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A local dental insurance agent can help you compare available plans. Here are things to look for when comparing dental insurance plans from top insurance companies like Aetna, Cigna, Delta Dental and United Healthcare.
The overwhelming majority of insurance agents listed on the Association’s national directory also offer dental insurance plans for seniors.
Most are independent brokers who represent multiple dental insurance plans.
Access the free directory. Click the link MEDICARE INSURANCE AGENTS.
Simply enter your Zip Code. You will instantly see a complete listing of agents. Pick who you wish to connect with (if any).
Comparing dental insurance plans is easier than comparing Medicare plan options. Here are a few important things to consider.
No. Medicare does not cover dental needs. However, there are a few exceptions:
If you have Original Medicare (Parts A and B), most regular dental care will not be covered.
A Medicare Advantage plan (Part C), today likely includes dental benefits. As of 2020, 88% of Medicare Advantage plans offer some type of dental coverage, according to the Kaiser Family Foundation. But benefits vary from plan to plan and can be very limited.
Medicare Supplement (also known as Medigap) plans do not cover dental benefits. An inexpensive senior dental insurance plan can be purchased to provide excellent coverage. Learn more about the best dental insurance for seniors.
Best Medigap Plan G Price Index for top-10 metro markets
The dental insurance coverage you benefit from will depend on your individual plan. Generally stand-alone senior dental insurance plans cover the following care:
Some dental insurance plans are more comprehensive. These expenses tend to be the big ones. As a result, coverage is often capped or limited. Plans may cover care including:
The short answer is yes. That’s because medical research finds that dental disease affects your overall health. Tooth loss can affect your nutrition intake. It can limit the foods you are comfortable eating. Gum disease can increase your risk of stroke, heart attack and diabetes. Gum disease is also linked with dementia. A dental check-up can detect oral cancer. Most important, your dental needs generally increase with age.
Here are some statistics from the Centers for Disease Control and Prevention (CDC):
Many seniors had some dental insurance when they worked. In retirement, that coverage has ended. More than half of seniors (53%) say they’ve had to delay dental care due to the high cost. Some 23% of Medicare enrollees say they’ve delayed or gone without dental care, according to statistics from the Kaiser Family Foundation.
Dental insurance can be a valuable tool. It can protect you from the high cost of dental care.
If you only need twice yearly cleanings and X-rays, you’d 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. If that’s you, this is something well worth looking into.