Dental Insurance For Seniors

Dental health is one of the most important aspects for people of all age, especially senior citizens. Senior citizens are defined as people over 65 years or older. Although there are several plans for seniors when it comes to affordable health insurance, it might be hard for some to delve into seniors insurance plans and see exactly what is covered. Because dental insurance for seniors can be hard to distinguish from regular medical plans, you’ll want carefully to check because not all plans cover dental and vision insurance. Both affordable dental and health insurance are important to save money and get access to the best possible care.

Many seniors tend to be on a fixed income which means that they might not have the ability to pay for the dental services that they require. As we age, we tend to need more dental procedures such as tooth extraction or dentures. When you can’t have regular dental exams because you don’t have the funds to do so, it can make it that much more expensive in the long run. Affordable dental insurance for seniors is important to maintain good physical health. Many seniors think that their medicare coverage will cover dental, but they aren’t aware that dental insurance for seniors on medicare only covers limited scenarios. This is where supplemental dental insurance comes into play.

Supplemental dental insurance covers any dental procedure you need that your regular dental insurance plans for seniors won’t cover. The general cost for this is $40 to $50 a month on average. Although rates vary due to your specific case, you can shop around and find the one that is best or most affordable for you. This depends on how much you have to pay out of pocket as a co-pay and how much you want them to cover, usually varying between 50-80 percent of the total cost of the procedure.

Another option is dental HMO which is also known as managed care plans for seniors. These plans offer affordable low-cost insurance for those who are over 65. Options tend to limit what provider you can go to but often provide dental care at an affordable cost. You’ll want to take the time to see which providers are available within your area and make sure which ones are covered. Another option is a medicare advantage plan which is similar to an HMO, but these Medicare plans also offer coverage for vision and hearing alongside with dental. With this option, you pay an added premium for any other benefits that you’d receive alongside with the standard Medicare coverage.

There are also options for dental insurance for veterans, some of whom are seniors or on medicare, through the VADIP program which is a national VA Dental Insurance Program (VADIP) that gives enrolled Veterans the chance to purchase dental insurance through Delta Dental and MetLife at a reduced cost.

If none of these options are available to you, seniors often have benefits with AARP that go alongside senior health insurance. AARP members have dental plans for those who lose group dental coverage that they may of had with a previous employer when they retire. These tend to be more limiting the first year, but after time grow to cover more treatment options such as dentures and major restorations that you may run into as you age. Regardless of what supplemental insurance you should choose, the best thing you can do is ask questions and make sure that you’re getting the best most affordable dental coverage for your costs.

Copyright © Best Dental Insurance Plan