Best For Comprehensive Dental And Vision Bundles: Delta
- Costs range between $8 to $70 per month
- Wide range of plans including both PPO and HMO options
- Waiting period of up to 6 months depending on the plan
For seniors looking to bundle together vision insurance and dental insurance, Delta is one of the most effective options. They serve nearly 80 million Americans and their Delta Dental plan is highly competitive.
Like many other insurance plans, they offer a six month waiting period for basic and restorative dental care including root canals and fillings. You may also need a referral to see a dental specialist if you need further treatment.
Unlike other insurance companies, many plans cover the cost of full mouth x-rays at 100% for preventative care which can help diagnose gum disease and bone loss for seniors. They also offer a convenient mobile app and online claims management.
For their vision plan, coverage includes discounts of up to 71% on eye exams, glasses, contact lenses, and services such as laser vision correction. Delta Vision also provides eye exams, frames, and lens changes once every calendar year.
They work with brands including Luxottica and RayBan. Key retail partners include LensCrafters, Target Optical, and Pearle Vision, making it easy to find a reliable provider near you.
What Vision Insurance Is And How It Works
Vision insurance works a little differently than dental insurance. Like a dental plan, a vision plan provides coverage for routine exams not covered by most medical plans, but it also offers discounts on eyeglasses and contacts needed to correct vision problems. However coverage for many serious treatments, such as non-elective surgery to correct an eye injury, typically isnt covered because its part of your major medical plan. So vision insurance also tends to be very affordable .
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The American Association of Retired Persons has three members-only dental plan options, each aimed at people with different needs and budgets. The Delta Dental Insurance Company administers these plans and designs them to cater to the typical dental care needs of those aged 50 or over. In addition to covering the AARP member, these dental insurance plans also provide coverage for the members eligible dependents.
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Not All Costs Are Covered Even With A Full Coverage Plan
The out-of-pocket cost you pay for a given dental treatment may vary widely depending on the insurance company and specific plan you choose. When youre looking at a plan’s details, the following items should be clearly spelled out:
- Premiums. The amount you pay per month for the plan. Look in the FAQ for a chart showing the typical range of dental premium costs.
- Deductible. The amount you have to pay before the plan starts to pay for treatments. DPPO plans tend to have deductibles, but many DHMO plans do not.
- Coinsurance. The percentage of costs you have to pay for a visit or treatment once youve met your deductible. With a DHMO, there isnt a deductible, and you will typically pay a flat fee or copay depending on the services received.
- Annual Maximum. The total amount your plan will pay you in a given year. You have to pay for any treatments over that amount but remember: if you go in-network you will still be able to take advantage the plans discounted fees.
Finding The Right Dental Insurance Plan
Unfortunately, brushing and flossing every day isnt enough to ensure your oral health. A lack of preventive dental care may lead to unexpected tooth and gum disease, later on, leaving you with steep medical bills or debt from a costly but necessary procedure. Regular cleanings from your dentist help remove bacterial plaques that will eventually likely damage your teeth through cavities and decay. Even if you feel like your teeth are fine, youll benefit immensely from having an insurance plan.
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Dental Insurance Options For Retired Seniors
There are two main insurance plan options that youll be able to choose from when youre looking for affordable dental insurance as a retired senior citizen: PPO plans, and Dental Health Maintenance Organization plans.
PPO plans typically give you access to a wide range of dentists, and in some cases, you may be able to continue seeing providers outside the network. PPO members pay a monthly premium, and the plan covers a percentage of your costs after youve met your deductible. If you need individual health insurance and already have a dentist that you know and trust, PPO plans can be a good option.
DMHO plans require you to choose a single dentist or dental office as your in-network provider. If you need to see a specialist, like a periodontist or an oral surgeon, your primary dentist will give you a referral authorized by your insurance company. When you have a DMHO plan, you likely wont have a deductible or an annual cost. Instead, you typically pay a copayment for any dental services you receive covered under the plan. This is typically an affordable type of dental plan, and many basic dental services typically dont have a copay.
Bluecare Dentalsm Is The Right Choice
Complete your health care coverage with a dental plan from Blue Cross and Blue Shield of Texas .
Dental care is vital to your overall health. Thats why Blue Cross and Blue Shield of Texas offers BlueCare Dental plans for everyone in the family.
Our dental plans provide you with coverage for preventive services like checkups, cleanings and basic X-rays, as well as procedures like fillings, bridges and crowns.
With BlueCare Dental, discounts of 30 to 50% can lower your cost of dental care each time you use a network dentist.
Youll have access to one of the largest dental networks in the country. You also get the freedom to choose any general dentist or specialist in the network without a referral.
- Individual & Family plans for adults and children
- Medicare Advantage plans
- Teledentistry offered on some PPO plans
Visit the Dental Wellness Center to learn more about how dental coverage works and to find a BlueCare Dental provider.
