Medicare, the largest health insurance provider for adults 65 and older, does NOT provide coverage for routine dental care. Medicare only pays when dental care and medical needs intersect. Medigap, a private insurance plan that supplements Medicare coverage, doesn’t offer dental coverage, but some private Medicare Advantage managed care plans do offer dental benefits.
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.
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.
Learn more about:Dental InsuranceDental plans that fit your budget. Get and keep a healthy smile. Find PlansRelatedFinding the Best Dental Insurance in FloridaGetting Low-Cost Dental Insurance as a Self-Employed IndividualFinding Low-Cost Dental Insurance for Your Family as a Self-Employed IndividualFeaturedKey Health Insurance TermsObamacare 101: How Obamacare Health Insurance WorksHealth Insurance Products and Definitions var gf_global = {"gf_currency_config":{"name":"U.S. Dollar","symbol_left":"$","symbol_right":"","symbol_padding":"","thousand_separator":",","decimal_separator":".","decimals":2},"base_url":"https:\/\/www.ehealthinsurance.com\/resources\/wp-content\/plugins\/gravityforms","number_formats":[],"spinnerUrl":"https:\/\/www.ehealthinsurance.com\/resources\/wp-content\/plugins\/gravityforms\/images\/spinner.gif"}; Newsletter Sign up for our eHealth Newsletter email to receive updates that will help you! Email* This iframe contains the logic required to handle Ajax powered Gravity Forms. jQuery(document).ready(function($){gformInitSpinner( 1, 'https://s27829.pcdn.co/resources/wp-content/plugins/gravityforms/images/spinner.gif' );jQuery('#gform_ajax_frame_1').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_1');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_1').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;if(is_form){jQuery('#gform_wrapper_1').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_1').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_1').removeClass('gform_validation_error');}setTimeout( function() { /* delay the scroll by 50 milliseconds to fix a bug in chrome */ jQuery(document).scrollTop(jQuery('#gform_wrapper_1').offset().top); }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_1').val();gformInitSpinner( 1, 'https://s27829.pcdn.co/resources/wp-content/plugins/gravityforms/images/spinner.gif' );jQuery(document).trigger('gform_page_loaded', [1, current_page]);window['gf_submitting_1'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}setTimeout(function(){jQuery('#gform_wrapper_1').replaceWith(confirmation_content);jQuery(document).scrollTop(jQuery('#gf_1').offset().top);jQuery(document).trigger('gform_confirmation_loaded', [1]);window['gf_submitting_1'] = false;}, 50);}else{jQuery('#gform_1').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger('gform_post_render', [1, current_page]);} );} );if(typeof gf_global == 'undefined') var gf_global = {"gf_currency_config":{"name":"U.S. Dollar","symbol_left":"$","symbol_right":"","symbol_padding":"","thousand_separator":",","decimal_separator":".","decimals":2},"base_url":"https:\/\/www.ehealthinsurance.com\/resources\/wp-content\/plugins\/gravityforms","number_formats":[],"spinnerUrl":"https:\/\/www.ehealthinsurance.com\/resources\/wp-content\/plugins\/gravityforms\/images\/spinner.gif"};jQuery(document).bind('gform_post_render', function(event, formId, currentPage){if(formId == 1) {if(typeof Placeholders != 'undefined'){
Humana Inc. and its subsidiaries (collectively, “Humana”) comply with applicable federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity or expression, transgender status, marital status, military or veteran status, or religion. See our full accessibility rights information and language options.
DentalPlans.com isn’t an insurance company, but they work with dental service providers to reduce the cost to see an out-of-network dentists. In this way the company gives access to some of the same dental benefits offered by employers through typical group insurance, but more closely resembles a prescription discount card. For example, the estimate we received for a 6-month checkup was only $15. The annual cost for the plans range from $100 – $175 depending on the location and number of people covered.
*Out-of-network/non-contracted providers are under no obligation to treat Preferred Provider Organization (PPO) plan members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
« 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;}
There are many insurance companies that offer dental services to seniors. Many are part of the group of insurance companies that fall under Medicare part C. While every insurance company under Medicare Part C offers the same medical coverage as Medicare Part A and Part B, they sometimes offer additional services such as dental coverage. Even so, the types of dental coverages that they offer are not identical.
Humana individual dental plans are insured or offered by Humana Insurance Company, HumanaDental Insurance Company, Humana Insurance Company of New York, The Dental Concern, Inc., CompBenefits Insurance Company, CompBenefits Company, CompBenefits Dental, Inc., Humana Employers Health Plan of Georgia, Inc., Humana Health Benefit Plan of Louisiana, Inc., or DentiCare, Inc. (DBA CompBenefits). Discount plans are offered by HumanaDental Insurance Company, Humana Insurance Company, or Texas Dental Plans, Inc. Arizona residents insured by Humana Insurance Company. Texas residents insured or offered by Humana Insurance Company, HumanaDental Insurance Company, or DentiCare, Inc. (DBA CompBenefits).
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