Products and services offered are underwritten by All Savers Insurance Company, Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Plans (NJ), Inc., UnitedHealthcare Benefits Plan of California, UnitedHealthcare Community Plan, Inc., UnitedHealthcare Insurance Company, UnitedHealthcare Life Insurance Company, UnitedHealthcare of Colorado, Inc., UnitedHealthcare of Alabama, Inc., UnitedHealthcare of Arkansas, Inc., UnitedHealthcare of Florida, Inc., UnitedHealthcare of Georgia, Inc., UnitedHealthcare of Kentucky, LTD., UnitedHealthcare of Louisiana, Inc., UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of the Midlands, Inc., UnitedHealthcare of the Midwest, UnitedHealthcare of Mississippi, Inc., UnitedHealthcare of New England, Inc., UnitedHealthcare of New York, Inc., UnitedHealthcare of North Carolina, Inc., UnitedHealthcare of Ohio, Inc., UnitedHealthcare of Oklahoma, Inc., UnitedHealthcare of Pennsylvania, Inc., Unitedhealthcare of Washington, Inc.
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.
In general the dental insurance companies at the top of our review list provide a range of plan options to numerous areas of the country. We also considered average yearly preventive care costs across numerous zip codes and compared that number to possible yearly premium costs. This helps predict whether the premium costs would, on average, be less than the cost of preventive care paid out of pocket. Keep in mind that co-pays and other small fees might also determine whether you will break even by paying for dental insurance, but our numbers can give you a general idea of what you can expect. It was not surprising to learn that those who charge a higher premium may cover more and those with a lower premium might cover less. This means that if you pay more monthly you might receive more complete coverage, and if you pay less per month you might be expected to pay a bit more during the time of treatment. So you'll need to decide whether you want to pay more per month or make up a bit of the difference when you visit your dentist.
If you are changing insurance and want to continue with your current dentist, you can visit the websites of insurance companies you are thinking about signing up with and search to see if your dentist accepts the new type of insurance. However, sometimes these search results aren't updated or only show offices seeking new patients, so you'll want to verify by calling your dental office.
« 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;}
Many provide as much as 100% coverage preventative services and then less on basic procedures usually 50% to 80%, and usually 50% to 0% on major care or things like crowns. Often there is some fine print with these plans and they do not cover certain procedures. They also have a maximum annual benefit and a deductible that you have to pay before they start coverage. There also can potentially be waiting periods on certain types of procedures but you don’t always have to get a referral to see a specialist.

Finding dental insurance for seniors doesn’t need to be an ordeal. Our customized senior dental insurance plans offer a variety of options designed specifically for the unique dental needs of seniors. And with additional savings and discounts, including EyeMed Discount Vision and Connection Hearing, your benefits are comprehensive and affordable. Our senior plans start at as low as $33 a month.


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.
These dental schools either offer discounts or provide free dental services in order to get patients they can practice on. While they do all sorts of different procedures, it’s probably best to go to them for more routine care like cleanings, check ups, x-rays, and small cavities. If you have a more complex procedure to get done, you might better off going to an expert instead.
Some of the benefits of a Carrington dental plan are the low fees, the fact there is no waiting, and that you can choose your own dentist amongst their network. There are also no limits on your coverage and you don't have to fill out any paperwork. Some downsides are that you will likely end up paying more for your procedures than if you had one of the best dental insurance plans.
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For those seniors who enjoy good dental health and are looking mainly for preventive care and basic services, Ameritas Dental may be a good option to consider. For those looking to save money, if you only need one preventive/maintenance checkup per year, you can buy a dental plan through Ameritas that will cost less than plans with more services. The company also offers a dental rewards program where you can roll over unused coverage from one policy term to the next if you did not use dental services during the year.
Our dental insurance plans include options to see ANY DENTIST YOU LIKE or choose from 400,000 + access points nationally. The dentists and dental providers in the network dental insurance plans have agreed to provide discounts to our plan members for the same quality treatments and procedures that they provide to non-members. When you visit the dentist, you pay the discounted price and save!
Examples of dental costs with the Careington 500 plan are $15 for an oral exam, $31 for a cleaning, $483 for a crown and 64 percent off of dentures. The prices quoted on the website are in the Fort Worth, Texas area, with savings of 60 to 74 percent off dental services and 20 percent off orthodontia. Cost of procedures may vary depending on your location.

If you read our article on discount dental plans, you may think we are 100% against dental insurance. We are not. We simply know seniors can get sucked into paying high premiums with equally high out-of-pocket costs with no major insurance advantage. But, affordable dental insurance for seniors is possible that balances the right premiums, out-of-pocket costs, and coverage.
You’ll pay less for your dental needs when you have coverage. Most procedures, even braces and dentures, come at a fraction of the price you’d pay without benefits. We also contract with dentists to offer you discounted rates, so you’ll only pay a portion of those reduced rates. Plus, our DeltaCare USA and Delta Dental PPO plans include a broad range of services to cover your oral health needs.
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