10 Best Dental Insurance For Seniors On Medicare in 2022

If you are in search for the best dental insurance for seniors on medicare, search no further because in this article, we’ve just listed the most recommended dental insurance companies for seniors on medicare.

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Dental insurance is essential for an aging population. Many sources, including insurance companies and Medicare, may help elderly elders locate cheap dental treatment.

The Department of Health and Human Services (HHS) intends to revamp Medicare in 2022 to incorporate a new dental benefits scheme to make dental treatment more affordable for seniors.

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This program will provide savings on dental care services, and Medicaid recipients should take advantage of these advantages to enhance their oral health. Seniors may experience increasing oral care hazards as they age.

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To assist pay these expenses, Medicare provides seniors discounts on dental insurance. Here are ten of the most acceptable Medicare dental insurance plans for seniors.

Key Takeaways

  • Get the list of the top 10 best dental insurance for seniors in medicare.
  • Their pros and cons you should know
  • Answers to some most common frequently asked questions you may likely want to ask.
Best Dental Insurance For Seniors On Medicare
Credit:sierradental.ca

10 Best Dental Insurance For Seniors On Medicare

Dental care is one of the most vital things a person may engage in, and elders must have dental insurance that covers both preventative and emergency care. Here are the top ten best dental insurance options for Medicare seniors.

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1. MetLife

MetLife is best recognized for working with small and big businesses to manage group life, dental, and other forms of employee insurance. On the other hand, MetLife provides family and individual programs via its MetLife TakeAlong Dental insurance.

These plans are essentially intended as “portable” dental insurance that may be carried between employment and retirement via MetLife’s Preferred Provider Organization (PPO).

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This allows seniors to choose a lower-cost provider inside the network while still having the ability to select any dentist or specialist they like at premium rates.

MetLife also offers Dental HMO/Managed Care plans in California, Florida, Texas, New York, and New Jersey. These plans provide a broader range of coverage and have no deductibles, claims, or yearly use restrictions.

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MetLife’s dentistry plans are an excellent way to supplement retirement benefits while keeping a grin on your face. MetLife may be the best choice for you since it covers treatments such as implants, dentures, veneers, and other regularly required operations for seniors.

Pricing

MetLife TakeAlong Dental plans do not have set pricing since they are determined by various criteria such as age, health, and smoking history. MetLife Dental PPO Plans provide 100 percent of preventive care and up to 80 percent of most basic dental treatments.

Pros:

  • Coverage for 24/7 emergency treatment and services
  • Retirees enrolled in an existing plan may simply migrate into a PPO individual or family plan.
  • Diagnostic benefits for treatments such as brush biopsies have been expanded.
  • To avoid charge misunderstanding, set rates for numerous service methods and items.

Cons:

  • Minimal possibilities for individual dental policies
  • Online pricing transparency is restricted.
  • The website is mainly geared toward businesses and employee members.

2. Anthem

Anthem is a great provider with an extensive Dental Prime network. Since its inception in the mid-1940s, the firm has received various accolades, including a spot on Fortune’s list of the World’s Most Admired Companies for 2020. In most states, the Indianapolis-based insurer sells insurance directly and via employers.

Anthem is the most pleasing dental insurance provider, offering subscribers six different plans, acceptable waiting periods, and high yearly maximum benefits. Individuals have a $50 deductible in most policies, and there is no waiting time for diagnostic and preventive treatment.

Basic coverage begins after three months, with a six-month waiting period for extensive dental treatment.Four Essential Choice Plans include coverage for bridges, crowns, and dentures at 50% and 70%, respectively, for the top plan (Essential Choice Incentive).

Furthermore, the charges were affordable but varied 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 offers numerous plans in several states that cooperate with Medicare Part C to improve seniors’ Medicare care.

Coverage: The yearly coverage limit ranges from $1,000 to $2,500.

Fourteen states have it available.

Pros:

  • $1,000 to $2,500 in yearly maximum between 6 and 12 months
  • Significant services have a 6-month waiting time.
  • With evidence of past coverage, the waiting time is lifted.
  • There are many Medicare Advantage Plans that provide dental coverage.

Cons:

  • Rates vary depending on location and demographics.
  • The most economical coverage excludes dentures, crowns, and bridges.

