TOP Dental Plans For Seniors In The USA For 2023
There is no upper age limit for wanting to have a gorgeous smile, and senior citizens frequently have unique dental requirements. In addition, those over 65 are often more likely to experience oral health issues such cavities, gum disease, and oral cancer.
Only 53% of Medicare recipients have dental insurance to pay the costs of treating these oral health issues. 1 Unfortunately, many senior citizens must give up their employer-provided health insurance when they retire, and the majority of Medicare-sponsored plans provide scant or no dental coverage.
As a result, the majority of elderly people may require affordable dental insurance. Based on their accessibility, the number of in-network providers, coverage options, and other factors, we have compiled a list of the top dental insurance providers.
TOP Dental Plans For Seniors In The USA
One of the biggest dental insurance carriers in the US, Humana offers programs for companies, groups, and individuals. In addition to having excellent customer service and cost-effective plans, Humana is well-liked by seniors since it provides unique programs for veterans and an outstanding loyalty program to the majority of customers.
These plans can be paired with vision insurance and may offer discounts on prescription medications, hearing screenings, and complementary and alternative medicine. Finding care with Humana is simple online, via the mobile app, or by phoning customer support. Its network includes 335,000 dental care providers.
Benefits under Humana’s Loyalty Plus Dental Plan grow annually for three years.
Policyholders receive excellent discounts on numerous services when they combine their dental and vision coverage.
With a PPO plan, patients can see specialists without seeing a primary-care dentist.
An app for mobile devices and practical online features expedite the process.
Veteran-specific reductions and offers
Increased costs for smokers
Regular enrollment costs
Not all plans are offered in all states.
The Dental Savings Plus Discount Plan is the most economical of the many programs that Humana offers. It is a straightforward pricing plan that is accepted by included dentists rather than insurance. Customers save an average of $14 on copays for non-emergent clinic visits by paying a flat monthly rate of $6.99 and a $15 enrollment fee. Some of the plans include a $35 enrollment fee, and prices change based on your state of residence, age, if you smoke, and the package you select. Top choices are Preventive Value, Loyalty Plus, and Humana Bright Plus for Veterans. The latter is the most comprehensive (and expensive) plan because it includes a one-time deductible rather than an annual one.
Under the Bright Plus for Veterans program, Humana dental insurance is the most practical and affordable option currently available for people who have served in the military. To take advantage of the tremendous advantages of this unique program, a one-year commitment is all that is necessary. The MyHumana app makes it simple for seniors to identify a dentist, examine benefits and coverage, access account information, track the status of claims, look up medication pricing, find a drugstore, and even refill prescriptions.
Cigna is a renowned dental insurance company with more than 92,700 dentists and over 309,000 provider locations countrywide. Cigna is a leading dental insurance option for those who enjoy traveling or are thinking about relocating overseas for a lengthy period of time. A cost-effective preventative care plan from Cigna covers all associated costs, including exams, X-rays, simple cleanings, and fluoride treatments, to name just a few.
For office visits, the plan has no deductibles or copayments. Many elderly citizens value the fact that Cigna Dental PPO plans don’t demand that members submit their own claims or pay the full cost of services up front. Dentists covered by Cigna always submit claims; you just pay the remaining balance. Another advantage is that you are not required to select a primary dentist if you don’t want to.
Pros A big provider network makes coverage available nationally.
Plans include X-rays, cleanings, and biannual examinations.
Patients with PPOs are not required to have a main dentist.
There are no patient claims to submit
a user-friendly patient portal application
The level of coverage and benefits varies by state.
Waiting period of one year before higher-level coverage becomes active
Payout %s for fundamental services are lower than those of other providers.
Cleanings, fluoride treatments, dental exams, X-rays, sealants, and non-orthodontic space maintainers are all covered by the Cigna Dental Preventive plan. These are twice a year completely covered. The Cigna Dental 1000 plan offers a $1,000 annual cap per person and deductibles of $50 for individual plans and $150 for family plans. The Cigna Dental 5000 plan, which offers the most coverage, has a maximum annual cap of $5,000 per person and a maximum $250 per person deductible.
