
Who can be covered through the AAA dental plan?
AAA dental partners offer individual and family plans. Policyholders who opt for the family plan, their spouse, and children under the age of 19 are eligible for benefits.
How soon can you receive dental coverage?
Enrolment for AAA members is done on a monthly basis. If you enroll within the first 10 days of the month, your coverage will begin during the next month (for example, if you enroll on July 8, your coverage begins August 1).
If you enroll after the tenth of the month, your coverage begins during the month after the next month (for example, if you enroll on May 21, your coverage begins July 1).
How can I cancel my dental coverage?
For Altus Dental, if you applied for coverage after, October 1, 2015, all you need to do is simply log in to your online account and use the self-service option to deactivate your coverage.
However, if you enrolled prior to October 1, 2015, you must send Altus Dental a letter asking your coverage to be canceled.
For Delta Dental, if you enrolled after December 1, 2014, you can simply deactivate your dental policy online, but if you enrolled before this date, you must request that your coverage be canceled by sending a request to Delta Dental.
How soon can I re-join the plan after I’ve canceled my coverage?
If you canceled your coverage, you can re-apply for coverage 12 months after the date that your coverage ended. New waiting periods will apply when you re-join.
Are there any waiting periods to receive coverage for services?
Yes, there is a 6 or 12-month waiting period for some services. Minor services often have a 6 month waiting period, while restorative services have a waiting period of 12 months.
If I choose to drop my dental coverage during the year, will I get a refund?
If you cancel your coverage (“terminate”), you will not receive a refund of your premiums. Your coverage will end on the last day of the current month or quarter, depending on the payment schedule you chose when you enrolled.
Which residents qualify for AAA Northeast Dental Insurance?
Residents of Massachusetts and Rhode Island who are AAA members automatically qualify for dental insurance care.
