Mom (94) has dementia and in an ALF. Has no teeth, only full dentures. They have not used them as they put her on a liquified diet. Never wears them anymore. Does she need her AARP Delta Dental plan at this point? Pays about $160 every 3 months. Also has a no premium Medicare Advantage Plan with limited dental coverage.
Delta is great if you have employer sponsored Health insurance as it pays 100% twice a year cleaning & annual bitewings, 50/70% of other work including orthodontics AND if your employer is paying a portion of the premium.
FWIW If your elder should anticipate filing for LTC Medicaid, doing a spend down of some of their assets to get dental work done is imo a good thing. Totally legit use of their $. Plus once they go into a Nh, dental care - unless they can still brush their teeth on their own - is pretty much having an aide run those pink sponge swab on a stick over their teeth and gums daily.
I would drop the plan. Its probably more for regular cleanings and check ups. I had to look into one years ago and found I was better paying out of pocket by the time I paid the premium and the balance that was left over after the insurance paid. I think they only paid 50%. That $640 can go towards things she needs.