Best Dental Insurance for Seniors 2020

Some of the best dental insurance for seniors are made providing cost effective, affordable best dental insurance options for seniors.
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Best Dental Insurance

As seniors every so often do have a special dental need in their process of getting old that involves root decay, gum disease, tooth loss and more. Apart from there also exist some non-dental conditions that include arthritis, which can also affect dental health. So, good oral health is important at any age and it’s the need of the time when you are getting old. Even at that point, you’re not having dental problems you can still choose dental insurance for yourself in order to keep up to date on regular checkups and preventative procedures. thus here we’ve compared and brought forward for you some of the best dental insurance plans for seniors.

10 Best Dental Insurance Plans For Seniors.

ten best dental insurance plans for seniors

1. Guardian

Guardian insurance plans offer the best dental coverage combined with the best dental rates for seniors which helps them to enjoy better oral health. Though its availability is in about 20 states currently, but still do offers an extensive network of providers and service locations.

Features:

  • It offers some great deals
  • It offers PPO and HMO plans
  • There exist three different dental insurance plans available
  • Family members can each see their dentist
  • The available Rates are guaranteed for one year
  • Dental plans cover the full cost of dental preventive care that includes cleanings and x-rays, and some basic procedures like extractions or fillings which cover up to 90 percent discounts.
  • It is available in 20 states.

While some of the other services covered include:

  • Finding a dentist: By on the website and entering your zip code you can find the nearest dentist available.
  • Making a claim: Your dentist will make a claim as well as do the necessary paperwork as long as you use an in-network dentist.
  • Deductibles: Yes, offered on some plans.
  • Copays: Yes, offered on some plans.
  • Restrictions: It includes a waiting period ranging from no wait for preventive dental care to 12 months for services including root canals and implants. Further, information on specific exclusions and limitations are mentioned in your Full Plan Summary.
  • Cost: The cost varies according to the plan. As it offers The Guardian Dental Advantage Silver, Gold, and Bronze PPO plans, as well as Guardian Dental, Managed Dental Guard (DMHO) plans.

Pros

  • It offers Preventive care that is solely covered within and out-of-network dental providers
  • Guardian dental insurance has more than 100,000 in-network dental providers
  • The online dental cost estimator is accurate for customers
  • The insurance online account portal is Easy to use

Cons

  • The Plans offered for individuals are only currently available in approximately 20 states
  • There exist some Waiting periods for nearly all the plans
  • Some procedures have a 6-month (or less) waiting period, depending on the state
  • Not available in all states

2. Humana

Humana dental plans for seniors are ranked as the nation’s largest dental insurance providers and the most popular among the best dental insurance for seniors due to its special veteran’s programs as well as a remarkable loyalty program offered to the customers by them. Overall the dental plans are available for employers, groups, and individuals that include discounts on hearing exams, some of the alternative dental plans for seniors on medicare therapies, prescription discounts which can be combined with vision insurance. It has a network of 130,000 dental providers.

Features:

  • Humana dental insurance offers special veteran’s programs for seniors.
  • It offers a remarkable loyalty program for seniors.
  • It has a network of 130,000 dental providers.
  • Some services are also rendered through a mobile app, online.
  • It also offers to call customer service.

Pros

  • The Benefits offered increase annually under the Humana’s loyalty program
  • With the Combined dental/vision coverage the policyholders get an excessive discount on multiple services
  • You Can also see specialists without consulting primary care dentist
  • Some of the online features and a mobile app streamline experience is also offered for patients’ convenience
  • Some special discounts and packages for veterans are also offered

Cons

  • There exist Higher fees for smokers
  • There are Standard enrollment fees
  • Not all plans in the dental insurance are available in every state

3. Cigna

If you are searching for affordable dental coverage then Cigna dental insurance is the best affordable dental option available for you with no deductibles or copays for routine preventative treatments. In the case of affordability and quality of treatment, the patients can also compare dentist scores. It offers savings on dental care as well as a variety of wellness services that include yoga, chiropractic services, massage and more. Moreover, it has more than 110,000 participating providers nationwide.

