May 29, 2015
2 minute read

Dental Insurance for Seniors: Know Your Options

Seniors deal with special issues that affect their teeth. Gum disease, tooth decay along tooth roots, and the use of various medications can alter the oral health of seniors. In fact, gum disease is the leading cause of tooth loss among adults and seniors. Research shows that treating gum disease can also help manage other chronic inflammatory conditions such as heart disease and diabetes.

As you know, daily brushing and flossing can help prevent gum disease. However, only a professional dental cleaning can remove plaque and tartar above and below the gum line. Dental insurance for seniors can help alleviate the expense of dental cleanings and other services, especially for common ailments such as dry mouth, ill-fitting dentures, or failing crowns and bridges. That way, you can maintain (and afford) regular check-ups, protecting your pearly whites and preventing unexpected diseases.

Where Can I Find a Dental Plan for Seniors?

Medicare does not cover dental cleanings or other services, and Medicaid only provides limited coverage. However, dental insurance for seniors is possible through private plans set up as Preferred Provider Organizations (PPOs) or Dental Maintenance Organizations (DMOs).

PPOs for Seniors

PPOs typically provide:

  • 100%1 coverage for preventive services, gum cleanings, and denture repairs with no waiting period
  • 80%1 coverage for fillings, root canals, and oral surgery with no waiting period
  • 50%1 coverage for more advanced treatments such as dental implants, dentures, and crown restorations after the first year on the plan
  • A decrease in your out-of-pocket expense when selecting an in-network dentist

Plans like this usually offer a few pricing options. One option may offer benefits for most dental services at a reasonable premium. The alternative would offer lower monthly premiums but with slightly decreased benefits for some preventive and basic services.

Key Dental Insurance Tips for Seniors:

  • Protects your oral health
  • Affects your overall wellbeing by helping to prevent unexpected diseases
  • Reduces out-of-pocket expenses through DPPO and DHMO plans

DMOs for Seniors

For individuals living on a fixed income, DMOs are traditionally the least expensive dental insurance option for seniors. These plans typically offer:

  • Predictable out-of-pocket expenses because you only pay a low co-payment (when applicable) for the service you are receiving
  • No waiting periods for dental services including bridges and crowns
  • No annual dollar maximum
  • Selection from a network of participating dentists

Don’t Ignore Your Oral Health

At HealthMarkets, our 3,000+ agents understand how to identify the right dental insurance plan for seniors. They can learn about your unique needs and help you offset the cost of dental care. Call HealthMarkets today at (800) 827-9990 or find a local agent.

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© 2022 HealthMarkets Insurance Agency. All rights reserved.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1- 844-704-7357), 24 hours a day/7 days a week, to get information on all of your options.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

HMIA001103

© 2022 HealthMarkets Insurance Agency. All rights reserved.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1- 844-704-7357), 24 hours a day/7 days a week, to get information on all of your options.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

HMIA001103

© 2022 HealthMarkets Insurance Agency. All rights reserved.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1- 844-704-7357), 24 hours a day/7 days a week, to get information on all of your options.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

HMIA001103