Benefits for Employers
Adding dental to your medical plan can benefit you and your employees. Studies show that members with certain chronic conditions who receive regular dental care may experience:
- 24% lower annual medical claims
- 32% fewer ER visits
And lower medical premiums/fees may be available when you add dental and other ancillary coverage.
Talk to your account representative about adding dental to your benefits package.
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What Dental And Vision Plans For Medicare Recipients Are Available
Medicare Parts A and B, or Original Medicare, are only designed to cover specific medical services.
- Part A includes things like inpatient hospital insurance and skilled nursing facility coverage.
- Part B includes outpatient hospital insurance and doctor visits.
If you are using Medicare for your health insurance, you will have to look outside of Original Medicare for dental or vision benefits.
How Should You Compare Dental Insurance Plans For Seniors
When comparing dental insurance plans, there are a few important factors that you should consider. These include:
- Cost: Look for plans with low premiums and deductibles.
- Coverage limits: If you know youre likely to need major dental work in the future, you should choose a plan with a high maximum coverage limit.
- Availability: Look for a provider that has availability in your area and a large network.
- Waiting periods: The best dental plans have short waiting periods that allow you to get the coverage you need when you need it.
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Cigna Dental Insurance For Seniors
Are you newly retired? If you dont have dental coverage as part of your Medicare or retirement benefits, youve probably asked yourself, Do I really need dental insurance?
The truth is, you need just as much preventative dental care now as you did when you were younger. In fact, maybe more so. Why? Because as you age, your mouth tends to become dry, your older restorations wear out, and your gums recede. All of these variables can significantly raise your risk for tooth decay and loss.
How do you find the right type of dental insurance for your needs, especially as a senior?
Focus on Preventative Care
Most dental problems are preventable. If youve always been one to see the dentist regularly, youre off on the right start. Pick a dental insurance plan that includes routine prophylactic services like:
- Dental cleanings every six months
- Diagnostic dental X-rays
- Yearly exams and gum disease screenings
- Oral cancer exams
How Often Seniors Need to See a Dentist
What if You Need Dental Work?
One of the biggest misconceptions by seniors is that if their teeth give them problems, they should just have them all extracted, and a pair of dentures made. While denturesare a viable solution for chronic dental health problems, they shouldnt be the go-to treatment for a few troublesome teeth.
What if I Need or Already Wear Dentures?
Affordable Alternatives to Traditional Insurance
Aetna Dental Insurance: Best For Provider Network
Established in 1853, Aetna serves 12.7 million dental plan members and offers coverage in all 50 states. In addition to affordable dental plans, Aetna offers health insurance, vision insurance, Medicare Advantage Plans, and Medicaid services. With Aetna, you can expect access to a large network of providers, but some plans prohibit you from switching dentists for at least 12 months after you choose your primary dental care provider. Learn more about Aetna dental insurance plans to find out if one of them is the right fit for your needs.
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What Are Dental Vision And Hearing Plans
Medicare doesnât cover all expenses, which means you will have to pay out of pocket for medical supplies such as dentures, prescription glasses or hearing aids, as well as visits to the specialist. Original Medicare does not include benefits for dental, vision, or hearing. Dental, vision, hearing plans are intended to provide you with the extra security and are meant as a supplement to Medicare, or another type of basic insurance plan.
Best Value: Delta Dental
Delta Dental offers plans geared toward seniors either through the AARP and directly on their website. They provide a lot of information and resources for retirees on their site, and they were one of the few insurers we reviewed offering immediate coverage for fillings, denture repair, tooth removal, and root canals in the AARP Plan.
No waiting periods for many services
Guaranteed acceptance for AARP members
12 month waiting period for major work on some plans
PPO plans feature deductibles and maximums
Delta Dental is the leading provider of dental insurance in the U.S., offering coverage in all states and serving over 80 million Americans. Delta Dental is a not-for-profit organization made up of 39 independent Delta Dental companies. They have an AM Best financial strength rating of A .
Delta Dental has contracted with AARP to provide members with special pricing to help seniors fit dental insurance into their budgets, and there are HMO and PPO plans available. The HMO is the cheapest option, followed by the PPO B, and lastly, the PPO A is the most expensive option. The PPO plans allow you to choose any dentist, while the HMO plan utilizes a network of dental facilities.
There is no annual maximum and no deductible on the DeltaCare USA plan. The PPO plans have an annual maximum of $1,000 to $1,500 with deductibles ranging from $40 to $90 depending on service and plan.
How To Find An Aarp Dental Insurance Dentist
The minimum enrollment period into the dental insurance plan is 12 months. After the enrollment, there is a 30-day period during which one can withdraw ones enrollment and have a 100% refund provided none of the benefits of the plan have been used.
