Best Dental Insurance for Seniors on Medicare

Best Dental Insurance for Seniors on Medicare

The majority of Medicare recipients require extra dental insurance. Crowns, fillings, dentures, and cleanings are not covered under original Medicare, divided into two parts: Medicare Part A, which includes hospital insurance, and Medicare Part B, which provides for medical insurance. Certain surgery-related dental expenses may be covered. If you are already maintaining Original Medicare and want to buy dental insurance, you can purchase an individual dental plan or register in a Medicare Advantage Plan. Best Dental Insurance for Seniors on Medicare is commonly known as Medicare Part C, which includes dental insurance.

Best Dental Insurance for Seniors on Medicare

United Healthcare

On Medicare, for seniors, United Healthcare is our highest-ranking selection for dental insurance. They provide Medicare Advantage Plans with an extensive network and a variety of premium options. United Healthcare, created in 1974 and is an affiliate with the American Association of Retired People (AARP), was voted the top overall provider. Premiums for their entire lineup of plans like HMO, PPO, HMO-POS, etc., vary from $0 to $100 per month, depending on the requirements and region. 

Pros:

  • Benefits from the AARP
  • Simple customer interface

Cons:

  • Based on your region, there are limited plans are available
  • Dental coverage excluded from all Advantage plans

Kaiser Permanente

The exceptional customer service at Kaiser Permanente was a significant factor in our decision. J.D. Power has awarded Kaiser with the highest customer satisfaction rating. Based on Medicare and J.D. Power, consumer intelligence organization, and data analytics, Kaiser receives our recommendation for top customer service. In a satisfaction survey by J.D. Power’s Medicare Advantage satisfaction, Kaiser placed in second place, barely one point behind the top. 

Kaiser Permanente, which has 8.6 million members, was established in 1945. The largest non-profit HMO in the U.S. Medicare Advantage plan offered by Kaiser provides coverage at every Kaiser Permanente centre, with monthly premiums ranging from $0 to $100 based on your needs.

Pros:

  • High levels of consumer satisfaction
  • Any Kaiser Permanente centre can provide coverage

 Cons:

  • Dental insurance is an additional expenditure
  • Dental, vision, and hearing coverage are all packed together

Humana

For a dental insurance plan with sophisticated online tools, Humana is our best choice. They feature a smartphone app that allows customers to keep track of their meds, view claims, and even receive benefits for healthy behaviours. Humana provides a variety of online resources for Medicare Advantage Plan members. RXMentor from Humana assists subscribers in keeping a thorough and up-to-date medications list. Their MyHumana app allows users to access medicine pricing, in-network providers, claims, and I.D. cards using their fingerprints. Humana was chosen as one of the most significant companies for its online tools. 

Pros:

  •  A large number of helpful web tools are available.
  • SilverSneakers is a fitness program for seniors.

Cons:

  • The user interface of a website might be perplexing
  • Dental coverage is not included in all plans

Aetna

Aetna is our top pick for national coverage because it offers policies in every state. The insurer has a nationwide provider network of approximately 1.2 million healthcare providers. Aetna delivers prescription pharmaceuticals at your home through CVS Caremark and mail-orders pharmacy. An Aetna concierge can assist you in managing your healthcare costs, understanding your coverage, finding nearby providers, and planning treatments. Aetna, founded in 1853, offers a variety of plans like PPO, EPO, HMO, etc., with monthly costs varying from $0 to $100, based on your requirements and area.

Pros:

  • Large network of providers
  • Home delivery of prescription drugs

Cons:

  • Not every plan is available in all regions
  • Dental insurance is not included in all plans

WellCare

For a newbie to the Medicare Advantage plans’ field, we recommend WellCare. They are a promising supplier, having been founded in 1985. Personal emergency response system access and over-the-counter (OTC) coverage are included in some WellCare Medicare Advantage Plans. The OTC advantage is a set cash amount that could be used to purchase non-prescription drugs, and health products supplied straight to you. For the residents who stay alone, the personal emergency response system is linked to your phone and enables you to summon aid at the touch of a button.

Pros:

  • Availability of OTC coverage
  • Effortless navigation on WellCare’s website

Cons:

  • Not a pretty well-known company, unlike others
  • Availability limited to 27 states

Cigna

Cigna is a fantastic option if you have particular dental needs as a Medicare senior. They provide customers with special requirements plans and a wider variety of services. Because of their customizable plan offers, we selected Cigna as the finest for specific needs. Cigna provides special needs insurance plans that involve access to a vast selection of experts as well as regular health check-ups. Still, other Medicare Advantage Plans restrict dental insurance to individuals with specific health issues or medical needs. Cigna provides a broader choice of services based on your medical care needs, including tailored care, intensive treatments, and individualized specialist attention.

Pros:

  • Plans for individuals with special needs are available
  • Health check-ups regularly

Cons:

  • Availability of plans limited to 23 states
  • Only a few policies include dental coverage

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