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Need an affordable

Dental Insurance Plan?

Find an Affordable Dental Insurance Plan that's right for you.

Need an affordable

Dental Insurance Plan?

Find an Affordable Dental Insurance Plan that's right for you.

Senior Dental Insurance Plan

Of course, as you age, you may deal with some dental conditions which affect your ability to maintain a healthy lifestyle. According to the National Association of Dental Plans, about 46.3 million adults in the U.S don't have dental coverage, so they can't afford their dental expenditures. Recent studies have shown that one in four seniors have lost all of their teeth because teeth are subjected to degeneration and breakage over time. That means that seniors above 65 are in great need of oral care even more than younger people.

Elder people are susceptible to: 

    • Broken teeth
    • Loosened implants
    • Dry mouth
    • Thrush (overgrowth of fungus)
    • Gum diseases
    • Root decay
    • Oral cancer
    • Periodontitis
    • Cavities 
    • Uneven jawbone due to teeth loss

Without a doubt, these conditions will negatively affect the quality of life and overall health, causing mouth pain and chewing difficulties. Most of the insurance plans cover only 50% of dental expenses and only in case of emergencies. That’s why it is essential to enroll in the right insurance plan to be guaranteed full protection for yourself and your family. With dental coverage, you will cover your basic dental needs such as routine check-ups, tooth extractions, fillings, X-rays, and more. You will be highly secured and won’t hesitate to visit your dentist when something – big or small – comes up. Remember that some small dental issues can turn into a drastic case and you can’t afford this, right?!

Oral Care Concerns due to Aging

Medicare doesn't offer stand-alone dental plans that cover your routine dental care, dental procedures, or devices. Medicare Part A includes any dental services you can get in a hospital only. Medicare Advantage offers the combined benefits of both Medicare Part A and Part B, offering additional coverage more than Original Medicare. On the other hand, Medigap offers dental coverage in case of oral surgery or emergency situations only. Medicare Dental Plans cover:

  • Routine Dental Services (Routine dentist visits, check-ups, cleanings, and more)
  • Oral Surgery 
  • Diagnostic Services (Checking biting and chewing patterns, X-rays, teeth examination, screening for oral cancer, and more)
  • Restorative services (Fillings, crowns, bridges, implants, and more)
  • Endodontic (Treating the pulp tissue inside the tooth)
  • Periodontal (Treating the gum disease caused by poor brushing habits)
  • Teeth extraction (Broken teeth, below the surface of teeth, or any other condition that requires involved procedure)  
  • Prosthodontics (Missing teeth replacement)

Senior Dental Care Access through Medicare

When it comes to dental insurance plans, you have multiple options to choose from. Thus, each plan has different scopes, including network size, specialists’ timing, costs, and out-of-network coverage. Thus, you must go through each one of them to choose what matches your situation the best.

Types of Dental Insurance Coverage to Consider

With dental insurance, you have several options, and each plan is a bit different. The types of plans to choose from include:

HMO

Health Maintenance Organization plan is a prepaid plan that covers preventive dental care such as teeth cleaning, oral exams, some X-rays, fluoride treatments, and more. You must check the list of dentists that are under contract with the insurance company, along with the predetermined rates. In this plan, some procedures require co-payment, while others require out-of-pocket expenses.

Discount Plans

The Dental Discount Plan offers different coverage amounts; 100% coverage for cleanings, oral exams, and other dental services. You will pay from 20% to 50% out-of-pocket costs. The discount plan is highly effective as there is no limit to the number of dental services you can get during the year.

DPPO

Dental Preferred Provider Organization plan has a wide network of licensed dentists and specialists. It covers most of the preventive and diagnostic services, where you pay much less (out-of-pocket costs) if you choose an in-network dentist. The insurance company will ask you to choose a primary dentist. However, if you choose out-of-network services or dentists, you will pay a copayment with a fair deductible amount.

Fee-For-Service

This plan is also known as the "Indemnity Plan," which allows you to choose any dentist or hospital with no required referrals. The insurance company will not ask you to choose a primary dentist. In this plan, you will pay an annual deductible before the insurance company starts to pay for your dental services. Once you visit a dentist or use a certain dental service, you or the provider will send the bill to the insurance company that will pay a certain part of it.

Choosing the right dental insurance plan for your family matters.
Make sure you take the time to compare multiple options and get the coverage right for your situation.

Compare plans today

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Senior Dental Insurance Plan

Senior citizens across the U.S. are seeking coverage to aid in reducing their dental expenditures. Teeth, like bones, can soften as time passes and grow significantly more susceptible to degeneration and breakage. This can mean that seniors are often in need of more oral care than younger Americans, as they deal with broken teeth, loosened implants, gum problems, or other issues. According to the National Association of Dental Plans, 46.3 million adults in the U.S. age 65 and over have no dental coverage. That same article also notes that without coverage, individuals are at a higher risk for dentures and less likely receive treatment for gum disease.

Most dental insurance plans will even cover around 50% of the costs associated with a serious dental injury or a major procedure.

Oral Care Concerns due to Aging

As our bodies age, they develop a unique set of dental health needs. Without regular visits to the dentist and good oral hygiene a number of problems can arise: According to the Center for Disease Control and Prevention one in four seniors have lost all of their teeth.

Seniors are also susceptible to:

  • Dry mouth • Root decay
  • Gum disease
  • Uneven jawbone caused by tooth loss
  • Denture-induced tissue inflammation
  • Overgrowth of fungus in the mouth, known as thrush
  • Attrition (loss of teeth structure by mechanical forces)
  • Oral Cancer

These conditions can lead to further problems which adversely affect a senior’s ability to maintain a healthy lifestyle and quality of life; including the inability to chew or eat, mouth and gum pain, irritation due to ill-fitting dentures and implants, missing teeth, cavities and decay.

We're here to help you find an affordable

Insurance Plan

Senior Dental Care Access through Medicare

Medicare, the largest health insurance provider for adults 65 and older, does NOT provide coverage for routine dental care. Medicare only pays when dental care and medical needs intersect. Medigap, a private insurance plan that supplements Medicare coverage, doesn’t offer dental coverage, but some private Medicare Advantage managed care plans do offer dental benefits.

Types of Dental Insurance Coverage to Consider

With dental insurance, you have several options, and each plan is a bit different. The types of plans to choose from include:

HMO

This is a prepaid type of plan with on deductible or maximum. Instead, you pay a co-payment for some procedures, while others come with no out-of-pocket expense.

Discount Plans

Typically, a discount dental plan will provide a reduced fee-for-service option and require you to pay out-of-pocket, minus the discount.

DPPO

The lowest out-of-pocket costs with this plan will come from an in-network dentist, but you are not required to visit an in-network dentist. You will pay a co-payment, and you will need to reach a deductible. This type of plan also has a maximum.

Fee-For-Service

Also known as an indemnity plan, this type of play comes with a co-payment and a fee for procedures. • Choosing the right dental insurance plan for your family matters. Make sure you take the time to compare multiple options and get the coverage right for your situation.

Choosing the right dental insurance plan for your family matters.
Make sure you take the time to compare multiple options and get the coverage right for your situation.

We're here to help you find an affordable

Insurance Plan

Find an Affordable Dental Insurance Plan that's right for you.