Keep your teeth healthy with dental insurance for seniors. This site provides seniors with many options for affordable dental insurance. As humans begin to age, we find our teeth need more and more care. One of the simplest things you can do is have quality dental coverage to keep on track with your dental needs.
You can read below for more information or Get a Quick Quote.
Dental Insurance for Seniors Plan Benefits
No Co-pays for Preventive! This means you get two cleanings, two exams, and X-rays each year, and you pay nothing. Free fits in everyone’s budget!
During those tough years when dental problems occur, you only pay a $50 deductible and then the plan pays percentages between 50% and 80% depending on which plan you choose.
Access to National PPO Networks! PPO dental plans are popular for seniors due to ease of access. PPO plans allow members to select their own dentist. These plans are praised not only for flexibility, but also the access they provide to low cost dental procedures compared to indemnity plans. With a PPO dental policy the insurance company give you negotiated rates. Essentially, the insurance company has the dentist sign a contract guaranteeing you wholesale rates. While PPO networks offer the greatest savings to plan members who select an in-network dentist, members still have the freedom to choose a provider out-of-network.
Increasing Annual Maximums! Many dental insurance plans for seniors reward you for continued plan participation. Plans such as the Humana Loyalty Plus. Meanwhile the Dental Gen Plans give you first day benefits beyond a $1000 limit.
When Can I Use my Senior Dental Insurance?
In many cases after you are enrolled, all covered benefits are available on your effective date. After submitting your application, it takes about seven days to receive your card in the mail. It is best to wait for your card before going to the dentist, but many applicants do book an appointment right after they apply for coverage.
Need Coverage? Get a quote on Senior Dental Insurance Plans.
Is Dental Insurance for Seniors Available for my Entire Family?
Yes, it is no problem to enroll your spouse, or your children on your dental policy. The rates do go up in relation to the amount of members you have on the policy. Larger families may see a slight discount in cost. When adding vision to the dental policy, the dental and vision package will give you more discounts depending on household size.
Dental Insurance for Seniors has Vision too?
Yes, you can add vision insurance for a very little amount. Many plans only charge $5 – $7 extra for vision insurance. Seniors can save a great deal of money by packaging dental and vision.
How much does Senior Dental Insurance Cost, I’m on a budget?
With millions of seniors being on a fixed income, dental insurance coverage may not fit in everyone’s budget. The good news is that some plans available are as low as $16 a month. While these plans do have limitations, they still get you access to much needed dental care. The key point to dental care is routine. Individuals with dental insurance are twice as likely to have a cleaning every six months as opposed to a person without dental insurance. A great benefit of dental insurance is that it adds structure to a person’s dental care. When cleanings are free members take advantage of the benefit.
Dental Insurance Companies for Seniors
There are many dental insurance companies for seniors. Some companies specifically sell policies to seniors, while other companies are open to applicants of all ages. Some larger states such as Florida and Texas have many options for senior dental insurance, while smaller states may only have a few plans available. Here is a listing of some of the most popular companies offering dental insurance through seniors.
Aetna Dental Insurance
Aetna Dental Insurance is offered in limited areas at this time. Aetna mostly offers coverage to employers and companies that participate in large group coverage. In years past Aetna dental insurance for seniors was mostly offered in conjunction with a Medicare Supplement plan.
Anthem Dental Insurance
Anthem Blue Cross Blue Shield offers dental insurance in most states, and is probably the most popular in Georgia, Indiana, and Virginia. However, the Anthem BCBS dental is currently overpriced. If you have Anthem Blue Cross Blue Shield dental insurance, we strong suggest getting a quote for a new plan. Anthem is a popular option for employer group dental, but not as much for individual coverage or dental insurance for seniors.
Assurant Dental Insurance
Assurant Health which has recently come to be known as Time Insurance company. Offers indemnity dental insurance. These plans are neither PPO nor HMO, but rather a policy that focuses on re-reimbursements. These types of plans are best for people whose doctors are not, in-network, and do not accept insurance. The problem with Assurant dental is that applicants have to file claims on their own. So first you would pay for the service, and then submit the claim to the insurance company.
Cigna Dental Insurance
Cigna was recently purchased by Anthem Blue Cross Blue Shield, but they still offer dental policies for seniors under the Cigna name. Cigna dental is available in a handful of states. Like it’s parent company Anthem, Cigna dental is most commonly purchased by employers and used in connection with large group insurance.
Humana Dental Insurance
Humana dental insurance is marketed under the branding of HumanaOne. HumanaOne dental insurance is a true individual product created for people who have to buy their own coverage. Visit our HumanaOne Dental Insurance web page to learn more.
Golden Rule Insurance Company – a UnitedHealthcare Company offering Private Dental Insurance
UnitedHealthcare dental insurance is underwritten and sold by Golden Rule Insurance Company. It is a commonly purchased dental insurance for individuals and families of all ages. These dental insurance products have existed for decades and have the ability to offer quality PPO coverage. Golden Rule Insurance Company, is a UnitedHealthcare company that offers it’s policies to individuals, families, and seniors. It also has an optional vision rider which many applicants add to their policy. Visit our Golden Rule Dental Insurance web page for more details.
What about Discount Dental for Seniors?
Be very leery of any Discount Dental Plans. A Dental Plan is NOT Dental Insurance. All the plans we represent on this site are REAL Dental Insurance. This means it would contain plan benefits typical to what you may have experienced in the past through an employer. One of the most notorious sites for discount cards is DentalPlans. It is very seldom that these products would make sense to purchase. Discount cards seldom contribute ANY money toward any procedure. They simply get you a discount…. Discount Cards are NOT insurance and are NOT reviewed by the department of insurance.
I thought Medicare Covered My Dental Insurance Needs?
No, Medicare does not cover you dental needs. Some Medicare Advantage plans may offer limited dental coverage, but for the most part Medicare Part A is Hospital and Medicare Part B is out-patient. The good news is QuoteFinder.Org offers several affordable dental insurance plans for seniors.
How do I Get a Quote on Dental Insurance for Seniors?
It is best to fill out the quote form below to get access to a number of plans available to you. The quote form below will give you more information.