Enrollment into the plan can be suspended when the enrollee do not pay the premium fee. When this happens, all the family members that are enrolled will cease to benefit from the coverage. Dentists within the AARP network can be found by searching the online directory on AARP dental insurance website. The search can be filtered based on your location. With this, youll be provided with dentists in your locality. Theres also room for specifying the distance youre willing to cover to find a dentist. The website provides up to 50 miles.
Fortunately, its easy to find dentists in the AARP network provided you provide specific information that meet your needs. If you are in search of local specialists for specialized dental care, the best option is to call your AARP customer service line.
For more information on AARP and Physicians Mutual Dental plans, stay glued to Dental Health Care Canter.
Looking For Something Else
The Humana Extend product is not offered in all states.
Dental and vision plans, excluding Dental Savings Plus, may have a minimum one-year initial contract period.
Payment may include an administration fee. A one-time, non-refundable enrollment fee may apply . Applicable fees are disclosed at time of enrollment.
For Colorado: The Network Access Plan, which describes an access plan specific to your network, is available by calling the customer service number found on your Humana Vision ID Card/Dental ID card and requesting a copy.
This plan provides benefits for contracted and non-contracted providers. Non-contracted providers have not agreed to provide services at contracted fees. If a member sees a non-contracted provider their out-of-pocket costs may be higher than that charged by contracted provider.
Humana complies with all applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, ancestry, religion, sex, marital status, gender, gender identity, sexual orientation, age, or disability. We also provide free language interpreter services. See our .
Humana is the brand name for plans, products and services provided by one or more of the subsidiaries and affiliate companies of Humana Inc. . Plans, products, and services are solely and only provided by one or more Humana Entities specified on the plan, product, or service contract, not Humana Inc. Not all plans, products, and services are available in each state.
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How Much Is Senior Dental Insurance
Stand-alone dental insurance plans can range anywhere from $30 per month to over $100 monthly for individual plans, and family programs average triple those estimates depending on coverage levels. Deductibles typically average between $50 and $150 per year, but some plans offer a one-time deductible for premium policies. The most affordable option for people seeking temporary or low-cost care is to invest between $75 and $150 in a dental insurance discount program that offers enrollees substantial discounts on all services within days of signing up. Costs vary for different types of coverage by state, age, the number of enrollees, and your selected plan.
Best For Fast Coverage: United Healthcare
With no waiting periods on all four dental plans designed for seniors, United Healthcare is a great choice for seniors looking for immediate coverage.
Can add vision as a rider on the dental plan
Hearing aids/exams included in the dental plan
No waiting periods on many services
Direct payment to in-network dentists
No maximum age limit
Only offered in 47 states plus the District of Columbia
Out-of-network coverage is more expensive and less convenient
UnitedHealthcare has been in business since 1974 and has a Moodys rating of A1, stable. UnitedHealthcare dental insurance is available in 47 states plus the District of Columbia. They offer four Dental Gen Plans, as they’re known, that are very specifically tailored to the needs of seniors.
Gen policies come with senior-friendly options, such as adding vision and hearing aid benefits to your dental package and enjoying day-one coverage for many services. The basic Gen Saver Dental plan is the cheapest option. Moving up there is the Gen Plus Dental and then the Gen Basic Dental. Lastly, the top-tier Gen Deluxe Dental is the premier option.
Some other features and benefits include:
Coverage is excluded outside the United States, except for dental emergencies. Teeth that were missing before the policy starts are also excluded. There is no coverage for replacing full or partial dentures, crowns, inlays, onlays, and bridges within 60 months of the last replacement.
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Senior Dental Plans And Dentures
Dentures are often covered under dental insurance plans and dental savings or discount programs. Under most traditional dental insurance programs, however, members will have to wait a year or more to qualify for denture-related services. The good news is that most dental discount plans offer some level of denture coverage within days of enrollment for a small annual enrollment fee. Its important to check each plan carefully to see if there is a pre-existing condition clause that prohibits dentures and repairs unless the teeth are lost or broken during a period of coverage under the policy.
How Does It Work
Supplementary health and dental insurance policies are contracts between you and an insurance company. You agree to pay a yearly or monthly fee called a premium, and the company agrees to pay the benefits which are covered under your policy. Your policy will outline what is included and what is not.
Here are some common features of supplementary health and dental insurance:
- Most policies do not cover 100 per cent of your medical expenses. You may have to pay some of the medical expenses you and your dependants incur. This is known as the deductible. Each policy is structured differently and you might have family deductibles or per service deductibles .
- Some plans have a co-insurance feature in addition to the deductible. That means you have to pay a percentage, or co-insure, the medical expenses on top of your deductible. It could be 10 per cent of the eligible medical expense, or higher, and it may depend on the type of medical service required.
- You may also have dollar or percentage limits, or maximums placed on the amount of benefits that you can receive. Maximums can apply to specific health benefits like eyeglasses or massage therapy sessions in a specified period typically a year, or during your lifetime.
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