Did you know that as a senior, your health benefits change? Signing up for Medicare can be confusing, and knowing what is and isn’t covered is also a tough thing. Dental insurance for seniors is not covered by Medicare. Not only do most people not know that, but they do not know how to get the dental coverage they need. Here we will explain several different ways to get dental insurance for seniors.
Taking care of your teeth is important, and old age is especially a time to get good dental coverage. You will need to care for your teeth, prevent and treat gum disease, deal with broken teeth and possibly get implants or dentures. If you are like most people, you want to know what you need to do to get dental insurance. Here are some ways:
PPO Dental Insurance for Seniors
PPO stands for Preferred Provider Organization. If you are a retiree, you can likely carry over this coverage from when you were employed at little to no out-of-pocket cost. This is the best option if this is something you can do because you will get to keep the providers you have been working with.
PPO insurance is something that can be purchased individually as an individual or family plan, although these likely have the highest annual premiums out of all the types of dental insurance for seniors. If you are set on working with a large list of providers for your dental care, then this plan is best for you.
A word of caution with PPO plans: You may have to pay your deductible prior to getting services, and you may also need to fill out claim forms to get services paid for. You will have to dispute claims of care they feel is excessive or unnecessary.
If you are the type of senior that is very particular about the care you receive, or you are lucky enough to carry your PPO insurance over from your job, then this type of insurance is what you should have.
HMO Dental Insurance for Seniors
An HMO is a Health Maintenance Organization. They are an exclusive network of providers that have agreed-upon rates with insurance companies. There is no haggling back-and-forth about claims, and you can often receive the same level of care as you would with a PPO, although some patients do claim they are rushed through the process and don’t get the care they would like.
With an HMO, you have a panel of dentists and specialists that are available to you, but expect to pay full price if you want to see someone out of the network.
Many seniors carry over HMO insurance from their employers, but you do have the option of accessing HMO plans without ever being employed.
If you want affordable, quick dental care, and you do not have a preference which dentists you see, then HMO dental insurance for seniors is for you.
Dental Indemnity Insurance for Seniors
It is possible to choose whichever insurance carrier you wish. You can compare rates and find the best plan for you. These plans, commonly referred to as traditional insurance plans, are easily applied for online or through your insurance agent.
For these plans, you pay by services rendered. You choose what deductible you want and what percentage of your services you would like covered. Of course, the lower your monthly payment, the higher your deductible is likely to be. Often, you can get preventative or diagnostic services covered, such as cleanings and x-rays, but other times you will have to pay a percentage of those.
Prepare to pay a percentage of certain services, such as root canals, bridges and crowns. Dental indemnity plans usually cover 50-80%, depending on how high your monthly payment is.
Remember that health insurance does not cover dental care unless there is an emergency, and even then it will only cover things like extractions. Make sure you are covered by acquiring cheap dental insurance for seniors.
Discount Dental Plans for Seniors
Cheap dental insurance for seniors can be hard to find, but a solution is found in the way of discount dental plans. For very low monthly rates, sometimes as low as $6.95, you can be a part of discounted dental services. There is no bartering with an insurance company or the dentist for a lower rate. You are already getting the lowest rate they will agree to. Many seniors already take advantage of these services through club memberships at Costco and Sam’s Club.
Cheap dental insurance for seniors is available if you know where to look. Now that you are armed with the facts about the different types of plans out there, you should be able to make an educated decision in regards to your dental care.