Dental care is an essential aspect of overall health, and as people age, they become more susceptible to several oral health conditions. These conditions include tooth decay, or dental caries, gum disease, and various health issues. In this regard, the article discusses dental insurance coverage, dental insurance waiting periods, the coverage dental insurance or dental discount plans offer, the cost of dental insurance for seniors, and factors to consider before purchasing a dental insurance plan.
Top Dental Insurance Plans for Senior Citizens
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Medicare, a government-controlled health insurance program, covers the medical expenses of people over the age of sixty-five. However, Medicare Part A and B do not offer coverage for most dental care and procedures. Medicare Part C or Medicare Advantage Plans may offer dental care coverage but vary by the insurance company. Dental insurance or dental savings plans offer coverage for dental care irrespective of age.
Dental insurance companies typically have a waiting period before the activation of the dental coverage plan for dental care and procedures. This waiting period can range from six months to eighteen months, depending on the condition being treated. Dental savings plans provide discounts on an individual’s dental care costs, alongside traditional dental insurance plans. However, most dental insurance plans have an annual maximum or coverage limit that ranges from $1000 to $2000. This is the maximum amount of money the dental insurance will pay for dental care per year.
Dental insurance generally covers routine care, such as regular check-ups and cleanings. It also covers dental procedures such as dentures, orthodontics, periodontics, root canals, crowns, fillings, and preventive care via a 100-80-50 coverage structure. Dental insurance premiums vary depending on age, type of coverage plan purchased, and number of people covered, with an average cost ranging from about $10 to $60 per month. On the other hand, dental discount plans are cheaper, costing about $10 to $20 per month for individual coverage, offering a ten to sixty percent discount towards dental procedures.
Before purchasing a dental insurance plan, some factors to consider include the network size, annual maximum, and price. Network size refers to the in-network and out-of-network options, while the annual maximum is the maximum amount the insurance will pay per year. Price refers to the cost of the plan, which varies depending on several factors such as age and the type of coverage plan purchased.
If you’re a senior looking for dental insurance, you’ll want to consider several factors before making a purchase. One important factor is finding a dental insurance plan that is affordable, without sacrificing quality coverage.
Here are some dental insurance companies to consider
Smart Health Dental:
This company allows seniors to choose between preventive coverage and comprehensive coverage.
DentalInsurance.com:
This company offers three types of dental plans: Dental Health Maintenance Organizations Plan, Dental Preferred Provider Organizations, plans and dental discount plans.
Carington:
This company provides insured individuals with a larger network of dental care providers.