Although there is a one-year waiting time before significant operation coverage is available under either plan, dental work including root canals, crowns, and fillings are partially covered. While the Dental 1000 plan does not cover orthodontics,Cigna, however, has you covered with a selection of plans and levels of coverage in-between the two. State-specific plan costs vary greatly, but normally fall between $20 to $60 per person each month.
Seniors looking for affordable, flexible dental insurance with worldwide coverage should seriously consider Cigna. As a PPO, you have access to a wide range of providers and no primary dentist. It is highly practical because Cigna also covers a percentage of the majority of services from non-network providers. The company’s website is simple to use for older individuals, and they won’t ever have to worry about filing claims or paying out of pocket for things that are covered.
3.Spirit Dental & Vision
Among dental insurance companies, Spirit Dental stands out for a number of reasons that will particularly interest seniors. Spirit Dental offers plans without waiting periods for routine dental treatment or even significant procedures like bridges and crowns, in addition to those with in-network provider alternatives and those where you can choose your own doctor. Customers receive three annual cleanings and two free tests with every plan, which is unusual for the sector.
Additionally, your discounts increase the longer you keep your plans. In addition to dental insurance, Spirit Dental also offers add-on policies for vision, life, and disability. Although it doesn’t rule out any applications, it does preclude some pre-existing issues, such as damaged implants, teeth, or dentures.
Pros No applications are rejected.
Senior Preferred Network, a network designed just for seniors, with extremely senior-friendly regulations
lifetime deductible of $100
Benefits up to $5,000 annually are higher than those of most rivals.
Covers only dental problems experienced during the policy’s validity
Out-of-network providers are more expensive.
Spirit Two people are covered by dental policies, but the business also provides family coverage. Prices for couples might range from $45 to $200 per month on average, depending on the plan you select and your area. Family plans are more expensive, but they offer coverage with a $5,000 limit and a $100 lifetime deductible. 100% of preventive care is covered, and adding vision insurance costs as little as $7 per month.
Spirit Dental offers more advantages than other organizations for seniors who want to commit to a single dentist over the long term. The majority of routine operations are up to 65 percent covered in the first year of coverage, making its policy premiums reasonable. By the third year of coverage, these savings might reach 90%. Additionally, you can save money on more pricey procedures and dental implants.
Four basic dental insurance plans from Guardian are available to seniors who want to improve their oral health without breaking the budget. Of all the businesses we looked at, Guardian seems to provide the best coverage at the most affordable prices. It boasts a vast network of providers and service places, but there is a catch: Guardian only has around half as many providers as many other providers on this list, with over 120,000 in 400,000 locations countrywide.
The “search by ZIP code” feature on the Guardian website can be used by senior citizens living in certain states to locate some fantastic discounts and dental insurance. Plans frequently give up to 80% reductions on routine operations like extractions and fillings while covering the entire cost of preventive care such as routine cleanings and X-rays.
Both dental providers in-network and out-of-network will fully cover preventive care.
More than 100,000 dentists are included in the Guardian network.
The online dental cost estimator is precise.
online account portal that is simple to utilize
Currently, some of the plans are only offered in a few states.
waiting times almost for every plan
The four dental plans offered by Guardian are Diamond, Achiever, Core, and Starter. The cost of the plan varies according to the state you reside in and the kind of coverage you require. The cost of the plans varies depending on whether they are purchased individually or as a family, but they typically cost between $20 and $65 a month for basic coverage.
The Bottom Line Seniors not only recognize the value of Guardian dental insurance, but they also think it’s safe and simple to use the website of the company. Policyholders can easily access a list of providers, track claims, get estimates for the cost of dental work, and browse the more than 120,000 participating dentists with Guardian using a tablet, computer, or smartphone. Additionally, this provider settles claims rather promptly, with turnaround times averaging two to 14 days, and requires little in the way of claim documents.
Contrary to conventional insurance, Careington provides a dental discount scheme called the Careington 500 Series. Instead, this kind of program enables almost anyone to get discounts on a variety of dental operations that range from 20 to 60 percent. A Careington 500 plan offers discounts on the majority of preventive, restorative, and aesthetic procedures that aren’t usually covered, such dentures and implants. Customers only need to pay an annual subscription to get access to thousands of partner dental facilities that provide members with cheap procedures and immediate coverage. You can switch dentists at any time as long as the provider is included in the network and there are no annual expenditure limits.
