Senior Dental Plans

Elderly folks in need of dental services need to see dentists who are experienced and equipped with technical expertise.

The costs of dental treatment are quite pricey so senior citizens must avail of full coverage dental plans. The problem is majority of older people depend solely on their retirement plans or fixed wages (if still currently employed). As cost of living goes up, their stagnant income becomes inadequate to even meet basic necessities to include dental care. Ironically, seniors need more treatment than younger individuals because of their teeth’s susceptibility to ruptures and corrosion. That is why dental plans for seniors are very crucial.

Minimal Dental Assistance for Senior Citizens

It is unfortunate that Medicare does not make available dental care for old persons. The managed care plans of Medicare Advantage and Medi-Gap supplemental health insurance plans do not provide dental plans for seniors as well. However, a number of state Medicaid programs extend limited dental care in some counties. It is advisable to consult the local social services office if you are registered with Medicaid to find out if dental treatment is one of the benefits. Likewise, inquire from the state or county dental association or dentist groups regarding possible dental perks.  Some organizations conduct free dental clinics for low-income adults and lower rates for elderly individuals. There are also universities with colleges of dentistry that offer free treatment and very affordable dental plans courtesy of new graduates who are looking for experience. Some adult care facilities also employ dentists who treat old folks for free.

Dental Insurance Coverage is Expensive

The supplemental dental insurance plans are fairly expensive and according to the National Association of Dental Plans, often, even those with fixed incomes can’t afford it. The truth is that old people need more extractions and dentures to be performed on their teeth. However, dental insurance is not allowed when a person reaches a certain age. One viable solution for seniors is the dental discount plan which is offered by huge organizations all over the country. These groups are composed of dental practitioners who are willing to treat patients belonging to this age group at discounted rates. You can sign up by simply paying an average of $100 annually (the rate depends on your location) and seek treatment in any clinic belonging to this network. The bill of seniors is reduced by 40% up to 80%. More so, this is not in conflict with Medicare or Medicaid programs.

These discount dental plans cost $60 to $140 every month. It is possible to apply for these programs online. All applicants have to do is look for websites that provide information and instructions on enrollment procedures. These dental networks have developed significantly over the past few years with more dentists participating as a gesture of generosity and public service. Major providers of dental insurance plans have attested that nearly 80% of their dentists have already participated in the program. The reduction is relatively substantial. The individual dental insurance plan has an average premium of $200 to $600 every month. There is a corresponding deductible of $500 to $1,500 each year. The discount program is almost 70% cheaper compared to acquiring individual insurance given one main dental procedure and every quarter and two annual check-ups.