Senior Dental Insurance Guide | Direct Benefits

Senior Dental Insurance Guide

 

If you got your dental insurance from an employer in the past, you’ll find yourself lacking this important coverage when you retire. Thankfully, you can shop for a plan that’s designed with seniors in mind, so you don’t have to worry about paying for everything out of pocket. 

Why is dental insurance for senior citizens so important? Well, like other aspects of your health, your teeth and gums may become more susceptible to problems as you age. Cavities, gum disease, sensitivity and pain, tooth loss, and jaw problems might all develop when you’re older, and they can all be expensive to treat. 

With a comprehensive and reliable insurance plan in place, you’ll be able to see your dentist often, as well as undergo any restorative treatments you need, without breaking the bank along the way.

senior man helping his granddaughter with homeworkIs Dental Insurance for Senior Citizens Worth It?

You might be wondering why you’d need to sign up for dental insurance if you’re covered by Medicare. Well, the truth is that Medicare doesn’t cover all of your dental care needs. While it might help with costs associated with a treatment for your overall health, such as a dental exam prior to undergoing a medical procedure, it won’t cover trips to the dentist. This means you’d need to pay for things like checkups, cleanings, fillings, dentures and implants completely out-of-pocket. All of that can take a serious toll on your budget! 

What about Medicare Part C plans that you can purchase to supplement Part A and Part B? Well, you need to be extra cautious when shopping for those plans because they don’t always cover dental care either. A better route might be to purchase a separate dental insurance plan designed to cover everything from preventive care to major services. That way, you can rest assured you’ll get the financial support you need to keep your teeth and gums healthy during your golden years.  

 

 

 

What is The Best Dental Insurance For Seniors?

As you get older, your risk of a variety of oral health problems is likely to increase. Taking care of your teeth and gums is just as important as ever. But, as a senior, you’re likely on a fixed budget, so it might be harder to afford the care you need. 
After retirement, the last thing you want to worry about is unexpected out-of-pocket expenses related to keeping your whole mouth healthy. With the right dental insurance for senior citizens, you can more easily stick to your budget without sacrificing high-quality care. 


So, what is the best dental insurance for seniors? Put simply, it’s a plan you can afford, and it’s also a comprehensive plan that will help cover even the most expensive treatments and procedures. 

 

Here’s a list of some dental procedures that seniors might need, along with what they cost, on average:

  • A checkup and cleaning might cost anywhere from $150 to $250. It might cost $50 to $150 for an exam, along with $70 to $200 for a basic cleaning. And because seniors might need to get three or four cleanings per year, these costs can quickly add up!

 

  • X-rays can cost anywhere from $25 to $300.

 

  • To treat decay, a filling might cost anywhere from $50 to $450. The price will depend on factors like the tooth being treated and the filling material that’s used.

 

  • A root canal and crown might cost upwards of $1,500 or more. Broken down, the cost might be anywhere from $300 to $2,000 for the root canal, depending on the tooth that’s treated. The price of the crown will depend on the material that it’s made of, and it might be anywhere from $500 to $3,000.  

 

  • If a tooth is severely decayed or loose, and it needs to be extracted, the cost might be anywhere from $75 to $650.

 

  • To restore your smile when missing teeth, you have several options, but they can all be pricey. A bridge might cost as low as $1,000 or as high as $12,000, depending on how many teeth you’re replacing with it. Dentures might cost anywhere from $300 to $8,000, depending on whether you need partial or full dentures. A single dental implant might cost around $4,800, but the final cost will depend on whether you need other treatments, such as a bone graft, as well. 

 

  • To treat gum disease, your cost will depend on how severe the problem is, but it might be anywhere from $500 to $10,000. 

 

 

 

Senior Dental Insurance FAQ

What are some things to look for when shopping for dental insurance?
Will a dental insurance plan really help me save money?
Why is it so important to see my dentist as a senior?

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  • 1/1/2021
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