Dental Insurance For Senior Citizens

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Take Out A Dental Loan

Dental Insurance for Seniors – 6 Great Coverage Options

Dental loans help you pay for treatment upfront. Then, you pay the loan back, over time and in small, manageable increments.

If taking out a dental loan for dentures or other dental work interests you, you can start searching for a loan with the SuperMoney loan search engine. It makes it easy to find the best loan for your budget and treatment needs.

Before taking out a loan, you should be positive that youâll be able to pay it back within the deadline, or you may have to pay high interest rates.

Medicare Coverage Of Dental Insurance

Medicare does not typically cover dental procedures, except in extreme circumstances. When a dental emergency occurs and lands a patient in the hospital, Medicare will likely cover part or all of the procedures to repair the damage. However, regular checkups, fillings, root canals, crowns, and other common dental procedures are not covered.

While Medicare Part A will rarely cover dental work, Medicare Part C, also known as Medicare Advantage, can include dental coverage. These plans are managed by private insurers who can choose exactly what they will and wont cover. Searching for a Medicare Advantage Plan that includes dental coverage can be a good way to help bring down the out-of-pocket expenses of senior dental care.

To get started, visit the Find A Medicare Plan tool on the Medicare website. You can create an account or continue without logging in. On the next page, choose Medicare Advantage Plan and enter your zip code. The system may request that you select your county, too. Finally, the tool will ask if you receive any other assistance for your medical bills. Select any programs you belong to, and click continue.

On the next page, the tool will ask if you want to see specific drug costs. If you have prescriptions, its a good idea to select yes and add them to the list on the next page. If not, you can select no and move on.

Company Reputation And Reliability

It can be hard to have confidence in a company thats very new, thats struggling financially, or thats not well-spoken of by other customers. We looked at a variety of data points in order to assess Company Reputation and Reliability, and this metric accounted for 20% of each brands overall score.

  • Year Founded: What year was this company founded? Does it have an extensive amount of experience in the insurance industry?
  • AM Best Rating: How does the insurance evaluator AM Best rate this company for financial stability? We did not consider companies that had a rating lower than A-. For more information on this rating scale, see this Guide to Bests Financial Strength Ratings.
  • JD Powers Score: Were this companys dental plans part of the latest JD Powers Dental Plan Customer Satisfaction Survey? If so, what is its score out of the 1,000 possible points?
  • Fortune 500 Rank: Does this company have a high enough revenue to merit a spot on the Fortune 500 list? If so, where does it rank compared to other dental insurance companies?
  • Google Stars: Does this companys headquarters have a Google business profile that has been rated by customers? How many reviews are posted? What is the average rating on the 1-5 star scale?

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Are Dental Discount Plans Worth It

If youre a senior who is looking for affordable dental coverage, its worth it to sign up for a dental discount plan instead of paying for a high premium insurance policy or Medicaid/Medicare add-on. Dental savings and discount plans are easy to understand, simple to sign up for, and never leave you guessing about your out-of-pocket costs for comprehensive dental care. And best of all, they cover absolutely everything. Its not that dental insurance for seniors isnt worth it, but its time to think outside the box to consider the better options that are out there for people of all ages!

teethtalkgirl content is medically reviewed and fact-checked by a licensed dentist ormedical doctor to ensure the information is factual, current, and relevant.

The Guardian Life Insurance Company of America.Investopedia.

Dental Or Hygiene Schools

Dental Insurance For Seniors Aarp

If you live near a university with a dental or hygiene school, cash in on dental care at a significantly lower price! Keep in mind, many schools do not accept insurance, so you’ll need to pay out-of-pocket. Patience is key, as there may be a wait or limited availability when scheduling an appointment.

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Types Of Dental Plans

There are two major types of individual dental insurance plans that may apply to seniors:

  • Managed-care plans negotiate fees with specific providers. These in-network providers request only your portion of the cost and file any necessary paperwork on your behalf. Procedures performed by out-of-network providers are sometimes covered, but often at a lesser amount.
  • Indemnity plans often include a larger group of providers and you may be able to see the dentist of your choice. The drawback is that patients are often required to pay 100 percent of the bill up front and then file a claim for reimbursement for the covered procedure.

What Are Dental Discount Cards

Another facet of dental insurance for seniors is whats known as dental discount cards or savings plans. These cards are supplemental to dental insurance and not a replacement instead, a cardholder will pay an annual fee instead of a monthly premium. A discount plan holder will receive special discounts and reduced prices on select procedures outlined in the plan.

