Since all dental insurance carriers are different, it is important to clarify which dental procedures fall under each specific category. This is important because some insurance plans don't cover major procedures and others have waiting periods for certain procedures. If you know that you will need major dental work that is not covered by a given plan, you should probably look elsewhere to find one that suits all of your needs.
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With an extensive network of more than 100,000 participating dentists at more than 300,000 locations nationwide, there is likely an in-network dentist in your area. When you combine the ability to choose your preferred dentist with the kind of comprehensive coverage available through one of the largest providers in the dental insurance sector, you’ll find Guardian dental is tough to beat.

Guardian has dental plans for seniors that cover 100 percent of preventive services including cleanings, exams and X-rays. The only downside is it is not available in every state. For those states that are covered, seniors can obtain dental insurance that covers 100 percent of preventive services and up to 90 percent of other basic procedures such as simple extractions and fillings. Individual plans directly provided by Guardian are available to individuals living in Arizona, California, Colorado, Nevada and Utah with access through the healthcare exchange for residents of Florida, Texas, Illinois and New York.
Since this is an indemnity plan, you can use other insurances or coverage. A dental discount plan can work well here. Using the above example, if the dentist routinely charges $200 for cleaning, but per the discount plan contract, charges you $100, you will have a net cost of $10. Remember, most discount dental plans charge between $8 and $15 per month depending on other features.
Another thing to consider when looking for dental plans for seniors is the waiting period some plans may have for certain services. For example, a plan may set a 3-month waiting period for an extraction. This means that if you get an extraction a week after enrolling in that plan, you usually won’t be covered. Some services may have longer waiting periods, such as 15 months, before the plan covers that service. This is why it is best to not wait until you have a dental emergency to enroll in a dental insurance plan.
As time passes, many seniors leave dental coverage (and vision and hearing) behind. Then, when they need it, it is too late. Waiting can be devastating in some cases as many insurances have waiting periods for certain services. For example, a routine filling for a cavity typically requires a 6-month wait. If you can’t wait that long, you will have to pay the cost in full.
The short answer here is that there isn’t one. In fact, a better question to ask is “What is the best dental insurance for me?”. One key point that is important for seniors to understand about any type of insurance is the fact that we are all unique and individual. When you consider dental insurance your choice should be 100 percent about you. Even the best plan for your spouse might not be the best plan for you.
The AARP Dental Insurance Plan is insured by Delta Dental Insurance Company (Contract 1230) in AK, AL, DC, DE, FL, GA, LA, MD, MS, MT, NV, NY, PA, PR, TN, TX, UT, VI and WV, insured by Dentegra Insurance Company (Contract 1230) in AR, AZ, CA, CO, CT, HI, IA, ID, IL, IN, KS, KY, ME, MI, MN, MO, NC, ND, NE, NH, NJ, NM, OH, OK, OR, RI, SC, SD, VA, VT, WA, WI and WY, and insured by Dentegra Insurance Company of New England (Contract 1230) in MA. The plan is administered by Delta Dental Insurance Company. For Texas residents your Master Policy Form number is TX-AMD-MC-DPO-D-DC(DELTAUSA1-2005). These companies are financially responsible for their own products.
Seniors have special dental needs that come with getting older such as root decay, gum disease, tooth loss and more. Even non-dental conditions common to seniors, such as arthritis, can affect dental health. For those coming off of an employee group health plan upon after retiring, coverage may not be extended after you leave your job, leaving you to find your own dental coverage. Most plans have a waiting period for coverage, so this can leave you without coverage for a period of time.
« BackeHealth Insurance Resource CenterDental InsuranceDental Insurance for SeniorsDental Insurance for Seniors April 20, 2015 Learn about dental care concerns later in life, and dental insurance for seniors. ShareSenior citizens sometimes need special dental care. As we age, our teeth and gums are more susceptible to decay, inflammation, and disease. Health problems, like osteoporosis, diabetes, heart disease, stroke, and respiratory disease can also affect dental health, and sometimes the reverse is true, according to the Columbia University College of Dental Medicine and the American Dental Association.Why to consider dental insurance for seniorsOut of all out-of-pocket health-care costs, 27% of expenses are related to dental services, according to the Robert Wood Johnson Foundation; some people delay needed dental care because of the expense.Dental insurance isn’t usually included in major medical insurance policies, such as you may have from your employer. You can buy a stand-alone dental plan to cover some of your dental care costs.Keep in mind that dental insurance often requires a waiting period for more expensive treatments, so it’s best not to wait until you need dental insurance to get it.Standard dental policiesYou can buy a standard individual dental insurance plan, usually at a low monthly premium. Standard policies commonly cover these routine procedures, typically performed by family dentists:Regular cleanings and exams: Most policies entitle you to a free cleaning and comprehensive exam twice a year.X-rays: Dentists periodically take bitewing X-rays of your teeth. Depending on your dental insurance plan, x-rays may be fully covered, or you might make a copayment. Other X-rays of your mouth may require a copayment, coinsurance, or deductible.Fillings and extractions: Fillings (removal of decay and filling with a bonding material) and extractions (pulling a tooth out of your mouth) usually require a copayment, coinsurance or deductible in most dental insurance plans.Certain repairs: Standard individual dental insurance plans occasionally include partial coverage on some restorative procedures, such as root canals, crowns, bridges, and deep cleanings. Dental insurance plans usually require a copayment, coinsurance or deductible for these procedures, if they cover them. However, you might need to shop around for a policy that covers these more expensive services.  wp_cta_load_variation( '10789', '' )#cta_container{ border: 1px solid #dbdbdb; border-radius: 5px; } #wp_cta_10789_variation_0 #cta_container #content {background: transparent;}
If you are a senior or are approaching retirement, you may be surprised to find out that Medicare does not provide coverage for routine dental care. Medicare mainly covers medical treatments, but does not provide any assistance for routine dental care such as bi-annual exams, cleanings, or even major services like bridges or dentures. This leaves it to seniors to search for a dental plan that can meet their coverage needs.
For freedom of choice, there are a few types of plans to consider including PPO dental plans and Indemnity plans. PPO dental plans generally allow members to see any dentist, but they also include a listing of In Network dentists. With PPO’s you typically get more value if you see an In Network provider, but you can still choose to see an Out of Network provider too. Though Out of Network providers can bill for additional charges if they wish.
Our dental insurance plans offer affordable options for dental coverage. The plans have low deductibles to satisfy and multiple options for the maximum amount they pay each year. Our dental insurance plans offer lifetime deductibles (not calendar year), there are no benefit waiting periods, three cleanings are covered per year, adult dental implants are covered, and you can select from various maximum benefit amounts.
The cost of not taking care of your oral health could be more. Those without individual dental coverage are less likely to get routine dental care, meaning they seek out a dentist only when they have a problem. By then, more extensive and more expensive measures may be necessary, and major problems linked to poor oral health (like heart disease and diabetes) are more likely to appear.2 Doing nothing now means you might pay more later.
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