3. UnitedHealthcare

As one of the most well-known healthcare providers in the country, it comes as the reason that UnitedHealthcare would have a robust dental network that outnumbers most of its rivals.

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UnitedHealthcare dental insurance offers steady and predictable savings, but expect to pay a premium for comprehensive and premium plans. For seniors on a tight budget, there are cheaper plans with higher copays and fewer coverage limitations.

One of the essential things to remember when enrolling in a UnitedHealthcare dental insurance plan is that treatments other than preventative care have extensive waiting periods.

Fillings and extractions, for example, need a four- to six-month wait, while significant procedures like dental root canals are not covered for 12 months. Treatments for pre-existing diseases, such as damaged dentures or teeth, are also severely restricted.

Pricing

The beginning rates for UnitedHealthcare’s four primary dental plans range from roughly $40 to $75. Age, status, and health condition affect the price. For the most up-to-date pricing, we suggest contacting the firm directly. If the prices are similar to UnitedHealthcare’s, they will be on the upper end of the range.

Pros:

  • Plans for seniors are available.
  • Most programs, particularly family plans, have modest deductibles.
  • One of the most comprehensive lists of in-network providers
  • Preventive care is instantly accessible.

Cons:

  • Long wait times for critical services, ranging from four months to a year
  • There is no coverage for pre-existing conditions like dentures, fractured teeth, or bridge problems.

4. Delta

Delta Dental clients have access to over 152,000 network providers nationwide, and Delta is one of the nation’s major carriers. It provides both an HMO-type plan, in which you pick providers and see up-front prices, and a PPO plan, in which you may earn additional savings by utilizing the preferred provider network and selecting the prominent dentist.

Delta Dental insurance may save seniors up to 80% on basic and significant dental procedures. Delta Dental’s ability to define the maximum out-of-pocket expenditures under some plans is a unique advantage. For example, it may state that a crown would cost policyholders no more than $300.

Pricing

There are just too many possible cost components to consider when calculating a monthly average for Delta Dental’s insurance. However, Delta Dental Premier coverage costs $50 for one person, $100 for two individuals, and $154 for a family plan.

The averages vary depending on whether you pick an HMO or a PPO plan, as well as the age of the policyholders. Most plans include two preventative treatments each year.

Pros:

  • Customers may choose between a PPO or an HMO plan.
  • Providers have upfront charge lists accessible.
  • Some services have out-of-pocket maximums.

Cons:

  • Monthly charges are somewhat expensive.
  • Rates rise for those above the age of 50.
  • Only in a few states is it available.

5. Spirit Dental and Vision Care

Spirit Dental stands out among dental insurance companies for various reasons that appeal to seniors. Spirit Dental features no waiting time for essential dental treatment or even complex procedures such as bridges or crowns, in addition to plans with in-network provider alternatives and those where you may choose your dentist.

Every plan includes two free checkups and three yearly cleanings, which is unusual in the business. Furthermore, the longer you have your plans, the more money you save.

In addition to dental services, Spirit Dental provides vision, life, and disability insurance. It does not rule out applications, but it does rule out some pre-existing issues, such as damaged dentures, teeth, or implants.

Pricing

Spirit Dental plans are designed for two individuals. However, the firm also provides family plans. Couples’ rates vary greatly depending on the plan and area, with averages ranging from $45 to $200 per month.

Family plans are more expensive, but they contain up to $5,000 in maximum coverage with a lifetime deductible of $100. Preventive care is completely covered, and vision insurance is available for as low as $7 per month.

Pros:

  • No applications are turned down.
  • The Senior Preferred Network is a senior-specific plan.
  • Very senior-friendly policies
  • Lifetime deductible of $100
  • The maximum yearly benefit of $5,000 is more significant than most rivals.

Cons:

  • Only dental concerns acquired during coverage periods are covered.
  • Out-of-network providers are more expensive.

6. Guardian

Guardian provides four major dental insurance plans that may assist seniors in improving their oral health without breaking their wallets. Guardian seemed to give the most excellent coverage at the best costs of any of the firms we looked into.

It boasts an extensive network of providers and service locations, but there’s a catch: Guardian has 120,000 providers in 400,000 sites countrywide, which is almost half the number of providers on our list.

