We evaluated 24 dental insurance companies and found the three top choices for seniors based on the cost of premiums, the number of in-network dentists and overall cost savings. Our top three picks are DentalPlans.com, Spirit Dental and 1Dental.com. In this guide, we will discuss what you need to look for in dental insurance, why seniors need dental insurance and we’ll share details about the top companies. We included helpful frequently asked questions about dental insurance as well.
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Dental Health Maintenance Organization plans entail dentists contracting with a dental insurance company that dentists agree to accept an insurance fee schedule and give their customers a reduced cost for services as an In-Network Provider. Many DHMO insurance plans have little or no waiting periods and no annual maximum benefit limitations, while covering major dental work near the start of the policy period. This plan is sometimes purchased to help defray the high cost of the dental procedures. Some dental insurance plans offer free semi-annual preventative treatment. Fillings, crowns, implants, and dentures may have various limitations.
Most independent dental insurance plans will only pay for your dental services if you go to a contracted and participating in-network dentist. Find out if you are required to go to a participating dentist or if you can choose your own. If the plan requires that you see an In-Network Dentist, ask for a list of the dentists in your area with whom they are contracted so you can decide if they have a dentist you would consider seeing.
Spirit Dental is the online storefront for Direct Benefits, a company started in 2001 by Tom Mayer, who wanted dental coverage to be affordable for all Americans. While Direct Benefits serves as a broker for employee benefits and consultants, Spirit Dental is meant for online consumers who can buy coverage right on the website or talk to one of their many agents and providers nationwide.
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.
HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in a health plan. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.
A dental plan is not dental insurance, but is instead a way to get discounts on the care you need. Their dental plans offer savings of anywhere from 10% to 60% on dental procedures with no limits or wait times to get care. With dental plans, you also do not have to fill out time consuming paperwork - you can simply go to a dentist that you choose within their network and get the services you need.
If you're struggling to find an affordable dental insurance, your state might offer some programs that could help you. Many states have assistance programs for those who are unable to pay for dental care themselves. To find out whether your state has a program, visit the National Association of Dental and Cranialfacial Research, as well as the Association of State and Territorial Dental Directors. Their websites have links and information about how to get low-cost dental care in your state.
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.