While dental discount plans arent insurance, they could be a cheaper option for those who cant afford insurance and instead pay for all dental work out of pocket. Discount plans, like insurance, give customers a limited list of providers to choose from. Practitioners who participate in the dental discount plan have agreed to the reduced pricing structure associated with the card. These discount plans are not insurance, and payment for dental procedures is given directly to dentists.

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Best For Preventive Care: Cigna


We selected Cigna as the best for preventive care because they are not only affordable, but they have $0 deductible and $0 copay preventive dental plans and make life easy with 24/7 customer service and zero-paperwork claims.

  • In-network preventive care paid at 100%

  • No waiting period for preventive/diagnostic care

  • Online claims handling and an app to manage claims

  • 24/7 service and access to a health information line

  • Basic plan only covers preventive services

  • $1,000/$1,500 maximum annual benefit

Cigna has been in business for more than 225 years and currently serves over 17 million U.S. dental insurance customers individually and through employee benefit programs. AM Best gives Cigna an A rating for financial strength. Cigna was our number-one choice for best for preventive care for seniors based on several factors, which include:

  • No deductible and no copay for preventive care that includes cleanings and routine x-rays
  • A nationwide network of over 92,700+ dentists
  • No need to file claims in-networkyour dentist does it for you
  • Their Brighter Score tool rates dentists based on affordability and patient experience
  • 24/7/365 customer support and more

There is a six-month waiting period for basic coverages and 12 months for major work. If you have 12 months of prior continuous insurance with another provider, you can make the switch to Cigna, and the waiting periods may be waived.

How Much Does A Medicare Advantage Plan With Dental Coverage Cost Out

Senior Dental Plans – Also Vision and Hearing Coverage

Typically, copayment or coinsurance for most Medicare Advantage Plan dental coverage, such as 50% coinsurance or a $50 copayment. Also, many plans cap the annual coverage amount. That being said, plans are different between providers and even between plans offered by the same provider. You should check the costs associated with your dental coverage before committing to a plan.

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What Are Some Dental Dos And Don’ts

  • Dontskip routine dental check-ups. Visit your dentist regularly for cleanings and oral exams.
  • Dontsmoke. Smoking or chewing tobacco increases your risk of gum disease.
  • Dobrush your teeth at least twice a day.
  • Doclean between teeth daily with floss or an interdental cleaner.
  • Doreplace your toothbrush every three or four months, or sooner if the bristles become frayed. A worn toothbrush won’t do a good job of cleaning your teeth.
  • Dowatch your diet. Eat a balanced diet and limit between-meal snacks.

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.

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Who Has The Best Dental Plan For Seniors

Dental savings plans and dental discount plans for seniors are great options when you retire and need to re-assess your dental benefits.

These plans differ from in-house membership plans, which are private discount options offered through your personal dentists office

With a dental savings plan, you sign up through the discount dental program through a third-party carrier. But unlike dental insurance, the discount plan doesnt have deductibles to pay, waiting periods to endure, or tiers of coverage. It simply offers a fixed, flat discount on services in addition to two fully covered checkups and healthy mouth cleanings a year. Plus some dental plans include vision and hearing benefits too! You might even say its better than having dental insurance!

Does Pregnancy Medicaid Cover Dental

Finding dental assistance programs

Depending on your income level and the state you live in, it may. Even if you arenât eligible for Medicaid normally, you may find that you are eligible for Medicaid during pregnancy.

If this is the case, you should complete the ACA health insurance application, and remember two very important things:

  • Where it asks if you are pregnant, mark yes
  • If it asks if you have a special life event, mark yes

Additionally, if you ask for help in completing the form, or correcting mistakes you may have made on the form, make sure to tell the person helping you that you have a life event because you are pregnant.

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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.

Best For Seniors On Medicare: Aetna


  • Not all plans are available in every state

  • Some plans require a primary care physician for the coverage to apply

Aetna is an established healthcare insurance provider based in Hartford, CT. It has a stellar rating from AM Best. As of June 2020, there are over 2.8 million enrollees in Aetnas Medicare Advantage programs, the majority of which are the HMO, PPO, Provider Sponsored Organizations . They are available through an employer or direct, although direct plans are not available in all states.

We chose Aetna as the best dental insurance for seniors on Medicare because its Medicare Advantage plans have dental coverage benefits. These benefits could include oral exams, cleanings, X-rays, fillings, root canal treatments, tooth extractions, crowns, bridges, implants, and dentures.

Also, Aetnas Medicare Plus Plan covers up to roughly $2,000 of preventative and comprehensive dental care in addition to other services with no monthly premium. Aetnas Medicare Advantage plans are available in all 50 states and Washington D.C.

