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*Examples only. These are the average costs the patient will pay per procedure with an in-network provider and are based on averages across Atlanta, Cincinnati, Los Angeles, Manhattan and Saint Louis. Actual costs and savings may vary by provider, geographic area, and service received. There are limitations and exclusions to the discount available. For example, general anesthesia, implants, and/or cosmetic dentistry are not discounted services. Upon purchase, refer to your policy for more information on the limitations and exclusions that apply. Coinsurance listed is for Prime Plan C.
I could have paid the average of $360 a year for a dental policy in my twenties. Or I could have paid out of pocket for two dental exams, including cleanings and X-rays, which, in 2011, cost an average of $370 combined. In that case dental insurance wouldn’t have saved me much money. And if I went to a dental school or clinic for treatment, I could have saved even more on out-of-pocket costs.
This information is provided by Ameritas Life Insurance Corp. (Ameritas Life). This provides a very brief description of some of the important features of this insurance policy. It is not the insurance policy and does not represent it. A full explanation of benefits, exceptions and limitations is contained in the Individual Dental Policy Form Indiv. 9000 Rev. 07-16 and Vision Policy Form Indiv. 9000 Ed. 07-16-V. Premium rates may change upon renewal. This policy is renewable at the option of the insured. This product may not be available in all states and is subject to individual state regulations.

2Delta Dental PPO is underwritten by Delta Dental Insurance Company in AL, DC, FL, GA, LA, MS, MT, NV and UT and by not-for-profit dental service companies in these states: CA – Delta Dental of California; PA, MD – Delta Dental of Pennsylvania; NY – Delta Dental of New York, Inc.; DE – Delta Dental of Delaware, Inc.; WV – Delta Dental of West Virginia, Inc. In Texas, Delta Dental Insurance Company provides a Dental Provider Organization (DPO) plan.


Savings plans are NOT insurance and the savings will vary by provider, plan and zip code. These plans are not considered to be qualified health plans under the Affordable Care Act. Please consult with the respective plan detail page for additional plan terms. The discounts are available through participating healthcare providers only. To check that your provider participates, visit our website or call us. Since there is no paperwork or reimbursement, you must pay for the service at the time it’s provided. You will receive the discount off the provider’s usual and customary fees when you pay. We encourage you to check with your participating provider prior to beginning treatment.
Depending on the type of insurance you’re looking at, the network of your dental insurance provider could be crucially important. Check to see how many dentists they have in their network and if your current dentist is in it or if there is a dentist who has an office near you that you would want to go to. Another thing to consider is whether the insurance provider will let you go see dentists outside their network, what the costs will be, and whether you need a referral when you need to see a specialist.
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.

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.
The Dental Care Cost Estimator provides an estimate and does not guarantee the exact fees for dental procedures, what services your dental benefits plan will cover, or your out-of-pocket costs. Estimates should not be construed as financial or medical advice. For more detailed information on your actual dental care costs, please consult your dentist or your Delta Dental.
Aetna’s dental discount network includes over 161,000 dentists, and Careington says over 100,000 dentists participate in their plan. We searched for providers from a less populated location in the U.S. and found no dentists from the Aetna plan while the Careington plan had four dentists, although the offices were located 100 miles from the zip we used. If there are no providers available in a reasonable distance from your home, you can nominate dentists, and Careington will contact them to request participation. Dental providers usually join the network within 60-90 days.
Since buying cheap dental insurance will mean that going to the dentist could cost you more, you might also be less likely to go to the dentist or you could put the visit off if you have a problem. This could lead to bigger issues with your dental health which could lead to more expensive procedures and treatment. For example, if you put off treating a cavity, you could end up needing a root canal.
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.
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.
(AL – 662369), (AK – 100116668), (AZ – 1039447), (AR – 100108201), (CA – 0I22561), (CO – 419732), (CT – 2424421), (DE – 1326873), (DI – 3041371), (FL – L088857), (GA – 172259), (HI – 423474), (ID – 439793), (IL – 100640719), (ID – 869503), (IA – 1002207278), (KS – 461715304-0), (KY – DOI-805173), (LA – 582580), (ME – AGN213175), (MD – 2112735), (MA – 1930638), (MI – 100259), (MN – 40325516), (MS – 15021382), (MO – 8287507), (MT – 770689), (NE – 100196040), (NV – 876621), (NH – 2268499), (NJ – 1515723), (NM – 100012274), (NY – LA-1375260), (NC – 461715304), (ND – 2000115021), (OH – 985962), (OK – 100151491), (OR – 100213920), (PA – 666488), (SC – 193263),(SD – 10016345), (TN – 2238715), (TX – 1821698), (UT – 436588), (VT – 873256), (VA – 133866), (WA – 828648), (WV – 100149165), (WI – 100196806), (WY – 238959)
eHealth Insurance was started in 1997 and it was the first platform used to sell health insurance over the internet. eHealth has over 5 million customers in 50 states. The company doesn’t provide dental insurance themselves, but acts as an insurance broker or marketplace. They have partnerships with over 180 health providers and they sell over 10,000 different health insurance products online.
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.
Although discount plans are also sold by private companies, they are not insurance plans. There are no copays, coinsurance, or deductible amounts. That also means that there are no pre-negotiated rates or free yearly checkups and cleanings. A participating dentist simply agrees to offer discounts (often a percentage off from the total price) for certain medical services. Then, seniors who choose discount plans will pay their dentist directly for the cost of services (after the discount).
One example of a plan that is offered through eHealth is the Dominion Dental Services PPO Discount plan which has no deductible. They provide 100% coverage on most preventative and diagnostic procedures and 45% to 60% coverage on all other procedures including children’s orthodontics. They have no maximum annual benefit and they have no waiting period for things like cleaning, extractions, x-rays, and oral surgery but they have waiting periods but you have to use a dentist within their network.

