How to Find a Senior Dental Plan

Older adults are, unfortunately, most at risk when it comes to oral health situations. About two percent of those who have retired retain dental coverage through a past employer. There is much conflicting and confusing information regarding senior dental plans, so it’s essential to learn about what qualifies as a dental situation, what’s available for seniors, and what one should look for when shopping for a good dentist.

Firstly, it’s important to know that Medicare Part A and Medicare Part B does not cover dental services. Dental services that are not covered include dentures, bridges, plates, fillings, crowns, cleanings and dental exam. One can easily see how such limitations can pose an issue. Medicare Advantage, also known as Medicare Part C, does have benefits that include routine oral health care. Sometimes, one can consider adding a Medicare supplemental insurance to already existing Medicare. This kind of addition is also known as Medigap.

This kind of insurance helps one receive aid in covering costs, such as co-insurances and deductibles. One pays a monthly premium for the supplement. After Medicare pays what it promises, the supplementing insurance is then activated. To get Medigap, a senior must have Medicare Part A and Medicare Part B. Another option is to join a dental insurance plan that’s specific only for dental care. A patient will have to pay a premium every month. The cost, however, will be offset by out of pocket fees that are lower. Some plans may let the patient visit any dentist, whether the dentist is in or out of network. Sometimes, out of network dentists will cost more when their services are utilized.

Comparing Senior Dental Plans

The best coverage plans have an affordable monthly fee with a low, one-time deductible. Sometimes the deductible may be within the one-hundred-dollar price range. Some programs for seniors have no waiting periods, and even offer guaranteed acceptance, without disqualifying one for previous health or dental issues. Many senior plans include dental implant coverage. It’s essential to find out how many cleanings are covered in a year. Some plans may cover one cleaning, and others may cover three or more. It’s important to also compare coverage to extensive dental procedures, especially those that are most needed at the immediate moment. Some websites require one to call to get a quote to offer a more personalized dental care experience. A senior may also decide to become part of a dental discount plan. This kind of program is close to what one may consider a shopping club, as a patient pays a fee that qualifies them for discounted rates from a specific group of dental professionals. One makes a monthly or yearly payment for the plan, and then the senior pays the discounted rate for whatever services they receive directly from the dental health professional. Another option is to enroll in your spouse’s dental plan possibly, but this option isn’t available for everybody.