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Good oral healthcare is crucial for people over 65, and dental insurance can help seniors access affordable services. However, less than a third of seniors have dental insurance.
Choosing and acquiring an insurance plan can be confusing, but our guide can help. We’ve selected the best dental insurance plans for seniors so you can save money during retirement while receiving quality dental care.
Aetna is a primary health insurance provider whose history dates back to the 1800s. Now owned by CVS Health, the brand offers many insurance plans for seniors on Medicare.
Established in 1983, Cigna currently services over 15 million dental insurance customers in the United States, individually and through employee programs.
The brand is an excellent choice for preventative care for seniors.
United Healthcare has been offering oral health insurance since 1974. This major provider offers four different plans specifically designed for seniors. Their policies come with senior-friendly additions such as vision and hearing aid advantages.
Delta Dental is the prime dental health insurance provider in the United States. Deltacare provides coverage in every state and serves over 80 million people.
The company offers plans that cater to seniors through the AARP or its website.
Aflac has been a renowned name in health and dental coverage since 1955. Their dental insurance plans cover over 50 million patients.
Dental insurance is worth it for seniors who primarily need preventative care. It is also worth it if you get a plan with excellent coverage for major services.
If having dental insurance increases your likelihood of seeing a dentist, getting on a plan is worth it.
No, Medicare doesn’t cover routine dental care, major services, or procedures. This includes supplies, cleanings, fillings, dentures, or dental devices.
Medicare Part A (hospital insurance) pays for specific dental services you receive in the hospital. For routine dental care, seniors with Medicare need an additional supplemental dental insurance plan.
To find a Medicare plan that’s suitable for you, take a look at easyMedicare.
A dental discount plan can be an excellent alternative if you don't have dental insurance. However, it’s essential to understand that discount dental plans differ from dental insurance.
Dental discount plans are a type of membership you purchase yearly instead of paying monthly premiums. These programs offer reduced prices on dental services with an in-network dentist.
Dental discount plans can be a wise choice instead of insurance if you anticipate needing major dental work. You’ll get the discounts as soon as you join the plan, with no waiting period.
The best dental insurance plans for seniors in 2023 include Aetna, Cigna, Delta Dental, United Healthcare, and Aflac. Which provider you choose depends on your individual needs.
Dental insurance can help seniors access affordable dental care vital to their overall health. If you need preventative care, dental insurance can be a great choice.
An alternative to dental insurance is a dental savings plan, which is a membership that gives you discounts on in-network providers. A dental discount plan can be a good option if you need major work done quickly.
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