Features:

  • It has no annual limits
  • The plan Includes fitness club discounts
  • It includes Hearing and Vision benefits available in the plan
  • There is no waiting periods and no pre-authorizations required
  • It includes Hearing and Vision benefits available in the plan
  • There is no waiting periods and no pre-authorizations required
  • While some of the other services covered include:
  • Finding a dentist: it covers a nationwide network of over 89,000 dentists from which one can choose.
  • Making a claim: Yes, you can File a claim for Cigna dental care offered as per your dental care plan by doing the following:
  • Visit the site and download the claim form
  • Print the claim form
  • Complete the claim form
  • Mail your completed claim form at Cigna Dental, P.O. Box 188037, Chattanooga Tennessee, 37422. For the better settlement of insurance claim dispute.
  • Deductibles: There are No deductibles on routine preventative treatments that include cleaning, check-ups, and routine x rays. However, you need to pay Deductibles on restorative work.
  • Copays: There are No copays on routine preventative treatments that include cleaning, check-ups, and routine x rays. However, you need to pay copays on restorative work.
  • Restrictions: It includes include waiting periods for most services.
  • Cost: Cigna dental Plans archetypally range from $19 to $35 per person monthly which can vary as per the plan you opt for.

Pros

  • There are no annual limits
  • There are no preauthorization’s
  • Both Spouse and the dependent children are included
  • A large provider network Coverage under dental insurance is available internationally and domestically
  • There exist Bi-annual exams, cleanings and X-rays are included in plans
  • There are No primary dentist assignments for patients
  • There are No claims for patients to file
  • It is easy to navigate the patient portal app

Cons

  • Healthy rewards not available in all states
  • $20 processing fee for new members
  • The Coverage and benefits will vary depending on your state
  • There is One year waiting a time period before higher-level coverage is active
  • The offers lower Payout percentages for basic services than other providers

4. Careington

Careington seniors dental insurance offers preventive, restorative, and cosmetic procedures related to health insurance which also includes dentures and implants which is not covered with the Careington 500 plan. A one-time annual fee is to be paid by the insurer to gain immediate coverage as well as the services provided under the dental insurance plan.

Features:

  • There exist no annual spending caps.
  • you can even change your dentists at any time.
  • The Fee schedules, as well as actual savings for each procedure, are listed
  • you can even cancel the plan within 30 days.

Pros

  • There is Small one-time enrollment cost
  • Some Unlimited benefits are offered
  • Some of the Free benefits for hearing and vision needs are there.
  • The prescriptions and some specialty healthcare are also included in free benefits
  • There is no referral necessary to see the specialists
  • There is No waiting periods or health-related restrictions

Cons

  • It may not be as inclusive as traditional insurance
  • all costs not covered by the program are paid by the Plan members.

5. Aetna

Several different dental plans for seniors are offered by Aetna. But we will recommend you to choose Aetna Vital Dental Savings℠ Plus Rx plan as it has various benefits over other plans and offers added savings on vision, hearing and prescription medications. Therefore, it helps you to keep your teeth in good condition.

Features:

  • There are no annual limits
  • It is an Easy-to-use price tool
  • It Covers general dentists as well as the specialists
  • This plan Saves an average of 15-50{367c01af22dc6c3a8611ff25983b0f0a247ed9fc1c45fd9103ad49b47a0c5f39} on most of the dental services offered.

