As we age, our bodies require much more attention. One area where we need to focus on is our teeth. Most older people tend to not realize the need for good oral hygiene. That is why many elderly people have false teeth or lack of teeth itself. However, getting health care that provides dental coverage is not always easy to find. Medicare does not offer dental insurance, which many older adults can use. That being said, nearly ten percent of seniors cannot maintain good oral health because of the overwhelming out of pocket costs. Yet there are some options for receiving dental coverage other ways. Sometimes coverage can be found through retirement plans, Medicare Advantage plans with dental, employer-based plans, or through private insurance companies. <\/p>\n\n\n\n
When navigating the dental insurance market, most people are uneasy about it, similar to going to the dentist. The good news is that there are many types of plans to evaluate and choose from. Seniors most likely look at the cost of a plan, yet there are other factors to consider. Here are four ways to choose the best dental insurance plan that fits your needs. <\/p>\n\n\n\n
Over much research, the top five dental insurance providers are Cigna, Aetna, Humana, Delta Dental, and United Healthcare. Below is a short description and the stats that make these five the best options for senior citizens. <\/p>\n\n\n\n
Cigna dental insurance<\/a> basically has three different plans for seniors to choose from. These plans are Dental Preventive, Dental 1000, and Dental 1500. The cheapest one, Dental Preventive, is only $25 monthly, which remains the lowest estimated premium price for those 65 and older. Deductibles and copays are waived for preventive care and offers 24\/7 customer service through a simple claims management.\u00a0Finding a Dentist is easier than before, with more than 93,000 in-network dentists available. The Claims department is courteous and provides easy to fill out forms, including an easy way to track status of a claim. Some restrictions may apply on the plans. <\/p>\n\n\n\n Pros to Cigna Plans<\/p>\n\n\n\n Cons<\/p>\n\n\n\n Aetna dental insurance<\/a> for seniors offers three types of plans. Aetna Direct Preventive offers the lowest premiums. Yet it does not cover basic or major procedures. On the other hand, Aetna Direct Core and Direct Preferred provides a more favorable payment option for both basic and major procedures, which includes fillings and extractions.\u00a0 Searching for a dentist through the Aetna portal takes less effort as well, with around 372,000 practitioners to choose from. Aetna supports out-of-network coverage; however, choosing one most likely will be more expensive. Some procedures are not covered through Aetna and certain procedures may have waiting periods.\u00a0<\/p>\n\n\n\n Pros<\/p>\n\n\n\n Cons<\/p>\n\n\n\n Humana dental insurance <\/a>offers four different dental plans for seniors to choose from; including preventive care, vision coverage, and lifetime deductibles. Humana offers seniors a nationwide network of over 270,000 dentists. Each plan is reasonably affordable with the lowest only $21.99 per month. All plans include a deductible of only $50! Although the basic plan is the most affordable per month, the Humana Complete Dental plan provides a more financial benefit to the senior citizen.\u00a0<\/p>\n\n\n\n Pros<\/p>\n\n\n\n Cons<\/p>\n\n\n\nAetna<\/h3>\n\n\n\n
Humana<\/h3>\n\n\n\n
Delta Dental<\/h3>\n\n\n\n