Dental Insurance for Senior Citizens Author:    Posted under: BlogsHealth InsuranceHealth Insurance questions answered

With advancing years, dental problems manifest themselves in the form of looseness of teeth, and their increasing sensitivity. Most people often think that this is just something that naturally happens, and that the eventual loss of teeth is inevitable. Nothing could be farther from the truth. Even as people approach their senior years, it is still possible to maintain good dental health, not just by your daily dental hygiene routines, but most especially with the help of quality dental care.

Most families with seniors know that Medicare does not include dental insurance for the elderly. There may be exceptions but for most, they are too rare to be substantial. Because most insurance companies do not offer dental coverage to persons past the age of 62, it may be difficult for people in their advanced years to gain access to dental health coverage, let alone affordable ones. However, it is not impossible and if you are concerned for the oral health of an elderly loved one, a quick search on the internet will show you that there are organizations for seniors that offer affordable dental care.

One such organization is the American Association of Retired Persons who offers membership for individuals past the age of 50. The AARP Dental Insurance Program is offered exclusively to members of the association. Members have the benefit of an affordable dental insurance program provided by the AARP in partnership with other dental insurance companies such as Delta Dental Insurance Company, Dentegra Insurance Company and Dentegra Insurance Company of New England. AARP dental insurance quotes differ from one company to the other, and are also largely dependent on a member’s state of residence and his or her chosen dental plan. Another feature members can enjoy is their ability to enroll spouses to the program and any dependent children below the age of 26 or disabled children above the age of 26. The flexibility to choose between a group membership and individual dental insurance plans are also attractive to members.

AARP Dental Insurance Plans

The following are the insurance plans offered by the American Association of Retired Persons:

Delta Dental PPO Plan

Members can choose to obtain dental care from within or outside of the network of 67,000 locations for this plan. Financial transactions will chiefly be between Delta Dental and the chosen dentist, and the member will only be required to pay for his or her share of the total cost.

AARP Delta Plan A

Through this plan, AARP aims to help senior citizens by taking complete care of their diagnostic and preventive procedures. This plan provides 80 percent coverage for some procedures such as cleaning, denture relining and denture repairing, while it covers 50 percent of other procedures like root canals, surgeries and fillings.

AARP Delta Plan B

Except for some of the coverage details, many of the features available to members availing of Plan A are also applicable to members availing of Plan B. For this plan, the maximum benefit is around $1,000 and around $300 for joint dysfunction treatment.

More Dental Insurance Plans for Seniors

Aside from AARP dental insurance program, there are other programs available to the elderly. These are:

Dental HMO Plans

Plans such as these offer free routine and preventive care through a network of contracted dentists. Members of these plans are required to select dentists and dental offices from within their list.

Dental Insurance – Indemnity Plans

Dental Insurance – Indemnity Plans entail having to pay the difference of the dentist fees that are not part of coverage offered by the plan. The coverage can vary from 50 to 80 percent. Members have the ability to choose their own preferred dentist with this plan, but certain services covered may have limits set (i.e., number of times a person can get procedures such as cleaning done) in a year.

There are far more options for the elderly than most people are led to believe. It is vital for research on the different plans before making a decision to ensure that you are getting proper dental health coverage for a reasonable price.


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