Low enrollment fee once
Free benefits for medicines, some specialized medical care, and hearing and vision needs
No prescription is required to see a specialist.
There are no prerequisites or health requirements.
Possibly less extensive than traditional insurance
All costs not covered by the plan are covered by the plan members.
Depending on the plan you select, Careington offers transparent monthly costs starting at $9.95 for most registrants. When you sign up, there is a $20 one-time processing fee that is not refundable. The advantages are immediately usable. The individual providers list the fees and actual savings for each procedure, and they differ from dentist to dentist. You have a 30-day cancellation period if you are unhappy with your plan.
For seniors looking for a low-cost alternative to typical insurance, Careington’s dental plans are fantastic. Both those who need dentures and those who don’t require extensive dental work should use them. Before receiving treatment under the Careington program, there are no health conditions, age restrictions, or pre-authorizations required. Furthermore, there isn’t a lengthy waiting period, so you can get treatment immediately away. Additionally, you’ll appreciate the savings on prescription, hearing, and vision treatments. To receive considerable savings without bothering with insurance paperwork, sign up right away.
One of the most well-known insurers in the United States is Aetna, which has a network of 420,000 providers across the country. Aetna is a reliable dental insurance company with a wide range of alternatives. Benefits like coverage for dentures after a waiting period and affordable monthly rates for singles and families may lure seniors.
Pros Plans fully cover all preventive care.
Website that is simple to use and has quick online claim forms and tracking
Cons are covered after a waiting time
The length of the waiting time varies from six months to 1.5 years.
Online payment is required.
Your state of residency and current health condition affect the premiums. Low premiums often range between $20 and $31, while more expensive plans typically cost between $45 and $70 per month. For those who qualify, Aetna dental insurance is a terrific value because those are some of the most affordable prices available.
Aetna dental plans are an excellent method to save money and preserve oral health with affordable premiums and exceptional coverage provided by a large network of reputable dentists. Aetna offers seniors extensive coverage for new dentures and replacements as well as up to 50% coverage for denture repairs.
More than 152,000 network providers are available nationwide for Delta Dental policyholders to select from. One of the biggest healthcare providers in the country, Delta, offers both a PPO plan and an HMO-style plan. With the PPO plan, you can receive additional discounts by using the preferred provider network and selecting a primary dentist. With Delta Dental coverage, seniors can save up to 80% on basic and significant services. The flexibility of Delta Dental to set the maximum out-of-pocket expenses for several of its plans is a genuinely special advantage. For instance, it might state that policyholders will have to pay no more than $300 for a crown.
Pros Customers can select an HMO- or a PPO-style plan.
From providers, upfront fee lists are accessible.
There are maximum out-of-pocket fees for some services.
reasonable monthly rates
Rates rise for those who are above 50.
Only accessible in a select few states
The calculation of a monthly average for a policy from Delta Dental involves far too many potential cost elements. However, the average cost of Delta Dental Premier coverage is $50 for a single person, $100 for a couple, and $154 for a family plan. The statistics vary based on the age of the individuals mentioned on the policy as well as whether you select an HMO- or PPO-type plan. Most plans include two annual preventive sessions in full.
The Bottom Line If you’re a senior searching for a trustworthy program with a wide range of providers, Delta Dental is a great option. Seniors who are conscious of their finances should discuss the upfront costs of services with potential providers before making a decision, preventing unpleasant surprises at the dentist’s office. If you require extensive dental work, such as dentures.
It makes sense that UnitedHealthcare, one of the most well-known health insurance companies in the country, would have a robust dental network that is larger than most of its rivals. With dental insurance from UnitedHealthcare, the savings are steady and predictable, but be prepared to spend a hefty sum for comprehensive and premium policies. But for seniors on a tight budget, there are less expensive plans with higher copays and smaller coverage restrictions.
