Copyright © 2011–2018 Delta Dental of Tennessee | All Rights Reserved | 240 Venture Circle, Nashville, TN 37228 | (800) 223-3104 The information provided on this site is for general education purposes only and is not intended as a diagnosis, treatment, or a substitute for professional medical or dental advice, diagnosis, or treatment. Consult your dentist or physician for information or treatment specific to you and your health.
Many seniors have dental health issues, and hope that by purchasing a standard insurance plan they will be able to afford to get treatments that they have been delaying due to cost. Unfortunately traditional dental insurance often does not cover preexisting conditions, nor will it pay to replace teeth that were lost prior to purchasing the coverage.
Choosing a plan that’s right for you depends on many factors, including the ages and number of people in your family, and whether you or a family member needs orthodontic care. Some dental plans provide low copays, while others provide discounts on services. No matter which plan you select, you’ll have access to a large network of dental providers.
Yes. Plans vary by state and not all discount or low-cost senior dental plans cover the same services. Some have limited services or only pay so much per year before they max out on benefits. Some may not cover routine care, such as cleanings. It is important to compare dental plans and look for value rather than just for lower monthly premiums. Your goal is always to find the best plan that fits your dental needs and budget.
The Dental Care Cost Estimator sometimes groups together, into "treatment categories," services that are often delivered together to address a particular dental problem. The description of different treatment categories, and the inclusion of particular services in a treatment category, is not advice that any particular treatment category is the right treatment for you or that you should not obtain any particular treatment. All of those matters are things that you should decide, in consultation with your dental care professionals. This cost estimator is intended for use in the 50 states, Puerto Rico and other U.S. territories. If you live outside the U.S., you may see information on this cost estimator about products or services that are not available or authorized in your country.
Another kind of dental insurance plan is a DPPO which is similar to a health insurance PPO plan. What they do is they work out lower rates with dentists that are in their network who are often referred to as their preferred providers. With this plan, you can visit a dentist outside of your network, but you will not be able to get these low rates and you will likely end up paying more. Many DPPOs provide coverage of preventative care, basic procedures, and major procedures, but they only provide a percentage of this care for each.
With the rising cost of going to the dentist, many people are struggling with the decision of whether or not to purchase dental insurance. Whether you are considering buying dental insurance through your employer or independently, be sure to investigate several different plans and ask questions about the factors listed below. This information will help you choose the right dental insurance plan before signing on the dotted line.
Find a local dentist, access your insurance cards, or provide your doctor with critical information on the go with the Dental Select Mobile ID app. We provide superior dental insurance for seniors, as well as individuals and families, and our mobile app makes it simple for subscribers and covered family members to get the information they need anytime, anywhere.
* Premium initial quote for basic and premiere benefit level. Actual benefits and rates vary by state. The supplemental benefits referenced are taken from PPO Dental Policy Form CH DEN PPO TX 417, or its state variation which is underwritten by The Chesapeake Life Insurance Company. Administrative offices located in North Richland Hills, TX. Product availability varies by state. A complete list of benefits, exclusions and limitations is available upon request. Please contact a licensed agent and refer to the Policy.
Dental health is an important part of your overall wellness, and not having insurance may tempt you to skip regular cleanings and checkups – a decision that could lead to serious dental health problems down the road. Spirit Individual Dental Insurance plans are designed to help fill these types of gaps by offering a variety of plans and price points.
One of their popular plans is the My Dental Plan that allows you to customize your plan for what you need. It has a $50 deductible per person. You can customize the plan for either one or two cleanings per year and choose to have preventative care covered at 80% or 100%. When it comes to basic care, they offer the choice of 50% coverage and 80% coverage. For major car, they cover either 50% or 0% depending on the plan you choose. Their annual maximums are either $500, $1,000, or $1,500.
Dental providers contract with dental savings plans to provide the same quality dental work at reduced prices. The concept is a familiar one – it’s the same model used by discount clubs like Costco and Sam’s. Dentists realize that for many seniors, insurance is not the best option and, in many cases, doesn’t provide all of the coverage they really need. You benefit by gaining access to discounts of up to 60% on routine and major oral healthcare.
Dental insurance companies sort the different types of dental procedures into different classes. There are five different types of classes. Class I is for diagnostic and preventative care which include things like x-rays, exams, and cleanings. Class II is for basic care and other procedures such as fillings. Class III dental care usually refers to major care and procedures such as dentures, bridges, implants, and crowns. Finally, Class IV dental procedures are orthodontics.
In order to save the most with your Humana plan, you'll have to use a dentist in their network, although they do offer you the ability to use dentists outside their network if you’re willing to pay higher fees. If you want to see a specialist, you will need to get a referral from your primary care dentist. They also offer dental savings plans which are dental discount plans rather than insurance. These plans provide discounts on your dental procedures of up to 45%.
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.
Dental insurance plans typically cost more than discount plans, but they make actual plan payments to dental providers. Dental insurance plans usually have an annual benefit maximum of $1000 up to $3000 per year that can be paid out depending on the plan. Though insured dental plans may cost more than discount plans they may be a better solution if you need more dental care or have been accustomed to using dental insurance plans before.
You want to make sure that the plan that you get has great customer service so that if you have a problem you will be able to get the help that you need. Check their website to see whether they have a phone number, e-mail address, or instant messaging service that allows you to contact them. Do a quick internet search to see what people are saying about their customer service.
The term “full coverage” can mean different things to different people. For some, “full coverage” means a dental insurance plan that covers basic services like routine checkups, cleaning and X-rays. Others expect a full-coverage plan to reduce the cost of any dental services they may need. The good news is that Humana has a range of dental plans, including both dental insurance and dental discount plans, so you can find the coverage that best fits your needs.