Dental Insurance Plans for Seniors

Dental Insurance for Seniors

With age, it becomes even more important to take care of your dental hygiene. It can seem like a daunting task to make it to the dentist, but Aflac offers affordable dental insurance for senior citizens. Depending on your coverage goals, there are various dental insurance options to choose from.

Regulations and coverage for dental plans vary from state to state, so it’s important to seek out choices accordingly. Dental insurance for seniors in California may look very different from those in Georgia. Regardless, we can help you find an insurance plan that makes the most sense for seniors over 65.

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Table of Contents

Key Takeaways

There are multiple dental insurance options that seniors can choose from, including network dental insurance, supplemental plans, and dental discount plans.
Without insurance, dental procedures can get costly. For instance, dentures can cost up to $8,000, and fillings may range from $100 to $500.
Aflac's dental insurance provides flexibility and reasonable premiums, allowing seniors to add vision and hearing coverage and work with any participating dentist.
Dental insurance from Aflac can cover preventative, basic, and major services, with some plans also offering optional vision and hearing coverage for comprehensive care.

How Dental Insurance for Seniors Works

Dental insurance for seniors is coverage that is designed to help reduce the cost of dental care, including routine checkups, treatments, and procedures, promoting good oral health as you age. Additionally, both dental and vision insurance for seniors are important areas to focus on. They work differently than other insurance types but are just as crucial to overall health. For example, regular eye and oral exams can detect early signs of more serious conditions, like brain tumors, cancer and diabetes.¹

Here’s what you should know about dental insurance for seniors:

Medicare may not cover dental procedures: Most seniors over 65 automatically qualify for a Medicare policy.² However, not all Medigap and Medicare policies cover dental or vision treatments and procedures.

Aflac dental insurance can offer extensive coverage: Having supplemental dental insurance for seniors on Medicare could be a smart move. Additionally, it allows you to add vision and hearing coverage to your plan. This way, you can make sure all your bases are covered with one holistic policy. The best dental insurance plan for seniors will depend on which specific procedures you need.

Types of Dental Care Expenses for Seniors and How Much They Cost

Here are some common types of dental care expenses and how much they cost without insurance.

Dentures: Seniors may require dentures to replace missing teeth and restore their ability to chew and speak comfortably. Removable dentures can cost up to $8,000.⁵
Tooth extraction: If a tooth is severely decayed or damaged, an extraction may be necessary to prevent further oral health issues. A tooth extraction can cost anywhere from $75 to $200.⁶
Filling: Fillings are commonly used to restore teeth that have been affected by cavities or minor damage. A filling can range from $100 to $500.⁷
Periodontal cleaning: Seniors with gum disease may need a periodontal cleaning, or deep cleaning, to remove plaque and tartar buildup below the gum line. A periodontal cleaning can cost at least $100 per quadrant of your mouth.⁸

Aflac dental insurance can help cover the cost of these procedures and more. Read on to learn what coverage our plans offer.

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Types of Dental Insurance Plans for Seniors

Discover which plan works best for your unique needs and compare dental insurance plans for seniors. Researching dental insurance for seniors and their reviews can help you gather more information to make an informed decision.

Network Dental Insurance

Network dental insurance may be a good choice if your usual dentist is a member of a specific network. A network is a group of dentists that agree to provide services at a set rate within an insurance company. The insurance company then provides benefits if you visit an in-network dental provider. You may have to pay higher rates if you choose to see an out-of-network dentist.³

With Aflac’s dental insurance, you have the choice to work with any of our participating dentists, regardless of the network they are in.

Supplemental Dental Insurance

Dental insurance for senior citizens is an area of wellness that shouldn’t be neglected. Even if you have a primary dental insurance plan, there may still be expenses to be paid out-of-pocket. Supplemental dental insurance helps provide coverage in areas not covered by a standard dental plan.

Aflac also provides supplemental dental insurance if you already have a primary plan and need additional support.

Dental Discount Plan

A dental discount plan can be affordable for seniors but does not offer annual benefits like a network or supplemental dental insurance plan would. A dental discount plan requires you to pay a membership fee per year and then offers you discounts on specific dental treatments and procedures.⁴ This kind of plan is not offered at Aflac.

What Does Dental Insurance for Seniors Cover?

Dental insurance plans for seniors can provide coverage for many treatments and procedures, but varies depending on the insurance company you choose to work with. From preventative care to major diagnostic procedures, you can meet your coverage goals with Aflac’s dental insurance. Here’s what our plan covers:

Preventative Care: Exams and cleanings
Basic Services: Simple dental care
Major Services: Major dental care

Optional Hearing and Vision Coverage

Unlike most dental coverage, with Aflac’s dental insurance you have the option to add hearing and vision coverage to your plan. We make it easy to care for many aspects of your health with just one plan. You can speak with an Aflac agent to learn more about policy features and coverage.

Is Dental Insurance Worth It for Seniors?

As mentioned, vision and dental insurance aren’t always covered in standard healthcare plans. Therefore, it’s crucial to research your options and find the best options for vision and dental insurance for seniors. Supplemental dental insurance can also be a wise move to maintain a strong oral hygiene routine.

Some plans may seem like they are offering cheap dental insurance for seniors, but there may be surprising fees that arise later. However, low-cost dental insurance is feasible. At Aflac, you can find affordable dental insurance options for older adults.

Aflac Offers Dental Insurance Coverage for Your Dental Care Needs

Aflac’s dental insurance can be an ideal choice for seniors. Here’s a summary of the key advantages our plans offer:

Option to add additional coverage: You have the option to add vision and hearing to your existing plan rather than enrolling in multiple plans.
Choose your own dentist: With no network requirements, you have the freedom to work with any dentist.
No waiting period: There’s no waiting period for most routine services and a short wait for more invasive treatments.
Coverage that works for your budget: We offer budget-friendly rates.
Deductibles that decrease: With Aflac dental insurance, your deductibles will decrease over time.

Get a quote or start chatting with an Aflac agent today to see how you can take charge of your dental hygiene.

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