Pros

  • Save 15-50{367c01af22dc6c3a8611ff25983b0f0a247ed9fc1c45fd9103ad49b47a0c5f39} of the cost
  • There are no health restrictions
  • There are no annual spending limits
  • There are no waiting periods, no copay
  • The insurance Premium plans cover preventive treatments which are 100{367c01af22dc6c3a8611ff25983b0f0a247ed9fc1c45fd9103ad49b47a0c5f39} and 80{367c01af22dc6c3a8611ff25983b0f0a247ed9fc1c45fd9103ad49b47a0c5f39} on most other plans
  • It is easy to navigate through the website with convenient online claim forms as well as tracking
  • The Coverage for dentures after a waiting period

Cons

  • $20 processing fee for new members
  • Not available in Massachusetts
  • The Individual plans offered are limited to a minority of states currently
  • The Waiting periods exist from six months to a year and a half
  • The Payments obligation is to be made online

6. Liberty

The Liberty Dental Discount Plan for seniors is a well-suited plan dental insurance as there is a senior rate and they also receive discounts immediately for some services that include crowns, dentures, implants, root canals and much more.

Features:

  • Some extra benefits for preventive cleanings and x-rays
  • a senior rate is offered for seniors.
  • There are no deductibles

Pros

  • A Low out-of-pocket cost is associated with most of the procedures
  • There are Zero deductibles
  • There are no maximum spending limits
  • The Coverage starts immediately
  • Most pre-existing dental issues are covered
  • There are no required referrals to see the specialist’s doctors

Cons

  • Must choose a primary care dentist that the entire family must use
  • Policies are available in a limited number of states

7. Delta

Delta Dental insurance plans for seniors suggests both PPO and HMO dental plans and offers plans of its own to individuals, families, and employers. You can also choose from a variety of dental insurance plans and benefits available that will vary depending on your state. You can also get an idea of personal costs and benefits from the website.

It includes:

  • Comprehensive coverage: $50.61-171.42
  • Basic Coverage: $16.40-57.39
  • Regional Coverage: All regions

Features:

  • PPO and HMO plans
  • Offered for both Individual or family
  • Dental plans and benefits vary depending on the state
  • Some plans cover includes orthodontia for adults

While some of the other services covered include:

  • Finding a Dentist: It has an online portal from where you can search for dentists in your area.
  • Making a  Claim: You need to download a form and file the dentist’s insurance claim by post.
  • Deductibles: Yes, on some plans.
  • Copays: Yes, on some plans.
  • Restrictions: dental plans do not always cover every procedure. You need to check with your specific plan for limitations and exclusions of the dental insurance proposal you have opted for.
  • Cost: The cost of dental plans varies with the individual plan. your choice of the DentalCare USA plan or the Delta
  • Dental PPO plan or whether you have individual or family coverage determines the cost of the dental plan for you.

Pros

  • Individual and family plans
  • Orthodontia for adults may be covered, depending on the plan
  • affordable basic and mid-tier coverages
  • Using an in-network dentist ensures the lowest dental cost
  • It has availability in every region.
  • Customers have an option to choose between a PPO plan or an HMO-type plan
  • The Upfront fee listings are available from the providers
  • Some of the services have maximum out-of-pocket costs to customers

Cons

  • Not all benefits are available in all areas.
  • Includes Average comprehensive premiums
  • full payment is required by the Basic coverage
  • A high monthly rate for coverage is charged impartially
  • The rates increase for those 50+ or seniors
  • It is only available in a limited number of states

8. UnitedHealthcare

The United Health care dental insurance provider network is extensive, that covers over 85,000 dental offices

throughout the U.S. There are no waiting periods and no deductible. We suggest United Healthcare plans as the

affordable dental insurance at all ages, that does not involve any deductibles or waiting periods on preventative

procedures.

It includes:

  • Comprehensive coverage: $52.33-192.17
  • Basic Coverage: $21.02-80.93
  • Regional Coverage: All except East

Features:

  • It is affordable dental coverage for all ages
  • It is a Flexible plan to choose from
  • Preventative care is covered with no waiting periods
  • While some of the other services covered include:
  • Finding a dentist: You can find a dentist by searching in the United Healthcare’s directory of dentists.
  • Making a claim: This plan pays dentists directly, therefore, you don’t need to file a claim.
  • Deductibles: Yes, offered on some plans.
  • Copays: Yes, offered on some plans.
  • Restrictions: no waiting period for preventive care but, in case of major services there is waiting periods of up to 12
  • Months. annual maximums limitations are also there.
  • Cost: Costs vary according to the plan, where the Potential costs will include premiums, co-pays, deductibles, and co-insurance.