Seniors in certain states may utilize Guardian’s “search by ZIP code” feature to locate amazing discounts and dental coverage. Preventive treatment, including routine cleanings and X-rays, are often covered in total, while basic operations, such as extractions or fillings, may be discounted by up to 80%.

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Pricing

Diamond, Achiever, Core, and Starter are the four dental plans offered by Guardian. Plan costs vary by location and coverage. For complete coverage, individual and family plans cost $20 to $65 per month.

Pros:

  • Both in-network and out-of-network dental providers completely cover preventive treatment.
  • Guardian has over 100,000 dental professionals in its network.
  • The online dental cost calculator is correct.
  • Simple online account gateway

Cons:

  • Some of the plans are only accessible in a few states right now.
  • Almost all plans include waiting periods.

7. Careington

The Careington 500 Series is a dental savings program not to be confused with standard insurance. Instead, this scheme enables almost everyone to obtain savings ranging from 20% to 60% off various dental services.

Most non-covered preventative, restorative, and aesthetic treatments, such as dentures and implants, are reduced with a Careington 500 plan.

Customers just pay a yearly subscription to get instant coverage and access to a network of over 62,000 participating dental providers that provide members with reduced treatments. There are no yearly spending limits, and you may change dentists whenever you choose as long as the provider is in the network.

Pricing

Careington has simple yearly pricing, starting at $99 for most registrants, depending on the plan. Joining costs $20 (nonrefundable). The benefits are immediate. Individual dentists provide pricing schedules and discounts for each treatment. Unhappy with your plan? Cancel within 30 days.

Pros:

  • A low one-time enrollment fee
  • Countless advantages
  • Free hearing and vision care, medications, and specific specialty health care
  • You don’t need a doctor’s note to see a specialist.
  • There are no waiting periods or health limitations.

Cons:

  • Traditional insurance may not be as comprehensive.
  • Plan participants are responsible for any charges not covered by the program.

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8. Cigna

Cigna is a well-known dental insurance company, with almost 92,700 dentists and over 309,000 provider locations countrywide. Cigna is a top option for dental insurance for those who like traveling or are contemplating living overseas for an extended time.

Cigna has three coverage choices, including a low-cost preventive care plan that covers all related expenditures, such as examinations, X-rays, basic cleanings, and fluoride treatments. There are no deductibles or copays for office visits with this plan.

Many seniors like that Cigna Dental PPO plans do not compel customers to self-submit claims or pay the cost of services upfront. Cigna’s dentists always submit claims, and you just pay the remainder. Another advantage is that you don’t have to choose the leading dentist if you don’t want to.

Pricing

Cigna Dental Preventive includes cleanings, fluoride, dental examinations, X-rays, sealant, and non-orthodontic space maintainers. They’re coated twice yearly. Individual and family Cigna Dental 1000 policies have $50 and $150 deductibles, respectively.

The Cigna Dental 1500 plan features a $1,500 annual maximum and a $50 individual and $150 family deductible. Both plans cover root canals, crowns, and fillings after a one-year waiting period.

Cigna Dental 1500 covers orthodontics but not Dental 1000. State-specific cost ranges from $20 to $55 per person per month.

Pros:

  • A vast provider network provides coverage both globally and locally.
  • Plans include biannual checkups, cleanings, and X-rays.
  • Patients with a PPO are not obliged to have a prominent dentist.
  • There are no claims for patients to make.
  • Patient portal app with simple navigation

Cons:

  • Coverage and perks differ depending on where you live.
  • There is a one-year waiting period before higher-level coverage becomes activated.
  • Payout percentages for essential services are lower than those offered by competing suppliers.

9. Humana

Humana is a major dental insurance supplier in the United States, including programs for corporations, organizations, and individuals.

Humana is popular with seniors because it provides unique veterans’ programs and a great loyalty program to most customers, in addition to having highly rated customer service and proper insurance.

These plans may offer hearing examination savings, alternative medical treatments, and prescription reductions and may even be bundled with vision insurance. With 335,000 dental providers in its network, Humana makes it simple to access treatment online, via the mobile app, or by contacting customer support.

