Friday, April 19, 2024

Best Dental And Vision Insurance For Seniors

What Does Dental Insurance Typically Exclude

Senior Dental Plans – Also Vision and Hearing Coverage

The most affordable dental insurance plans typically exclude coverage for basic and major services and only cover preventive care such as cleanings. Here are some examples of excluded coverages:

  • Basic services like fillings or major services like crowns or bridges
  • Natural or alternative treatments like acupuncture
  • Some companies limit anesthesia in certain circumstances
  • Many companies exclude orthodontics, even on their top-tier plans
  • Pain management may be limited or excluded and subject to frequency limits and waiting periods
  • Pre-existing conditions

Once you reach the annual coverage maximum, you will receive no more coverage, and additional work will be excluded until the next year.

When considering exclusions on dental insurance, remember that you have various choices of coverage. Dental insurance plans vary depending on the provider, with the least expensive plans often providing only very limited preventive or routine services. The benefit level you choose will determine how much coverage you have vs. how much work will be paid out of pocket.

Here is an overview of what each type of coverage is typically defined as.

High Cost Is A Barrier To Dental Care

Seniors or retirement-age adults often lose their employer-provided dental insurance at a time when their dental needs and costs are increasing. Consider these statistics from the Centers for Disease Control and Prevention :

  • About two out of three adults 65 and older have gum disease.
  • One in five adults 65 and older have untreated tooth decay.
  • One in five adults aged 65 and older have lost all of their teeth.

At the same time, more than half of seniors say theyve had to delay dental care due to the high cost, and 23% of Medicare enrollees say theyve delayed or gone without dental care, according to statistics from the Kaiser Family Foundation.

Overall, the need for senior dental care is clear, but what about dental insurance?

Dental insurance can be a valuable tool to protect you from the high cost of dental care. Like any insurance, deciding whether its worth the cost or not depends on your specific needs.

If you only need twice yearly cleanings and X-rays, youd probably spend more on an insurance premium than you would if you paid out of pocket. But most seniors are likely to need more care than that, making dental insurance a viable way to help offset those costs. For example, 19% of Medicare beneficiaries spend over $1,000 a year on dental care .

Best Coverage Types: Guardian

  • Major coverage requires a 12-month waiting period

  • Not all plans available in all states

Guardian Life Insurance of America was founded in 1860 and has grown into an insurance provider for dental insurance and many other types of insurance for more than 160 years. Today, it has over 7 million members participating in its PPO or DHMO plans.

Guardian offers excellent coverage for seniors with three plans. With a Bronze, Silver, and Gold plan available, the rates are competitive, and the maximums are generous. The Bronze and Gold plans cover preventative care 100% on day one of coverage and the Silver program at 80%.

There are no deductibles in-network and $50 when out of network. Each plan increases its annual maximum for the first three years by about $250 each year, to $1,000 for Bronze and Silver and $1,500 for Gold. The rates vary by state, but they range from roughly $26 to $51 per month in California.

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Dental Insurance With No Network Restrictions

Many seniors enjoy the freedom to choose their own dentist. The plans we represent offer easy dental, vision, and hearing coverage with no network restrictions.

You can use this coverage at any providers office. With this type of flexibility, you really cant go wrong.

We only offer policies that provide immediate coverage for preventive and basic services. Dental insurance with no waiting periods for these services how great is that?

Here are some of the great features we can help you shop for to meet your needs:

  • Affordable dental plans as low as $31-$45/month
  • Available for enrollment at ages 18 85
  • Up to $1,500 per year in coverage
  • No waiting periods for preventive or basic dental services
  • Family dental plans are available
  • Basic eye exams covered immediately
  • Basic hearing exams covered immediately
  • Choose your own providers no networks!
  • No underwriting or health questions. You will be approved!
  • Guaranteed renewable policy auto-renews annually
  • Easy online application takes only minutes
  • Dental insurance that can be used immediately

Many people ask us about dental insurance with no waiting periods. Cavities can occur any time. Generally, people want to treat them without delay. These plans are popular because you will have no waiting periods for preventive care. More importantly, it has no waiting period for fillings and tooth extractions.

These plans also include benefits for hearing and vision insurance for seniors too.

How Much Does Dental Insurance Typically Cost For Seniors

Best Dental Insurance For Seniors On Medicare

What you pay for dental insurance as a senior depends on several factors. Most of the websites will get you a quote after collecting a bit of information about you, like where you live, your date of birth, and your gender.

You can expect to pay more to get more coverage. Preventative plans tend to be less expensive, and from there, the premiums often double when you add in Major services coverage.

It’s important to keep in mind that the numbers change based on the variables we mentioned above. Some plans have discounts for seniors, like Liberty. However, most of the plans premiums are higher for older people than younger ones. Our estimates took place in CA, and the Cigna dental plans were advertised at about $19 to $35 for the rates, but our personalized estimates were around $24 to $49.

The Medicare Advantage plans that included dental care were much more affordable than dental insurance plans for seniors. Some had no additional premiums at all and covered preventative care and diagnoses at 100%.

