Is Dental Insurance for Seniors Worth It?

Senior Dental Health
By: Spirit Dental
January 19, 2022

An older couple smiling because they're enrolled in a Spirit dental plan

As you get older, your teeth and gums change. This means you might need to see the dentist more often to treat problems like tooth decay and gum disease. It’s just part of the aging process. 

Unfortunately, dental care can be expensive, especially when you need to pay for it all out of pocket. And, as a senior, that can be really hard to do. Thankfully, dental insurance can help you save!

When it comes to dental insurance for senior citizens, you have many options, and you don’t need to break the bank to get the right level of coverage. To show you what we mean, here’s a brief guide to dental insurance for seniors.

Should seniors buy dental insurance?

Absolutely! Having the right insurance can help you rest assured you’ll be able to see the dentist for preventive care and emergency treatments.  

As mentioned above, your teeth and gums change with age. Problems like cavities, root decay, and gingivitis or gum disease might arise. Some seniors end up losing their teeth, which might affect the jawbone or bite, while others develop uncomfortable dry mouth. And if you wear dentures, you might experience issues like inflammation. Plus, you might be at a higher risk of fungal infections or oral cancer. Wow, that’s a lot!

Also worth noting: other health concerns (e.g. diabetes) might impact your mouth. And oral health problems might lead to issues in other areas of the body (e.g. cardiovascular disease). 

The point is you never know what will happen to your oral health, even if you always had strong teeth when you were younger. That’s why it’s wise to shop for affordable dental insurance for seniors. A plan that suits your fixed budget can help ensure you won’t ever have to skip a trip to the dentist. 

Does Medicare provide dental coverage?

Many people are under the impression that Medicare will be there to help cover the cost of dental care, but the harsh truth is this isn’t the case. So, if you don’t plan accordingly, you might find yourself lacking the coverage you need to afford treatments. In fact, experts have found that roughly 65% of seniors on Medicare don’t have any dental coverage at all. 

Medicare Part A and Park B won’t cover routine dental care, such as exams, cleanings, and various restorative treatments. You might, however, receive some support if you need oral care that’s related to a medical condition. 

One way to get dental insurance for seniors on Medicare is by signing up for a Medicare Advantage (Part C) plan. Options vary, so it’s best to thoroughly check a plan’s details to be sure you’ll receive routine dental care benefits at a price you can afford.  

What about Medicaid?

If you’re eligible for Medicaid, you might be able to get some dental benefits. However, this may depend on where you live, as some states don’t provide any dental coverage while others might have limitations on what’s covered. Be sure to read the fine print so you’ll know exactly what you can get and what you’ll need to pay for out of pocket. 

Consider stand-alone dental insurance plans for seniors

If you’re planning on buying dental insurance on your own, there are a couple of ways you can go about doing so.

One option is to head to or your state-run Marketplace. Some companies that provide health insurance also offer dental plans, or you might be able to get dental coverage as part of a health plan. However, there might be limitations on when you can sign up, or you might be required to buy a medical plan if you’re purchasing a dental plan. 

Alternatively, you can purchase plans directly from insurance providers, and you can do so at any time of the year. This gives you a lot of freedom, and you can look at all of the details to compare plans carefully. Then, just select the one that will give you exactly what you want.  

Spirit offers high-quality dental plans for seniors 

At Spirit, you can find affordable yet comprehensive options designed for seniors. Perks include three cleanings per year, no waiting periods, high dental insurance annual maximums up to $5,000, coverage for implants, and the option of seeing any dentist you choose

All of this means you can get valuable support when paying for everything from preventive care to major services, so you won’t need to go over your budget or sacrifice getting the high-quality care you deserve. Keeping your smile bright and healthy in your golden years has never been easier!  




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