Pricing

The Dental Savings Plus Discount Plan is Humana’s cheapest package. Participating dentists accept a basic pricing plan, not insurance. No deductibles or copays for office visits are included in the $5.99 monthly price and $15 registration fee.

Some plans include a $35 registration fee, and charges vary according to your home state, age, smoking status, and the package you pick. Humana Bright Plus for Veterans, Preventive Value, and Loyalty Plus are good possibilities. The one-time deductible plan is the most comprehensive (and pricey).

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Pros:

  • Humana’s Loyalty Plus Dental Plan offers yearly benefit increases for three years.
  • Combining dental and vision coverage provides policyholders with significant savings on various procedures.
  • With a PPO plan, patients may visit specialists without seeing a primary-care dentist.
  • Convenient online tools and a mobile app simplify the process.
  • Veterans get special discounts and packages.

Cons:

  • Smokers face higher costs.
  • Fees for standard enrollment
  • Not every plan is offered in every state.

10. Liberty

Liberty Dental Plan has been offering dental insurance for over ten years and is a relative newcomer to the market. Liberty Dental takes pride in its broad countrywide network, which has 5 million members and offers other options in Florida, where the firm is headquartered.

Even though Liberty is a discount plan rather than dental insurance, the value you get for your money is unrivaled. Liberty’s discount program is an excellent method to reduce the price of oral healthcare, with savings that begin two days after you join.

There are no waiting periods, and the reductions are available after two days. Furthermore, the majority of pre-existing conditions are covered. The three programs are reasonably priced at around $254, $412, and $602 each year for an individual, which equates to approximately $21, $34, or $50 per month.

Liberty is only offered in the following states: California, Florida, Illinois, Nevada, Missouri, New York, New Jersey, Oklahoma, and Texas.

Why We Selected It: Liberty Dental Plan is a discount plan rather than dental insurance. However, Liberty has secured good reductions in return for a fair yearly premium, and they also give a senior discount on the annual premium cost.

Pros:

  • There are no yearly maximums or deductibles.
  • There is no waiting time for coverage.
  • Pre-existing medical conditions are covered.
  • There is a senior discount available.

Cons:

  • This is not an insurance benefit.
  • All expenditures are out-of-pocket, although reduced.
  • There is no monthly charge; just an annual premium payment is required.

Conclusion

It is crucial to have dental insurance that covers both preventive and required dental procedures. Seniors may feel secure about their dental health and have healthy smiles that make them look their best with the right plans.

These programs may give seniors peace of mind knowing they are receiving top-tier dental treatment while saving money.

FAQS

Can Medicare Be Used At The Dentist?

Medicare does not cover most dental treatment (including procedures and supplies like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices). Part A of the plan includes inpatient hospital stays, skilled nursing facility care, hospice care, and specific home health care.

Does Medicare Part C Cover Dental?

Medicare Advantage (Part C) plans are packaged plans that often include dental, vision, and hearing coverage and certain additional services not covered by Original Medicare. This may include gym memberships, prescription medicine coverage, and other benefits.

How much does Medicare Part C Cost Monthly?

Are you currently insured? A Medicare Part C plan will cost an average of $33 per month in 2022. These bundled plans include benefits for hospitalization, medical treatment, doctor visits, prescription medicines, and, in many cases, dental, vision, and hearing coverage.

Does Medicare Pay For Tooth Extractions?

Medicare does not cover most dental treatment (including procedures and supplies like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices). Part A of the plan includes inpatient hospital stays, skilled nursing facility care, hospice care, and specific home health care.

What Is The Advantage Of Having Medicare Part C?

Medicare Advantage (Part C) provides extra coverage for essential healthcare services you utilize daily. Routine dental treatment, such as X-rays, examinations, and dentures, may be covered by Medicare Advantage plans. Glasses and contacts are examples of vision care.

What Is Medicare Part C Called?

A Medicare Advantage Plan (such as an HMO or PPO) is another Medicare health plan option available to you. Medicare Advantage Plans, often known as “Part C” or “MA Plans,” are provided by private firms that Medicare has authorized.

Who Is The Largest Medicare Advantage Provider?

In several states, Blue Cross Blue Shield, Humana, and United Healthcare have the top rating among national carriers. Overall, Aetna Medicare scores first in most states (23).

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