The aging process naturally brings more focus on health. But while many seniors pay close attention to their overall health, teeth and gums are often neglected. However, the truth is that dental health plays a crucial role in overall wellbeing, even for those who have dentures and implants. Letting any dental issues go untreated can lead to more serious problems later on, such as heart attack, stroke, diabetes, and even cancer. As a senior, finding an affordable dental plan that also provides quality care can be challenging, but the good news is that it's not impossible. For example, Delta Dental, Cigna and Solstice all offer affordable plans that allow seniors to get the dental care they need. Keep reading to find out more about finding a good dental plan for seniors.
Dental Dental is a great option not just because they make up the largest dental coverage provider in the United States, but also because they tailor certain plans specifically to seniors on convenient payscales. For example, the Delta Dental Individual and Family PPO plan allows seniors (age 65 or older) to get a full 12 months of coverage for just $259 - that's 75 cents a day, and less than $25 a month. With this plan, most preventive and diagnostic services are covered fully at 100 percent, while patients are eligible for discounts up to 45 percent on other services. There are also no wait times, deductibles, financial maximums or copays.
Cigna is a major healthcare provider that also has a large array of dental plans. With a Cigna dental plan, seniors do not have deductibles on routine / preventative care and no annual financial or coverage limits, meaning they can get all the care they need. Additional bonuses that add to the value of the plan are no waiting periods and no pre-authorizations, along with fitness club discounts. Seniors who enroll in a CignaPlus Savings plan are also eligible for further discounts for hearing and vision care. The cost of a Cigna dental plan can vary, but seniors can get coverage for as low as $19 a month.
Solstice is a longstanding dental coverage provider that has some of the best discounts around for seniors. While not strict insurance plans that limit patients to specific networks and dentists, Solstice is instead a discount dental care provider that allows patients to see who they want at lower costs. On the Solstice Dental Discount Plan, for example, seniors can get preventive care services for no charge twice a year and are also eligible for up to 50% savings on other services and treatments. This plan also comes with a discount prescription drug plan at no extra cost. Again, this is an open access plan, meaning patients do not have to choose a primary care dentist. Costs vary depending on the services needed each year, but the average senior patient can save hundreds to thousands of dollars with this route.
It's worth noting that many seniors may also be eligible for certain family / spousal plans. It is worth looking into all available options before making a decision. That said, dental care is not something to be put off. Even seemingly minor tooth and gum problems can quickly worsen into something more serious. Getting a quality dental plan is crucial to making the golden years truly golden!