As we get older, our teeth and gums show the effects of wear and tear. So much so that nearly 42 percent of seniors in the United States have had problems that resulted in tooth loss, and they wear implants or dentures as a result. Just like people of all ages, seniors need proper dental care. This care can be costly and that is why there is such interest in finding the dental insurance seniors need to ensure good oral health.
Don’t Put Off Buying Dental Insurance
It is wise to buy a dental insurance plan before you actually need extensive dental work done. Just like with traditional health insurance, your rates will be much higher if you have existing problems. You could even be denied coverage. However, if you are facing expensive dental work, it doesn’t hurt to apply for insurance coverage because if you get accepted it might save you some money if for no other reason than it might make you eligible for the insurance company’s lower rates. So even if you don’t get reimbursed by the insurance company, you may have less out of pocket expense because you can pay for dental services at the insurance company’s lower negotiated rates.
4 Key Steps To Buying Dental Insurance Seniors Need
Depending upon the insurance company, you may be offered a special package created for seniors or you might buy into the same insurance program as people of all ages. In either case, shopping for and buying dental insurance for a senior citizen is really no different than shopping for and buying an insurance plan for anyone else. Here are the four basic steps to buying dental insurance.
1. Use the internet to research the various dental plans so you can narrow down the choices. Pay attention to the procedures that are not covered and those that have very low coverage. Also be sure to compare the deductible and monthly premiums.
2. If you already have a dentist you like, check to make sure he or she is on the insurance plan you are considering. Most insurance plans work with preferred providers and that means if you go to another dentist for treatment, the insurance company won’t pay. If you don’t have a dentist, ask your family members or trusted friends who they would recommend.
3. Now you can narrow down the list of potential dental insurance providers. Choose the ones that provide suitable coverage for the types of procedures you will probably need and make sure your chosen dentist is on their list of providers.
4. Before making your final decision, contact an authorized agent and discuss your selection. An agent can help you determine if the choice is right for you and will be able to point out weaknesses in the plan you hadn’t considered.
Know Your Plan
When it comes to dental insurance, seniors have a wide variety of plans to choose from. Some may only cover basic cleanings, so if you need a filling or X-ray you will have to pay for it out of pocket. Other insurance plans may offer a flat discount on all dental services offered so that you have to pay, but you pay less than you would without insurance. Some might have a huge deductible that you must pay each year before the insurance kicks in and covers anything. It is important to take the time to read through the types of plans available and pick the one that includes the dentist you like and covers the dental services that you value most.