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Is Dental Insurance Worth It For Seniors

As mentioned, vision and dental insurance arent always covered in standard healthcare plans and Medicare. Therefore, its crucial to research your options and find out the best options for vision and dental insurance for seniors. Supplemental dental insurance can be a wise move to maintain a strong oral hygiene routine, even if you have Medicare.

Some plans may seem like they are offering cheap dental insurance for seniors, but there may be surprising fees that arise later. However, low-cost dental insurance is feasible. There are affordable dental insurance options for senior citizens at Aflac.

How Much Dental Coverage Do Seniors Need

Dental Plans for Seniors: Medicare Advantage & MORE!

Seniors are more likely than younger patients to need major services like crowns, root canals, and dentures. Because these procedures can be expensive without insurance, its usually a good idea to purchase as much insurance coverage as you can comfortably afford. Its also a good idea to set aside money for future dental expenses.

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Financial Assistance For Dental Insurance For Seniors On A Budget

Dental insurance may seem too expensive, but its more important than you may realize. Oral health can have a major impact on the rest of the body, and financial assistance to access dental care can be helpful in maintaining overall health.

Unfortunately, Medicare typically does not cover dental care, and less than half of states Medicaid programs offer any dental insurance coverage for older adults. But for those struggling to afford the costs of dental care, there are some alternatives to traditional dental insurance. Government programs, charitable organizations, and even credit card companies offer a way to cover some or all of the cost of dental procedures.

Below are a few dental resources for seniors on a budget.

Best Dental Insurance For Seniors Of 2022

  • No. of plans: 6 plans available
  • Coverage: The range of annual coverage limit is from $1,000 to $2,500
  • Availability: in 14 states

Why We Chose It: Anthem is the best dental insurance plan overall for seniors. It has six affordable plans with low deductibles that provide a generous annual maximum for participants and no waiting periods for preventative care.

  • $1,000 to $2,500 in annual maximum between 6

  • 6-month waiting period for major services

  • Waiting period waived with proof of previous coverage

  • Several Medicare Advantage Plans with dental coverage

  • Rates vary based on geography and demographics

  • The most affordable policy doesnt cover dentures, crowns, or bridges

Anthem is an excellent provider with an extensive Dental Prime network. Established in the mid-1940s, the company has won numerous awards, including a place on Fortunes the Worlds Most Admired Companies for 2020. The Indianapolis-based insurer offers plans both directly and through employers and is available in most states.

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Are Dental Saving Plans A Better Option

If you have a healthy mouth and typically only need checkups then it can be easier and more affordable to join a dental savings plan instead of using normal dental insurance. Especially for someone on a fixed income.

Most dental savings plans have one annual membership fee or an extremely low monthly payment option if you prefer to break it up into smaller amounts. They are usually much cheaper than an independent senior dental insurance policy. That alone instantly saves you money! And if you need an occasional filling now and then, you dont have to mess with estimates or dental insurance claims your dentist instantly applies a discount to the treatment and thats the exact amount you pay.

Dental Vision & Hearing For Those On Medicare

San Diego Dentist On Dental Care for Senior Citizens and Mature Adults

You probably know that most Medicare supplement insurance plans do not cover dental, vision and hearing insurance. Some Medicare Advantage plans offer these benefits, but not traditional supplements. Cigna insurance policies are available on a stand-alone basis to those who are on Medicare and dont have ancillary benefits elsewhere.

If youve recently retired and lost a coverage through a group employer plan, then you can avoid any waiting periods. This is a great feature and its somewhat unique to Cigna. Most other insurance companies will make you satisfy their waiting periods even if you have no gap in coverage.

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How Does Medicare Advantage Dental Coverage Work

Medicare Advantage plans are the primary method for dental coverage under Medicare.

Whatâs usually covered:

  • Tooth extractions

Medicare Advantage are bundled plans that combine add-on benefits such as dental or vision with Original Medicare and additional cost-sharing for medical needs. About 94% of Medicare Advantage plans offer the option for dental coverage. However, sometimes there is an additional fee to include dental coverage in your plan.

For example, the standard Medicare Advantage plan from Kaiser Permanente doest include dental care, but if you upgrade to the Medicare Advantage Plus plan, youll get dental, vision and hearing coverage.

The level of dental coverage with Medicare Advantage plans varies. Some have an annual payout limit, such as only contributing $1,500 to your dental care each year. Other plans could have coverage specifications on the number of cleanings per year or denture coverage.

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