Best Senior Dental Insurance: Everything You Need to Know

As you age, your dental needs change, and it’s important to have access to dental insurance that meets those needs. Choosing the right dental insurance for seniors can be a daunting task, but we’re here to help. In this article, we’ll explore the best senior dental insurance options available in the market and help you make an informed decision.

What is Senior Dental Insurance?

Senior dental insurance is a type of insurance that is designed to meet the dental needs of seniors. As you age, dental issues become more common, and regular dental checkups, cleanings, and procedures can become expensive. Senior dental insurance can help cover these costs and save you money in the long run.

Why is Dental Insurance Important for Seniors?

Many seniors are living on a fixed income, and dental procedures can quickly add up. Unfortunately, Medicare does not cover most dental procedures, so seniors need to find other ways to pay for their dental care. This is where senior dental insurance comes in. Having dental insurance can help seniors save money and ensure that they receive the dental care they need.

What are the Best Senior Dental Insurance Options?

There are many different senior dental insurance options available, and each one has its own pros and cons. Here are some of the best senior dental insurance options:

Delta Dental

Delta Dental is one of the most popular dental insurance providers, offering dental coverage to over 80 million Americans. They have a wide range of plans to choose from, including PPO and HMO plans. They also offer plans that cover orthodontics, which can be important for seniors who need braces or other orthodontic treatments.

Delta Dental’s premiums are in the mid-range, ranging from $50-$70 per month. Their annual maximum benefit ranges from $1,000-$3,500, depending on the plan. The waiting period for major services is typically 6-12 months, which can be a drawback for those who need immediate dental care.

Aetna

Aetna is another popular dental insurance provider that offers dental coverage to over 15 million Americans. They offer a variety of plans, including PPO and HMO plans, as well as plans that cover orthodontics. Aetna’s premiums are in the mid-range, ranging from $35-$50 per month. Their annual maximum benefit ranges from $1,000-$1,500, depending on the plan. The waiting period for major services is typically 6 months.

Cigna

Cigna is a global health service company that offers dental coverage to over 20 million Americans. They offer a variety of plans, including PPO and HMO plans, as well as plans that cover orthodontics. Cigna’s premiums are in the mid-range, ranging from $40-$60 per month. Their annual maximum benefit ranges from $1,000-$1,500, depending on the plan. The waiting period for major services is typically 6 months.

Humana

Humana is a health insurance company that offers dental coverage to over 13 million Americans. They offer several different dental plans, including PPO and HMO plans. Humana’s premiums are in the low-to-mid range, ranging from $20-$40 per month. Their annual maximum benefit ranges from $1,000-$2,500, depending on the plan. The waiting period for major services is typically 6 months.

FAQ About Senior Dental Insurance

What is the difference between PPO and HMO dental plans?

PPO plans allow you to choose your own dentist, while HMO plans require you to choose a dentist from a network of providers. PPO plans tend to be more expensive, but offer more flexibility, while HMO plans tend to be less expensive, but offer less flexibility.

What dental services are typically covered by senior dental insurance?

Senior dental insurance plans typically cover preventive services like cleanings and checkups, as well as basic services like fillings and extractions. Some plans also cover major services like root canals and crowns.

What is the waiting period for major services?

The waiting period for major services varies depending on the plan. Typically, it is around 6 months, but it can be up to a year for some plans. During the waiting period, you will not be covered for major services.

Are there any age restrictions for senior dental insurance?

Most senior dental insurance plans do not have age restrictions. However, some plans may be more expensive for older individuals or may have different coverage options for those over a certain age.

Can I keep my dentist with senior dental insurance?

It depends on the plan. PPO plans typically allow you to choose your own dentist, while HMO plans require you to choose a dentist from a network of providers. Before signing up for a plan, make sure your dentist is in the network or that you are comfortable with the dentists in the network.

Conclusion

Choosing the right dental insurance for seniors can be a complicated process, but it’s important to make sure you have coverage that meets your needs. Whether you choose Delta Dental, Aetna, Cigna, Humana, or another dental insurance provider, make sure to consider the premiums, annual maximum benefit, and waiting period for major services before making a decision. With the right dental insurance, you can ensure that you receive the dental care you need without breaking the bank.