Prior to signing up for a UnitedHealthcare dental insurance plan, it’s crucial to be aware that there are lengthy waiting periods for services other than preventive care. For example, there is a four to six month waiting period for fillings and extractions, and significant procedures like root canals are not covered.
Pros Senior-specific plans are offered
Most programs have modest deductibles, particularly family plans.
Largest pool of in-network suppliers available
Immediately available is preventative care.
Long wait times for important services, ranging from four months to a year
Pre-existing conditions like dentures, fractured teeth, and bridge problems are not covered
The starting costs for the four primary dental plans offered by UnitedHealthcare range from about $40 to $70. Just keep in mind that costs depend on your age, location, and level of health. For the most recent rates, we suggest getting in touch with the business directly. Expect them to be on the higher end of the spectrum if the rates are comparable to UnitedHealthcare’s health insurance costs.
Due to the variety of deductible and premium levels offered by UnitedHealthcare, seniors who choose in-network providers may appreciate its flexibility. You can choose to use out-of-network providers, but you could have to pay more out of pocket for the treatments. This organization offers age-specific programs made for elderly citizens, which is one of the biggest advantages for seniors. These policies cover common elderly dental expenses specifically.
For both small and large businesses, MetLife specializes in handling group life, dental, and other employee insurance needs. However, through its MetLife TakeAlong Dental insurance, MetLife also provides family and individual programs. These plans essentially function as “portable” dental insurance that can be used in retirement and while switching employment thanks to a Preferred Provider Organization (PPO) offered by MetLife. As a result, seniors have the option to select a network provider at a reduced price while still having the ability to select any dentist or medical professional at a higher price.
coverage for emergency services and care around-the-clock
Transitioning into a PPO individual or family plan for retirees under an existing plan is simple.
increased diagnostic advantages for actions like brush biopsies
Set prices for various service techniques and products to prevent confusion about payments.
There are very few possibilities for private dental plans.
The online Web portal’s limited pricing transparency is more geared toward enterprises and employee members.
Prices for MetLife TakeAlong Dental plans are not fixed because they depend on a number of variables, including age, health, and smoking habits. MetLife Dental PPO Plans provide up to 80% coverage for the majority of routine dental operations while covering 100% of preventative care.
The dental services offered by MetLife are a fantastic way to increase retirement benefits and maintain good health. MetLife may be the best choice for your needs because it offers coverage for treatments like implants, dentures, veneers, and other often required operations for senior citizens.
What Does Senior Dental Insurance Cost?
Individual dental insurance policies can cost as little as $30 per month or as much as $100 per month, while family programs typically cost thrice that amount, depending on the degree of coverage. The normal annual deductible is from $50 to $150, however some plans also provide one-time deductibles for premium insurance. The most cost-effective choice for consumers looking for short-term or inexpensive care is to invest between $75 and $150 in a dental insurance discount program, which starts to give participants significant savings on all services right away. Depending on your state, age, the number of subscribers, and the plan you choose, the cost of various types of coverage varies.
Why Do Older Adults Need Dental Insurance?
As we become older, maintaining good oral health becomes more crucial. In order to address issues like gum disease, tooth decay, damaged or missing teeth, and even arthritic disorders that might result in oral issues, older persons have particular needs. Since Medicare doesn’t cover dental expenses, those who are getting close to retirement should start shopping for a plan to avoid expensive coverage gaps.
The majority of dental insurance providers provide a wide range of policies, from inexpensive discount savings plans and basic preventive-only coverage to all-inclusive traditional packages and “gold-level” plans. Most programs, with the exception of dental discount plans, have a minimum six-month waiting period before coverage begins, especially for extensive dental work. Finding a new policy is thus difficult.
Dental plans for seniors and dentures
Dental insurance coverage and dental savings or discount programs frequently cover dentures. However, members of most conventional dental insurance plans must wait a year or longer to be eligible for denture-related services. The good news is that for a low annual enrollment fee, the majority of dental discount plans give some level of denture coverage within days of enrollment. It’s crucial to carefully review each plan to determine whether it contains a pre-existing condition language that forbids dentures and repairs unless the teeth are lost or broken during the policy’s period of coverage.