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.


You’ll want to go to an in-network dentist as they usually have better, contracted rates. We’ll show an example of that in a minute. Cleaning or preventative care visits are typically covered at 100%. Basic or major services visits are typically covered at 80% and 50%, respectively. What does this mean? If you go to an in-network dentist for a tooth filling (80%) whose contracted rate is $200, you’ll have to pay $40 out of pocket ($200 X (1 – .80)).
#wp_cta_10789_variation_0 #cta_container .button {display: block;cursor: pointer;width: 200px;font-size: 22px;margin: auto;margin-top: 15px;margin-bottom: 15px;height: 50px;line-height: 50px;text-transform: uppercase;background: #db3d3d;border-bottom: 3px solid #c12424;color: #fff;text-decoration: none;border-radius: 5px;transition: all .4s ease-in-out;}
“Humana” is the brand name for plans, products, and services provided by one or more of the subsidiaries and affiliate companies of Humana Inc. (“Humana Entities”). Plans, products, and services are solely and only provided by one or more Humana Entities specified on the plan, product, or service contract, not Humana Inc. Not all plans, products, and services are available in each state.
People buying their own dental insurance (as opposed to those covered by an employer's plan) sometimes get a nasty surprise when they sign up: a waiting period. Unlike regular health insurance, in which coverage usually starts immediately or at the beginning of the next month, dental plans often come with a delay between enrollment and the actual onset of coverage for some or all services. It could be six months to a year or more.
(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)
Another downside of buying your own dental insurance is that you might not be able to afford the same type of coverage, which means that you could potentially have fewer benefits than you would if you had gotten it through your employer. That might mean that you have less access to certain types of treatment or that in order to get an affordable plan with good coverage, you’ll have to choose one where you have to stay within the plan’s network.

* 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.
Our top three choices offer an excellent selection of policies and discounts that can protect your savings without requiring you to pay excessive premiums. The companies service almost all markets in the U.S. Remember that you can probably go out of network to see the dentist you prefer, but you will pay more out of pocket for doing so. If you have a favorite dentist, call their office to ask what dental insurances consider them in-network.
In addition to companies listed here, you can check out other options by using a dental insurance search engine, such as the one available at the Dental Insurance Store. There you can plug in your age and ZIP code and get a list of plans available in your area. Along the left side of the screen, you can select various options that may be important to you – such as “no waiting period.”
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.

1DeltaCare USA is underwritten in these states by these entities: AL — Alpha Dental of Alabama, Inc.; AZ — Alpha Dental of Arizona, Inc.; CA — Delta Dental of California; AR, CO, IA, MA, ME, MI, MN, NC, ND, NE, NH, OK, OR, RI, SC, SD, VT, WA, WI, WY — Dentegra Insurance Company; AK, CT, DC, DE, FL, GA, KS, LA, MS, MT, TN, WV — Delta Dental Insurance Company; HI, ID, IL, IN, KY, MD, MO, NJ, OH, TX — Alpha Dental Programs, Inc.; NV — Alpha Dental of Nevada, Inc.; UT — Alpha Dental of Utah, Inc.; NM — Alpha Dental of New Mexico, Inc.; NY — Delta Dental of New York, Inc.; PA — Delta Dental of Pennsylvania; VA – Delta Dental of Virginia. Delta Dental Insurance Company acts as the DeltaCare USA administrator in all these states. These companies are financially responsible for their own products. The plan is a dental HMO in CA and TX.


A PPO, or preferred provider organization, is the most common type of dental insurance. This plan has arranged reduced rates with dentists. These dentists are called in-network because they will work with the insurance company. You can go out of network if you have a PPO plan, but you will not get the benefit of the reduced rates. It’s best to check to see if your preferred dentist is in-network before you buy insurance.
AARP, Aetna, Blue Cross, Humana, and Delta Dental are a few of the many insurance companies that offer dental plans to seniors. Each company may offer more than one type of dental plan and it is important to pay close attention to more than just the cost of the dental policy. Choosing the best dental plan for a senior is a balancing act between cost, affordability, and need. A good approach is to start by understanding what the senior’s dental needs are and then make a table so that as you begin to compare the different dental plans you can narrow down those plans that are good and remove those plans that are either too costly for the coverage they provide or that do not fit the senior’s dental needs.
After you are approved and sign up for a plan, you can often use it within 24 hours, but it can sometimes take up to 72 hours for it to go into effect. Some plans offer additional savings on things like prescriptions, hearing care, and vision care. Some plans also include discounts on things like cosmetic dentistry, and orthodontics. These plans charge an affordable membership fee that can start as low as $10 per month. In order to get set up, you do have to pay a fee of around $15, but this cost is sometimes offset by giving you a free month on your plan.

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.
Medicare recipients are legally permitted to purchase dental plans on the ACA Marketplace, but the process isn’t easy. As noted in the section above, stand-alone dental plans are not eligible for subsidies.  And in the states where the ACA Marketplace is run by the federal government, dental coverage is available only to those who also buy health insurance.
We understand that individuals and families are looking for dental insurance solutions to fit their specific needs. Our dental insurance plans include options for any budget and tailored coverage options offering dental care choices for individuals or families. With choices for higher maximum benefit amounts with more coverage if needed, options if your child needs braces, and immediate coverage on most services, we have a dental insurance plan for you. Discover more about our dental insurance plans below:
You’ll want to go to an in-network dentist as they usually have better, contracted rates. We’ll show an example of that in a minute. Cleaning or preventative care visits are typically covered at 100%. Basic or major services visits are typically covered at 80% and 50%, respectively. What does this mean? If you go to an in-network dentist for a tooth filling (80%) whose contracted rate is $200, you’ll have to pay $40 out of pocket ($200 X (1 – .80)).
As time passes, many seniors leave dental coverage (and vision and hearing) behind. Then, when they need it, it is too late. Waiting can be devastating in some cases as many insurances have waiting periods for certain services. For example, a routine filling for a cavity typically requires a 6-month wait. If you can’t wait that long, you will have to pay the cost in full.
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.
Our top three choices offer an excellent selection of policies and discounts that can protect your savings without requiring you to pay excessive premiums. The companies service almost all markets in the U.S. Remember that you can probably go out of network to see the dentist you prefer, but you will pay more out of pocket for doing so. If you have a favorite dentist, call their office to ask what dental insurances consider them in-network.
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.
×