As we age, our mouths become more susceptible to harm. This includes cavities, gum disease, and other issues that require professional treatment. Seniors on a fixed income need dental insurance plans that will help them obtain the care they need without high out-of-pocket expenses. Dental insurance for seniors over 65 addresses the unique dental needs of seniors. That way, they can rely on consistent coverage that fits their budget.
Dental Insurance for Seniors Over 65: Coverage Details
Many plans cater to individuals over 65 by covering services needed most. Plans like this frequently provide coverage for:
- 100% of dental cleanings, palliative emergency treatment at the dentist, and other preventive services (this may include a co-payment)
- 80%1 of basic services (fillings, extractions, and diagnostic x-rays)
- 50%1 on major services ( oral surgery, periodontics—gum disease treatment, dentures, bridges, and root canals)
Dental insurance plans for seniors over 65 often offer reasonable pricing options. This may include low premiums and low deductibles for basic and major services. Like many dental insurance plans, waiting periods of 6 months to 12 months may apply for basic or major services. Seniors shopping for dental insurance plans may benefit from reviewing the services they feel they need and checking plan options for applicable waiting periods.
Finding a Plan to Fit Your Budget and Your Needs
For assistance in comparing dental insurance plans for seniors over 65, contact HealthMarkets. Our 3,000+ agents are trained to help individuals such as yourself evaluate your budget and dental health insurance needs to find a plan with moderate prices and comprehensive coverage. Call one of our representatives at any time at (800) 360-1402 or visit online to find a local insurance agent.