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.
MedicareWire.com is an independent research, technology and publishing organization. We are not affiliated with Medicare, Medicare plans, insurance carriers, or healthcare providers, nor are we compensated for Medicare plan enrollments. We are affiliate with the dental savings plans mentioned on this page and may receive compensation if you join a plan. For more information, see our disclosure page.
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.
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MyCigna Dental 1000 is another plan that they offer. It has a $50 individual deductible and a family deductible of $150. The plan provides coverage for preventive care, diagnostic, and restoration care. It provides up to $1,000 worth of benefits annually and you also receive discounts on orthodontic work if you use a dentist in their network – but they don’t provide orthodontic coverage.
Does this sound good? Maybe. You’ll pay for everything…at a discount. How does this compare to traditional dental insurance? In our opinion, you may end up paying the same or less, generally speaking. While you have to pay for preventative care, it is at a discount. Compare with dental insurance, which the preventative care is free but you generally pay a higher monthly premium.
Depending on the type of insurance you’re looking at, the network of your dental insurance provider could be crucially important. Check to see how many dentists they have in their network and if your current dentist is in it or if there is a dentist who has an office near you that you would want to go to. Another thing to consider is whether the insurance provider will let you go see dentists outside their network, what the costs will be, and whether you need a referral when you need to see a specialist.
The cost estimates provided may be different from your actual costs for several reasons, including but not limited to, your unique dental circumstances and the decisions made by you and your dental professionals as to what services you will receive, deviations between the anticipated scope of services and the services actually provided, and the characteristics of your particular plan.
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.
There can sometimes be significant differences between the dental insurance plans that employers sponsor and those that you obtain as an individual. One big (and obvious) difference is that usually employers pay for part or all of the dental insurance plan, whereas if you're buying a plan by yourself you have to pay for the whole thing. Some employers are also able to get a better deal because they're buying insurance in in bulk for all their employees. But, if you shop around, you could potentially get a plan that is similarly priced or even cheaper.

Under the federal law, dental benefits are an optional service for state Medicaid programs. States can include adult dental benefits in their Medicaid programs. Many states do provide dental benefits for adults; however the status and extent of those benefits vary by state and by year, depending on the availability of state funds to support such benefits.
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.
Your Current Dental Health – Do you have pending dental needs, such as needing dentures, extractions, crown replacement, etc? This is all about the state of your mouth, teeth, and oral tissue today and for the next six months. That time frame is important because many dental insurance policies have a waiting period before you can use their benefits. For most, that period is six months.
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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.
If you're wondering if the Affordable Care Act of 2014, also known as Obamacare, affects dental coverage – it does. You can buy health coverage through the online health insurance marketplace that includes dental coverage. You can also purchase a standalone dental insurance plan through the health insurance marketplace, but in order to do so you have to also purchase a standalone health plan through the marketplace.
They offer a quick online application and an online tool in order to make it easy to compare the best dental insurance options, and the promise that you can be approved in as little as 24 hours. Their dental insurance plans are for families, groups, or individuals. Policies start from $10.29 per month and premiums depend on the insurer that you choose.
As a Medicare beneficiary, you are free to shop for a stand-alone private dental plan for seniors. Some dental plan types are PPO plans* and others are indemnity plans. A PPO stands for preferred provider organization. This is a type of plan that contracts with dental providers to create a network of participating providers. If you want to use a dentist out of network, you usually can for an additional cost. An indemnity plan allows you to visit almost any dentist you like with the plan paying a portion of your total charges. Indemnity plans are also called “fee-for-service” plans.
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.
UnitedHealthcare has a large number on in-network preferred providers, over 200,000, so you won’t have any trouble finding a dentist in the plan. Cleanings and X-rays are covered 100 percent. Here are the charges you pay for basic services: exam - $25; root canal - 50 percent; fililngs - 30 percent; extractions - 30 percent. The coverage has no age maximum limitations. Deductible limits are $50 - individual, $150 - family of three with a 6-12 month waiting period for certain services. Cleanings and X-rays are covered with zero co-pay or deductible twice yearly.

Most full coverage dental insurance plans will cover two preventive maintenance visits per year without requiring a deductible payment. Most require a $50 deductible per person, per year to help cover costs beyond your preventive exams. If you need work done, most plans will cover a part of the costs. We looked at root canals specifically and found that the majority of dental plans will cover about half the cost, which may not seem like a lot, but paying half is better than paying upfront for an $800 root canal. However, keep in mind that most insurance policies, depending on your plan, top out at about $1000 to $1500 per year. Using conservative estimates that might be one or two root canals. If you need extensive work done you might have to pay the remaining amount out of pocket.
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