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Which Dentists Are In The Network

If you want to stay with your current dentist, ask which insurance plans they accept. Some dental insurance companies have an extensive network of providers while others may require you to switch to an in-network provider in order to obtain coverage. When considering an insurance provider, check to see if dentists are available in your local area to keep your costs low.

Best For Seniors On Medicare: Aetna


  • Not all plans are available in every state

  • Some plans require a primary care physician for the coverage to apply

Aetna is an established healthcare insurance provider based in Hartford, CT. It has a stellar rating from AM Best. As of June 2020, there are over 2.8 million enrollees in Aetnas Medicare Advantage programs, the majority of which are the HMO, PPO, Provider Sponsored Organizations . They are available through an employer or direct, although direct plans are not available in all states.

We chose Aetna as the best dental insurance for seniors on Medicare because its Medicare Advantage plans have dental coverage benefits. These benefits could include oral exams, cleanings, X-rays, fillings, root canal treatments, tooth extractions, crowns, bridges, implants, and dentures.

Also, Aetnas Medicare Plus Plan covers up to roughly $2,000 of preventative and comprehensive dental care in addition to other services with no monthly premium. Aetnas Medicare Advantage plans are available in all 50 states and Washington D.C.

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Are Dental Discount Plans Worth It

If youre a senior who is looking for affordable dental coverage, its worth it to sign up for a dental discount plan instead of paying for a high premium insurance policy or Medicaid/Medicare add-on. Dental savings and discount plans are easy to understand, simple to sign up for, and never leave you guessing about your out-of-pocket costs for comprehensive dental care. And best of all, they cover absolutely everything. Its not that dental insurance for seniors isnt worth it, but its time to think outside the box to consider the better options that are out there for people of all ages!

How Much Does A Aarp Dental Plan Cost

Best Dental+Vision+Hearing Plan to use with Medicare

Plan prices vary, check the AARP dental insurance page for specifics of plans available near you. But as an example, in Florida, zip code 33135 :


At least one enrolled family member must be an active AARP member to qualify for any of the AARP dental insurance plans . Coverage is offered for Individuals, an individual plus one eligible dependent , or a Family. A dependent child can include unmarried grandchildren, stepchildren, adopted children and foster children.

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Senior Dental Plans And Dentures

Dentures are often covered under dental insurance plans and dental savings or discount programs. Under most traditional dental insurance programs, however, members will have to wait a year or more to qualify for denture-related services. The good news is that most dental discount plans offer some level of denture coverage within days of enrollment for a small annual enrollment fee. Its important to check each plan carefully to see if there is a pre-existing condition clause that prohibits dentures and repairs unless the teeth are lost or broken during a period of coverage under the policy.

Most Comprehensive Coverage: Aarp

  • Some plans have a $500 maximum yearly limit for comprehensive dental care

  • Some plans give yearly maximum coverage amount for preventative and comprehensive dental combined

Its nice to feel secure with your insurance. Thats what AARP providesno matter what plan you choose, your pearly whites are covered. Most plans come with at least preventative dental care covered, and most also include comprehensive care covered, though at a yearly maximum cap. That means you may not need to pay anything at the dentist, depending on the procedure youre having done. However, if you think youll be having more intensive work done that would exceed the annual maximum, it may be best to look into plans that have more detailed, broader coverage options available. The PPO Plan A offers the most comprehensive coverage with a $40 deductible and $1,500 in annual coverage. The PPO Plan B offers a lower monthly premium but a $90 deductible and $1,000 in annual coverage.

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Are Dental Saving Plans A Better Option

If you have a healthy mouth and typically only need checkups then it can be easier and more affordable to join a dental savings plan instead of using normal dental insurance. Especially for someone on a fixed income.

Most dental savings plans have one annual membership fee or an extremely low monthly payment option if you prefer to break it up into smaller amounts. They are usually much cheaper than an independent senior dental insurance policy. That alone instantly saves you money! And if you need an occasional filling now and then, you dont have to mess with estimates or dental insurance claims your dentist instantly applies a discount to the treatment and thats the exact amount you pay.

Best National Coverage: Aetna

  • Coverage Limit : $1,000 to $4,500
  • Providers In Network: 700,000

With plans offered in all 50 states, Aetna is our top choice for national coverage. The insurer features a provider network of over 1.2 million health care professionals across the country.

  • Available in all 50 states

  • Large provider network

  • Not all plans offered in all areas

  • Not all plans come with dental coverage

We chose Aetna as best for national coverage for its operations in all 50 states. Aetna has approximately 12.7 million dental members, and their network includes about 1.2 million health care professionals, with over 700,000 primary care doctors and specialists.

With many of their Medicare Advantage plans, Aetna offers home delivery of most prescription drugs through their mail-order pharmacy: CVS Caremark. Aetna also offers a concierge program with many of its Medicare Advantage plans. An Aetna concierge can help you manage your health care expenses, understand your benefits, locate providers near you, and help plan for treatments.

Founded in 1853, Aetna has a full range of plans with premiums ranging from $0 to nearly $100 each month, depending on your needs and location.

