Tuesday, December 07 2021

Dental Insurance Options for Seniors

Having dental insurance may not seem that important, but it is to maintain a picture of well-rounded health. Oral health is essential to your physical health, and some refer to the mouth as the gateway to wellness. Research studies show that oral health is connected to positive overall health and well-being. As an older person, oral health becomes even more important because you can be more susceptible to diseases. The best choice is to have an oral check every six months and to be treated whenever an issue arises with your teeth or gums. Regular dental care for seniors can be difficult because Medicare does not provide dental coverage and Medicaid’s coverage is quite limited. This leaves the out-of-pocket expense too much for some to be able to have regular care. Many seniors are on a fixed income may find it difficult to afford dental care or insurance. Here are the top three dental insurance options for seniors: eHealth, :DentalPlans and Careington.

eHealth Dental Insurance is the first internet-based company to provide nationwide dental insurance where you are able to choose the type of coverage you need. It works much the same as medical insurance with a monthly premium that provides at least basic coverage. The basics will include regular cleanings, checkups, x-rays, and other general dentistry for good oral health. From there, you can choose plans with a broader array of coverage to fit your oral health care needs. More services will mean a higher premium and can include services like dental implants and oral surgery. At the eHealth site, you will find an easy online application, a comparison tool for you to compare plans, and you will have a plan selection advisor for help if you need. They work with some of the top dental insurance providers across America, and you will be able to find the right coverage at a price to fit your budget.

:DentalPlans is an alternative to an insurance policy. Instead of paying monthly insurance premiums, you pay a fee for the year to become a member. As a member, you receive dental care at significant savings. For example, for a routine checkup, you can save up to 46 percent off the regular cost or for a perio scaling and root planning you can save up to 51 percent. The nice thing about this plan is there is no waiting for pre-existing conditions before you can enjoy the savings for certain procedures. The plan gives you a clear set of typical dental procedures with the price you will pay with the dental discount program. You can choose the dental procedures you would like to include in your discount program, and the plan will begin immediately.

Careington dental insurance comes in third and works something like the :DentalPlans. Careington partners with companies like Delta Dental, Madison Dental, and others. You pay an annual fee, choose your provider that accepts the Careington discount card, and then you receive a significant discount for the dental care. Discounts are reported to be 20 percent to 60 percent depending on the procedure. By working directly with the dental insurance providers, they can get you the best dental care discount possible. Careington also offers dental insurance plans at a higher rate to cover more extensive oral treatment needs. The major complaint about this program is the limitation of the providers. If you are referred to a specialist that is not within their network, your discount will not apply. You can easily change providers, and you can travel and use any provider that participates in the United States.