Seniors require dental care. According to the CDC, one out of every five seniors aged 65 and up has untreated tooth decay or has lost teeth, and two out of every three have gum disease. 1 Furthermore, drugs for high blood pressure, depression, and bladder control can cause dry mouth. Drugs increase the risk of cavities and fungal infections in the mouth. Unfortunately, Medicare does not cover dental treatment, so seniors must shop around for the best dental insurance.
Best Dental Insurance Providers
Fortunately, there are several dental insurance choices for seniors to help reduce the expense of oral care. The best dental insurance for seniors covers 100 per cent of preventative care and diagnosis with no waiting periods. It has large annual maximums for restorative therapy, ranging from a simple filling to a dental implant. Furthermore, the best dental insurance for seniors offers a variety of plan options, cheap deductibles, and short wait times. Here are a few of our favourites.
In general, Anthem is the most acceptable dental insurance plan for seniors. It offers six low-cost plans with low deductibles—a generous annual maximum for participants and no preventative care waiting periods. Anthem is a fantastic company with an extensive Dental Prime network. The company was founded in the mid-1940s. The company has garnered multiple awards, including a spot on Fortune’s list of the World’s Most Admired Companies for 2020. In most states, the Indianapolis-based insurer offers insurance both directly and via employers.
Anthem is the most pleasing dental insurance provider, offering six different plans with acceptable waiting periods and excellent yearly maximum benefits. Individuals had a $50 deductible in most plans, and diagnostic and preventative treatment had no waiting time. Basic dental coverage begins after three months, and primary dental coverage requires a six-month wait.
At 50% and 70% for the highest plan, four Essential Choice Plans cover bridges, crowns, and dentures (Essential Choice Incentive). Furthermore, the pricing was fair, albeit they did fluctuate depending on your location and demographics. In California, for example, the fee for a 66-year-old ranged from $16 to $67. In addition, Anthem provides many plans that cooperate with Medicare Part C to improve the care of seniors on Medicare in numerous states.
Liberty Dental Plan is not dental insurance but rather a discount plan. Liberty has secured good reductions in exchange for a reasonable annual premium, and they also give a senior discount on the annual premium cost. Liberty Dental Plan is a relative newcomer to the sector, having only been in operation for a little more than ten years. Liberty Dental takes pride in having a sizeable countrywide network, with over 5 million members. Additional options are also available in Florida, where the company is headquartered.
Even though Liberty is a discount plan rather than dental insurance, the value you get for your money is unbeatable. Liberty’s discount programme is a wonderful method to bring down the price of your oral healthcare, with savings that begin two days after you join.
There are no waiting periods, and the reductions are available after two days. In addition, the majority of pre-existing conditions are covered. Individuals may afford the three programmes for roughly $254, $412, or $602 per year, which works down to around $21, $34, or $50 per month. Liberty is now only offered in the following states: California, Florida, Illinois, Nevada, Missouri, New York, New Jersey, Oklahoma, and Texas.
For preventative care, there are no waiting periods. Furthermore, the longer you subscribe to each coverage level, the higher the annual maximums get. In addition, while you stay in-network, there is no deductible.
For more than 160 years, Guardian Life Insurance of America has grown into an insurance provider for dentistry insurance and many other sorts of insurance. It now has over 7 million subscribers who are enrolled in one of its PPO or DHMO plans. With three plans, Guardian provides excellent coverage for seniors.
In-network deductibles are waived, and out-of-network deductibles are $50. For the first three years, each plan’s yearly limit grows by around $250 per year. $1000 for Bronze and Silver. $1,500 for Gold. The costs vary by state. But in California, they range from $26 to $51 each month.
Cigna is the most economical dental insurance plan for seniors when comparing what it covers to what you pay. The Cigna Dental Preventative plan has no deductible and covers 100% preventative care, with monthly fees starting at around $19 per person.
Cigna is a multinational healthcare firm with more than 180 million clients and patient contacts worldwide. The Philadelphia-based corporation has expanded to a global enterprise in 30 countries since its founding in 1792. You can take full advantage of their coverages and optimise your potential benefits by choosing one of their nationwide providers. Cigna’s plans are accessible either through an employer or directly from the company. Benefits and coverage differ depending on where you live and other factors.
The three Cigna dental plans were chosen as the most economical because the rates start at around $19 per month per person, and you get a 15% discount on each additional family member you add. For a woman over 50 in California, the plans cost around $29, $39, and $56 per month, respectively.
Because it provides a lifetime deductible of only $100, we chose Spirit Dental as the best option for low deductibles. Furthermore, after the third year of coverage, the sliding scale of coverage has increased to 50%. Ameritas Life Insurance Corp’s Spirit Dental is a nationwide provider with outstanding ratings from Standard & Poor’s and AM Best. Individuals, families, children, and seniors can all get coverage either directly or through an employer.
Spirit Dental subscribers benefit from a $ 100-lifetime deductible and outstanding value. There are eight plans to choose from when it comes to dental coverage. Because coverage begins on your first effective date, the Network 3500 plan may be an excellent place to start your search. Most insurance has raised coverage amounts for the first three years on preventative care, while Basic and Major services have increased.
Depending on your plan, the annual cap ranges from about $1,200 to $5,000. Not all plans, however, are accessible in every state. Their premium rates vary depending on where you reside and other factors but based on a quick search. Depending on the plan and coverage you select, you may anticipate paying between $50 and $110 each month.