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Do You Need Dental Insurance As A Senior

Dental disease doesnt only affect your teeth. Tooth loss and dentures can affect your nutrition intake, limiting the types of foods youre comfortable eating. Gum disease can also increase your risk of stroke, heart attack and diabetes, and it is also linked with dementia. Plus, dentists play an important role in the early detection of oral cancer. Proper dental care plays a huge role in your overall health, and your dental needs will only increase with age.

Financial Assistance For Dental Insurance For Seniors On A Budget

Dental insurance may seem too expensive, but its more important than you may realize. Oral health can have a major impact on the rest of the body, and financial assistance to access dental care can be helpful in maintaining overall health.

Unfortunately, Medicare typically does not cover dental care, and less than half of states Medicaid programs offer any dental insurance coverage for older adults. But for those struggling to afford the costs of dental care, there are some alternatives to traditional dental insurance. Government programs, charitable organizations, and even credit card companies offer a way to cover some or all of the cost of dental procedures.

Below are a few dental resources for seniors on a budget.

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The Right Dental Plan For Seniorsits Your Choice

As weve discussed, youll want to take several factors into consideration as youre searching for the best dental plan to meet your needs. From choosing a dentist to considering waiting periods or specific plan benefits, youll want to be sure to compare several plan options to find the best fit.

At EasyDentalQuotes, we offer a variety of plans for seniors with top carriers such as Delta Dental, Renaissance Dental, Nationwide Insurance and others to help give you options to meet any members need.

So as you enjoy the golden season of life during retirement, having the best coverage for your health and dental care needs can be an important influence on your daily life. Hopefully with the right guidance and a little effort, youll find the best fit for you that will leave you smiling.

Find Senior dental plans in your area

Other Benefits Vision & Hearing

Dental Insurance for Seniors | Medicare Dental Insurance | Guaranteed

This plan also allows vision and hearing benefits as well. As mentioned earlier, you would draw from the same annual benefit. Reimbursements are as follows:

Vision 6 months waiting period. Will reimburse up to 80% of the cost by year 3. It will cover exams and eyewear.

Hearing 12 month waiting period. Will reimburse up to 80% of the cost by year 3. It will cover exams, hearing aids, and repairs.

How great is that? You have dental, vision, and hearing coverage all into one!

Although its outside the scope of this article, you could potentially be even on your vision insurance spending. Vision insurance for seniors is usually pretty cheap. This plan is nice as there is no limitation on vision . The only limitation is your annual benefit.

The disadvantage: this plan is not offered in every state.

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Protecting Your Eyesight And Your Health

It can be difficult to decipher the ins and outs of any kind of insurance. It isnt easy to find the best vision insurance for seniors on medicare. To get the finest plan, you need to give yourself plenty of time to do your research. Insurance searching should not be done until your present eyeglass prescription no longer works. To ensure that you have the coverage, you need to preserve your eyesight, and you should compare multiple estimates, chat with representatives, and learn about your alternatives. Nowadays, most insurance providers use online systems that help you pick a policy and enrol. It can take merely 3 minutes to enrol yourself online.

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Dental Discounts Better Than Aarp

AARPs Prepaid plan offers excellent savings on dental, making it a good choice if you are comfortable with the restrictions and happy with the dentists who accept the plan near you.

Its difficult to beat the savings offered by AARPs DPPO plans, the coverage is extensive and the savings are significant. The only areas that might cause concern is the extended waiting period for restorative care, the annual limit and the relatively high cost of the plans.

If you dont want to or cant wait for dental care, you can opt instead to join a dental savings plan. These plans are an alternative to traditional dental insurance. You get discounts of 10%-60% on your dental care . You could use your dental savings plan to reduce the cost of restorative care within 72 hours of purchasing the plan. You pay the discounted rate directly to any of the 100,000+ participating dentists nationwide.

And there are no annual limits with a dental discount plan. The average yearly cost of a dental savings plan is $99 for an individual and $199 for a family. Yes, thats the annual cost not the monthly cost!

Find out more about the advantages of dental discount plans for seniors!

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Types Of Dental Insurance Plans

The three types of dental plans on the market today are dental preferred provider organization plans, dental health maintenance organization plans and fee-for-service plans:

Dental preferred provider organization

DPPO plans have a wider network of dentists, and patients have more flexibility when choosing their doctors. You can see providers both in-network and out of network, but youll find the best rates within the dental provider network.

This flexibility comes with a higher price tag premiums for DPPO plans are more expensive and have higher out-of-pocket costs.

Dental health maintenance organization

A DHMO plan works within a dental provider network. Theres a fixed copayment for each visit, premiums are more affordable and there are no annual maximum limits.

Members of a DHMO plan have a smaller provider network to choose from, and theyll also need to select a primary care dentist from the plans network. Lastly, theres no out-of-network coverage, and seeing a specialist requires a referral.

Fee-for-service plans

Fee-for-service plans pay a flat rate for eligible services. This plan type allows greater flexibility because patients can visit the provider of their choice.

On the downside, out-of-pocket expenses are higher. Patients can either make a copayment at the dentists office or pay upfront and then file a claim for reimbursement with their insurance provider.

Dental discount plans

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