Pros

  • In-network dentists paid directly
  • More options are available than other providers
  • There are no age restrictions involved.
  • The United Health care dental Plans are designed specifically for older adults
  • The Plans which are tackled toward senior needs such as dentures are available
  • The Deductibles are low for most of the programs thus it is dental insurance for family plans especially
  • The in-network providers are One of the largest selections covered
  • Preventive care is available immediately

Cons

  • The annual maximum dental benefit of $1,000-$3,000 depending on the plan
  • It offers Expensive dental basic coverage.
  • There exists Long waiting periods for the majority of services that ranges between four months and one year
  • There is no coverage for pre-existing conditions like dentures, broken teeth and the bridge issues
  • It is very Challenging to explore the new pricing levels without making an official inquiry to the company

9. Spirit Dental & Vision

Spirit Dental offers greater benefits to seniors who are looking to stay with a long-term provider. It offers highly affordable policy rates. The customers get a remarkable two free exams as well as three annual cleanings included, thus we refer to this plan as the most specifically appealing to seniors.

Features:

  • It offers highly affordable policy rates.
  • Preventive care is 100{367c01af22dc6c3a8611ff25983b0f0a247ed9fc1c45fd9103ad49b47a0c5f39} covered
  • Offers two free exams with three annual cleanings included

Pros

  • There is No denial of applications
  • It offers extremely senior-friendly policies
  • A sum of $100 for lifetime deductible amount
  • $5,000 is the maximum annual benefit which is higher than most of the competitors
  • The Company supports the Smile Network Foundation

Cons

  • It only covers dental issues which are obtained during coverage periods
  • The out of network providers cost more to the consumers

9. MetLife

MetLife Insurance plan offers a PPO dental insurance program as well as an HMO option. The patients can choose any dentist even if they’re not in-network. There are various dental plans for seniors that even include special plans for US Government and US military service members (and their families) for both active and retired persons. most cleanings and exams are covered in the MetLife Insurance plan. Thus, we recommend MetLife insurance as the best dental insurance provider for family coverage.

It includes:

  • Comprehensive coverage: $41.22-124.25
  • Basic Coverage: $32.25-93.83
  • Regional Coverage: All regions

Features:

  • It has a network that includes over 146,000 providers
  • You can See dentists in or out of the network
  • Both PPO and HMO plans available
  • While some of the other services covered include:
  • Finding a dentist: You Use MetLife’s online portal for choosing the nearest dentist available.
  • Making a claim: You can use mail to file a paper claim, or can even ask your dentist if they can file a dental insurance claim on your behalf.
  • Deductibles: Yes, are offered.
  • Copays: Some dental plans possibly will require a copay.
  • Restrictions: Unknown
  • Cost: MetLife Insurance plans Costs vary according to the plan you have opted for.

Pros

  • A large nationwide network of dental providers
  • See dentists in or out-of-network
  • It Offers Affordable comprehensive dental plans for families.
  • Individual and family plans
  • Special dental plans for veterans and federal employees
  • It includes Coverage for 24/7 emergency care and services
  • The Retirees under an existing plan can opt for a PPO individual or family plan very easily
  • The Expanded diagnostic benefits are also offered that includes procedures like brush biopsies
  • Some sort of fees is charged for multiple service procedures and materials to minimize fee confusion

Cons

  • Dental HMO plans only available in certain states
  • Basic plans are expensive.
  • There are very few options available for dental insurance for an individual dental plan
  • The disclosure of Pricing is very limited online
  • The Web portal is more premeditated for businesses and employee members

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