Dental Insurance for Seniors

With Spirit Dental, we make it affordable to find dental insurance for seniors that covers the procedures you need.

Tailored dental insurance for seniors: a vital investment in your health

By signing up for dental insurance for seniors, you can get financial support so you never have to skip an appointment or treatment. 

But is senior dental insurance worth it? Absolutely! As you'll see below, dental plans for seniors can be extremely helpful when it comes to reducing out-of-pocket costs, and that's really important for those on a fixed budget. 

Maximize your dental benefits this open enrollment

Open enrollment is the perfect time to secure a dental plan that keeps you covered without hassle. Our Dental Insurance Open Enrollment Guide is designed for Medicare and ACA shoppers, providing clear insights on choosing the right dental coverage. 

Comprehensive dental insurance for seniors: beyond basic coverage

At Spirit Dental, we offer a range of dental insurance plans specifically crafted for seniors. Our senior dental plans go beyond basic coverage to include benefits that are particularly valuable to older individuals. These plans often feature enhanced coverage for services such as dentures, crowns and oral surgeries, which are more common among seniors. By tailoring our plans to seniors' needs, we aim to ensure that you receive the dental care you require without financial strain.

Affordable senior dental plans

We understand that affordability is a top concern for many seniors. To ease the financial burden, Spirit Dental offers senior dental plans with special benefits tailored to our senior members. These benefits include no waiting periods, lifetime deductibles and high annual max plans. Our goal is to make quality dental care accessible and affordable for seniors, allowing you to maintain optimal oral health and well-being during your retirement years.

Discover the value of senior dental plans from Spirit Dental

Are you looking for comprehensive dental insurance tailored specifically to seniors? At Spirit Dental, we understand the unique dental needs of older individuals and offer specialized senior dental plans that go beyond basic coverage. Watch the video below to learn more about how our plans can provide you with the support and peace of mind you deserve for your dental health in your golden years.

Find the best dental insurance plans for seniors at Spirit Dental

We understand how difficult it can be to find high-quality, affordable dental plans for seniors. That’s why our dental plans are designed to fit your unique needs and budget.

Here are some of the main benefits you can expect:

• $100-lifetime deductible
• No age limit and guaranteed acceptance
• Coverage for preventive care, basic services, major services, and dental implants
• Up to three cleanings covered per year
• Up to a $5,000 annual maximum dental insurance

We also offer no waiting period dental insurance, so you can get the dental care you need immediately.

Bonus: With a Spirit Dental Senior Preferred PPO Plan, you get the added benefit of hearing coverage for exams and hearing aids. Plus, when you enroll in a dental plan, you can bundle vision insurance for as little as $7 per month. 

Frequently asked questions about senior dental insurance

What does dental insurance for seniors typically cover?

The best dental insurance plans for seniors provide a range of benefits that help reduce the amount of money you need to spend whenever you see the dentist. Senior dental plans vary, but here’s an idea of what's possible:

• Preventive care, such as exams, cleanings and X-rays, covered at 100%
• Basic services, such as fillings and extractions, are covered at up to 80%
• Major services, such as bridges, implants and dentures, are covered at up to 50%

The right dental insurance for seniors can help you pay for senior dental care, including routine care, restorative procedures, and emergency care. Knowing that you have this support can make a huge difference because you won't need to worry about affordability.

If you're on Medicare, you might think that you don't need a separate dental plan, but the reality is that Medicare Part A and Part B don't cover routine dental care. This means that everything from checkups and cleanings to fillings and other procedures won't be covered, so you’d need to pay for them out of pocket.

The exception might be if you need oral care because of a medical condition. In that case, Medicare might help cover some of the cost. Also, if you sign up for Medicare Advantage (Part C), you might be able to get help with dental care expenses.

On the other hand, if you have Medicaid, you might receive some dental benefits, but this depends on the state you live in. If you find that it doesn't cover enough, it is wise to enroll in stand-alone dental coverage for seniors.  

Here’s a basic breakdown of some of the senior dental insurance plans options that are available:

This can be a great choice if you want to receive some level of benefits whether you see an in-network dentist or an out-of-network dentist (you’ll save the most money by choosing providers who are in-network).

This type of plan might be more affordable, but it may come with the restriction that you can only receive benefits if you see an in-network dentist.  

With this type of plan, you’ll need to pay the dentist first and then wait for the insurer to reimburse you for the portion that’s covered. One of the main perks is you can usually choose any dentist. 

Carefully reading each policy's details will shed light on what level of coverage you can expect, as some dental insurance plans for seniors are more comprehensive than others. Also, consider the following:

Out-of-pocket costs

Plans vary from one insurer to the next, and where you’re located can have an impact on how much a plan will cost. In addition to the monthly premium, look into other out-of-pocket fees that you’d be responsible for, such as a deductible, coinsurance and copay. 

Dental plans may have limits, such as an annual maximum and lifetime maximum. These will tell you how much a plan is willing to pay for dental care before you're responsible for the rest.  

There are multiple categories of care, so be aware of the support provided for each. Also, confirm if emergency care, implants, cosmetic treatments and other major services are covered. 

There are several factors to consider when evaluating whether a dental insurance plan is good for seniors. Here are some key factors to keep in mind:

• Comprehensive coverage: Seniors may require more extensive dental care due to age-related factors, such as gum disease, tooth loss, or dental implants. A good dental insurance plan for seniors should provide comprehensive coverage that includes preventative care, basic services like fillings and extractions, and major services like root canals and dentures.
• Affordable premiums: Seniors are often living on a fixed income, so it's important to find a dental insurance plan with affordable premiums that fit within their budget. Additionally, some plans may have high deductibles or copays, which can make dental care less accessible for seniors on a tight budget.
• Access to a broad network of dentists: A good dental insurance plan for seniors should have a large network of dentists that they can choose from. This is especially important for seniors who may have mobility issues or live in rural areas where dental care may be more limited.
• No waiting periods: Some dental insurance plans have waiting periods before coverage kicks in for certain services. For seniors who require immediate dental care, this can be a significant barrier to accessing the treatment they need. A good dental insurance plan for seniors should have minimal or no waiting periods.
• Coverage for pre-existing conditions: Seniors may have pre-existing dental conditions that require ongoing treatment. A good dental insurance plan should provide coverage for pre-existing conditions to ensure that seniors can access the care they need.

Are you ready to enroll in a senior dental insurance plan that will give you what you need so you can see the dentist without worrying about how much it will cost? Contact us anytime to learn more about what we offer or get free dental insurance quotes online to see what's possible.