Dental Insurance for Senior Citizens
Dental insurance for seniors is similar to that for younger individuals. However, it offers additional coverage per a senior individual’s needs.
For instance, dental insurance for seniors covers dentures, root canals, crowns, and tooth replacement. Seniors are known to need these dental services more often than younger individuals.
The best dental insurance for senior citizens is the one that helps you maintain the budget and saves money during your retirement years.
These insurance plans have lower prices, shorter waiting periods, and lessened copays. These insurance plans also have a higher annual maximum to cover expensive dental procedures.
You will also experience coverage flexibility with these insurance providers.
Top 5 Dental Insurance for Senior Citizens
We listed the top 5 dental insurance for seniors:
1 – Cigna
Cigna has been a leading dental insurance provider in the US for over 200 years.
It currently serves more than 18 million policyholders in the US. The AM Best gives Cigna an A rating for financial strength. The company is our top choice for preventive dental care for seniors.
Cigna is the best dental health insurance provider for preventive care. It is affordable and offers a US$ 150 annual deductible and US$ 0 copay preventative dental plans.
The company also offers 24/7 customer service and a zero-paperwork claim process.
You have a choice between three distinct dental insurance plans from Cigna. They vary in price and coverage. The Cigna Dental Preventive plan is affordable at only US$ 19 per month and ideal for routine dental checks.
Cigna Dental 1000 is around US$ 33 per month and covers some advanced preventive dental procedures, such as restoration. It offers a maximum cover of US$ 1,000.
Cigna Dental 1500 comes for US$ 39 per month and offers extensive preventive and restorative dental care procedures. It also provides orthodontic coverage and a maximum of around US$ 1,500.
Best Features of Cigna Dental Health Insurance
- Three different dental healthcare plans
- There is no waiting period for diagnostic/preventive dental care
- In-network preventive care is paid at 100%
- Online claims handling and app to manage claims
- 24/7 customer service
- Online health information
2 – Aflac
Aflac ranks second on our list of the best dental insurance for senior citizens. The company has led dental and supplemental health coverage since 1955.
Aflac offers insurance coverage to over 50 million individuals. It has a Moody’s debt rating of A3, with record low complaints.
Aflac pays the reimbursement directly to the policyholder instead of the dentist. This creates a nationwide flexible and convenient network of dentists.
Aflac policyholders get different waiting periods according to the service category. For instance, you won’t have to wait for a dental wellness visit or x-ray test.
There is a three-month waiting period for pain-relief cases, while root canals and root extraction procedures may have around six months.
For dentures, you may have to wait for up to 24 months. Annual maximums may vary according to plan, with the top maximum of around US$ 1,600.
There are several exclusions in Aflac dental insurance plans, especially when it comes to pre-existing conditions.
Best Features of Aflac Dental Health Insurance
- Patients can visit the dentist of their choice
- You don’t need to pay deductibles after the third year
- You are directly reimbursed for dental care costs
3 – Renaissance Dental
Renaissance Dental (RD) is considered the best dental insurance provider for annual maximums. The company has been operational for over 70 years and today covers more than 13 million individuals.
It offers dental, disability, vision, and life insurance policies. The company has an AM Best Financial Strength Rating of A+ (Superior).
Renaissance Dental has no waiting periods for crowns and fillings under the MAX Choice and MAX Choice Plus plans.
Annual maximums range between US$ 1,000 and US$ 3,000 for the top-tier plan. The company offers a US$ 50 deductible for specific plans and a US$ 150 deductible for family coverage.
Some of the primary insurance plans from Renaissance Dental exclude major dental work, such as crowns and root canals.
Still, the company offers other plans with 20% coverage during the first year.
Best Features of Renaissance Dental Health Insurance
- No-waiting period insurance plans
- Loyalty program with increasing annual maximums
- Participating dentists submit your claim
- Cleaning is covered at least twice a year on several plans
- Can bundle dental and vision care together
4 – Humana
Humana is one of the US’s leading health insurance providers. Since its foundation, the company has covered several million individuals with different health insurance plans. The company earned an A financial strength rating from AM Best.
Humana offers dental care plans in almost every state in the US. You can choose a preventive-only policy or a policy with more extensive coverage.
The company offers different plans with loyalty advantages, adding vision care and lifetime deductibles.
The variety of options makes Humana rank on our list of companies with the best dental insurance for seniors.
Humana offers several different options that can save you money. You can easily find the one that is ideal regarding coverage and affordability.
For instance, Humana lets you add vision care to your current plan with an average of only an additional US$ 17 per month.
Best Features of Humana Dental Health Insurance
- Options to choose from several different plans
- Large nationwide provider network
- Loyalty plans with increasing maximum benefits
- The waiting period can be waived with proof of prior insurance
- Some plans offer lifetime deductibles
5 – United Healthcare
United Healthcare is another excellent choice for seniors to buy dental insurance. The company has been one of the leaders in the American insurance industry for over 40 years.
It gets an A1 (stable) rating from Moody’s. The company offers insurance coverage in 47 states within the country.
United Healthcare offers four dental insurance plans that are specifically designed for seniors.
There are several senior-friendly options, such as adding hearing or vision care to your dental package. You can also enjoy day-one coverage for most services.
The essential Gen Saver Dental Plan is the most affordable for the company.
Next comes the Gen Plus Dental Plan and the Gen Basic Dental, followed by the Gen Deluxe Dental, the premium option.
United Healthcare is famous for its day-one coverage option. There are no waiting periods for any Gen plans.
For instance, there is no waiting period for primary services. The day-one coverage option is highly convenient.
This helps United Healthcare stand out from senior insurance industry competitors.
Best Features of United Healthcare Dental Health Insurance
- Can add vision or hearing rider in a dental insurance plan
- No waiting periods for most services
- No maximum age limit restrictions
- Direct payment to in-network dentists
- Hearing aids and exams included in a dental plan
These are our top choices for dental insurance for seniors. These insurance providers have been chosen according to the level of convenience, affordability, and flexibility that each of them offers.
It is recommended to talk directly to a company representative and learn the details of the dental insurance plan before buying it.