Affordable dental insurance plans for seniors
As per statistics revealed by the National Association of Dental Plans, more than 46 million people, aged 65 and beyond, in the country do not have a dental coverage, although most of them suffer from some or the other dental problems. Considering that elders are highly susceptible to dental ailments, it is important to maintain oral hygiene for the young and old alike. With a good dental hygiene and timely visits to the dentist, the problem may not lead to major health concerns. Seniors are highly susceptible to root decay, dry mouth, oral cancer, uneven jawbone, gum diseases, attrition, and thrush or an overgrowth of fungus. Such concerns could lead to difficulties in chewing and also cause trouble in maintaining a healthy lifestyle.
Dental care options for seniors
It is not necessary for senior adults to purchase dental insurance. The Affordable Care Act (ACA) offers affordable dental insurances for seniors which are available even without a health insurance policy. Seniors may get access to dental care through Medicare. It does not provide coverage for routine dental care but pays when the medical and dental care needs intersect. There are private insurance companies that offer dental benefits to seniors. Further, Medicaid is a state partnership program which provides healthcare coverage for seniors and low-income earning citizens. As per the law, states may or may not include dental benefits in their Medicaid programs as it is an optional service.
Senior dental savings plans
It is well-known fact that a lot of seniors have major dental health issues and they hope that their health insurance policy will help them with the cost. However, traditional dental insurance plans do not cover any preexisting conditions and they will also not pay for teeth replacement, which were lost prior to the purchase of the plan. Hence, affordable dental insurance for seniors is an opportunity to avail of affordable treatment for current dental health problems. The insurance is a smart move and has a low premium. It will provide for the costs incurred when you visit the dentist and for the treatment required for your teeth.
Although there are limited options in the top dental plans for seniors, it is best to compare the insurance plans before making a choice. Compare the cost and the features in every plan so that you are in a position to make a well-informed decision. Check if the plan offers benefits such as dental implant coverage, zero waiting period for full coverage, no age bar, and so on. A dental insurance plan is as useful for seniors as a health insurance plan is because it provides a compressive dental health coverage, just when you need it the most.